Do you use your bank’s smartphone or cell phone app? Why or why not?


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Today dear readers, we’ve got a quick question to ask you: Do you use your bank’s smartphone or cell phone app? If you do, can you tell us why, and if you don’t, why not? We’d love to hear about it, so be sure to let us know by leaving a comment in the comments section below. This post is part of an experiment we’re doing with a few blogs and the Six Apart community, so we’d really appreciate your participation. Thanks!





38 Responses to Do you use your bank’s smartphone or cell phone app? Why or why not?

  1. I do. I try not to do it often. If I need to make a transfer to cover an expense while at the store I will. Other then that I try to wait till I can get to a computer or a bank.

  2. I love being able to text my bank and find out my account balance. It's actually helped me a lot with keeping within my spending limits, and it tells me when I last paid a credit card, so I know whether I'm late or not. I am in LOVE with texting my bank!

  3. I don't. Even though I know that logically there's no major security difference between using a well-made phone app and using my PC on a wireless network, I still feel much safer doing banking on a computer than a phone.

  4. My bank is Chase and yes, I do use their iPhone app. It's mainly to check my balance, but I am signed up to use their new "take a picture of the check to deposit" program. Haven't tried it yet.

    • I actually tried this option, as I bank with Chase also…works like a charm. The photo of the check must be clear (front & back) and the app will alert you if its not. Once it goes thru and accepted, that's it…money takes the normal time frame for a check to clear, which is a couple days or so and its deposited into your account. I've only used this feature once and I still held onto the live check just in case modern technology failed. lol

  5. I don't. Even though I no longer live in Seattle, my BofA account does, and they are on a different system, which does not work with the mobile BofA apps. It has been over 5 years since BofA bought whatever bank system in WA and OR, but half the account management stuff hasn't been moved over yet.

    • It's Washington and Idaho where they still don't support their mobile web site or the iPhone and Android apps. Even though BofA runs commercials on Seattle TV channels talking about mobile banking, and displays ads on their Seattle area ATMs promoting it as well, they still don't have it available and no one has any clue when or if they will. It's been just an annoyance in the past, but I'm approaching the point where this is something worth switching banks for,

  6. I do. In fact, I got an account with a specific bank just so I could use their mobile banking app to do deposits using my iPhone. Works great! MUCH more convenient than having to drive to the bank, and much quicker than mailing a deposit.

  7. I do. In fact, I got an account with a specific bank just so I could use their mobile banking app to do deposits using my iPhone. Works great! MUCH more convenient than having to drive to the bank, and much quicker than mailing a deposit.

  8. I use it all the time to check my accounts and transfer money when needed. The best part is depositing checks by taking a picture of it. Way cool.

  9. I only ever want to every 6 weeks or so and by then I can't remember each of the layers of authentication I needed. It's just not worth keeping track of yet another style of authentication.

  10. I only ever want to every 6 weeks or so and by then I can’t remember each of the layers of authentication I needed. It’s just not worth keeping track of yet another style of authentication.

  11. My bank (Wachovia) doesn't have an app for Android (Just the mobile version of the Website), but I would if they did.

  12. I have downloaded it but am not using it yet. Partially because I'm not confident of the security, and partially because I haven't had time to explore.

  13. I have an iPhone 4, and I do not use the Wells Fargo app UNLESS I am trying to find an atm. If I'm not on wifi, it takes way too long to load my balance and enter my user name and p/w and all that. I prefer to text to get my balance when I need to.

  14. The USAA app for adroid is great. I use it to check balances and deposit checks using the phone's camera. Quick and easy. No reason to ever go to a branch again.

  15. I do. It is more secure than http transfer (despite what some commenters on this thread seem to think) and it has one feature that I love: mobile deposits. I can take a picture of a check with my phone's camera, and it posts instantly to my checking account. Then, destroy the check and use the money as needed.

  16. I have an Android operating system and I use my banks app to transfer funds for that must-have while at the electronics store. And to check my account balance. Before the app, I just called the bank's hotline to check my balance. I must say having the ability to transfer funds and see multiple account balances does make it rather convenient.

  17. I don't have a smartphone, so no apps for me. I do, however, get text updates from my bank, and if I had a smartphone and they could prove to me it was secure, I would use it.

  18. I don't know if my bank has a phone app. I won't use online banking at all. I'm worried I'll click the wrong button! I prefer to walk to the bank, and talk to a person…

  19. I use it to check my account balances. I've never paid a bill or anything using the app. Sometimes if I'm broke I'll use it to combine sums from different accounts on the go so that I can withdraw the minimum from the ATM. Sad, I know! C'est la vie.

  20. I don't, because the app never works (I've never gotten it to connect properly) and their mobile site is much much better.

  21. I don't, because the app never works (I've never gotten it to connect properly) and their mobile site is much much better.

  22. I don’t, because the app never works (I’ve never gotten it to connect properly) and their mobile site is much much better.

  23. I do use my iPhone to connect with my bank and was overjoyed when they released a App to check balances and all that good stuff.
    For all my bill payments,I still use my desktop though.

  24. if there is anything I wanted on my iphone, its netflix and bofa remote deposit. when chase could do it with their age-old software, why cant bofa do it and pls no restrictions of 1000. Without remote deposit, app and browser are one and the same.