Simplify for a Better Mobile Banking Experience
It’s great when mobile banking apps include more features, but it’s important to remember the basics too. Using these digital tools can save you money and time and give you more peace of mind.
Managing your finances is not always a simple task. Even though we have technological advances that help us track our money better than ever, sometimes it can be overwhelming.
So many mobile banking app creators believe “more is better” when it comes to features. But it’s important to realize that just because you use an app with a bunch of features does not mean it is better for your specific financial needs and lifestyle.
Ultimately, features are nice—the Mountain America Credit Union mobile banking app has some awesome ones—but make sure you are paying attention to the everyday functions as well. Here are six simple operations that can help you manage your money (and time!) more efficiently:
Make transfers
Whether you need to shift money from savings to checking, make a loan payment or send your teen some extra cash to cover lunch, embrace the freedom of transferring funds. Look for an app that lets you set up recurring transfers when you need them.Deposit checks
Forget the ATM! Who’s got the time? Use our mobile app to deposit a check from anywhere, instantly crediting your account—for free! Deposits are protected by layered app security to ensure your checks reach your account safely.Pay bills
Save a trip to the post office and money on postage. Did you know a First-Class Mail® stamp for a one-ounce letter is now 63 cents? Wow! Most mobile banking apps let you set up electronic payments, either recurring or one-time, right from your cell phone—anywhere, anytime. Have questions about Mountain America’s bill pay? Check out these FAQs.Set up alerts
We all know fraud is rampant. With the holidays coming up and people giving their credit and debit cards a workout, it’s even more important to stay vigilant and know what’s happening with your money. Set up real-time alerts to notify you of the activity on your accounts.
If you don’t want to be bothered with every small withdrawal and purchase, you can typically set a minimum—like anything over $100 or $500. You can also set up alerts for low balances on your account and nearing your credit card limit. These alerts will be sent to the phone or email of your choice.Quickly and easily send money to other people
Many mobile banking apps include a way to transfer money to friends and family, even if they use a different financial institution. With just a few clicks, you can send money to any trusted U.S. mobile phone number or email address in mere minutes if the receiver is enrolled. It’s usually free to use and is an easy way to send or request money, split expenses or give a gift.
When it comes to protecting your money, remember to treat all electronic transfers as cash and only send money to trusted recipients.Manage your debit and credit cards
It’s easy to understand how a lost or misplaced credit or debit card could cause anxiety. Being able to manage your cards yourself means that anxiety may not last as long. Card manager allows you to do a variety of things, including:- Freeze your card by temporarily disabling it.
- Change or reset your pin.
- Set travel notifications to prevent being locked out while you’re on vacation.
- Request a new or replacement card if yours has been lost or damaged.
- Activate a new card.
- View digital card details, including the full number, expiration date and CVV.
The Mountain America mobile banking app offers a wealth of beneficial features plus improved functionality so, whichever digital tools you use, you’ll have a positive experience.
Additionally, security is a significant factor to consider when using a mobile banking app. Mountain America’s app has advanced encryption technology, multi-factor authentication and biometric logins to help protect our members’ information and money.
Download the Mountain America mobile app here.
