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Online and mobile banking is quick and convenient, but there’s more to your digital to-do list than you might think. From checking deposits to switching from swiping to a digital wallet, check out these 12 financial steps you can take from the comfort of your home on your computer or smartphone.
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Do you have a smartphone and an internet connection? Then you have a bank in your pocket and a remote control for money! Online and mobile banking through computers and handheld devices is not only helpful during the COVID-19 pandemic, it has become almost essential. Fortunately, almost all financial transactions (except cash withdrawals) can be done digitally without having to visit an account.
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While some banks have reduced traditional bank records and online-only banks have eliminated them altogether, credit unions like Desert Financial are happy to help, whether you call, click or walk in. To find an ATM for cash (if you can’t get cash from in-store purchases), many credit unions offer free ATM access in the CO-OP ATM network, as well as a program that locates the nearest machine. to your location.
Most banks and credit unions offer online and mobile banking that lets you deposit checks, pay bills, and even apply for a loan from your phone. It’s been a day of rushing to the bank before cashing a check and standing in line to apply for a loan. And more about digital banking, from budget writers to voice transfers to help you save time, be more organized and in control of your finances.
According to the American Bankers Association, 39 percent of bank customers use mobile apps as their primary way to manage their accounts, while 32 percent identify online banking as their primary choice.
Banks and credit unions have developed knowledge that allows you to do almost anything and keep your finances safe with sophisticated cyber security measures. Set up online banking is easier and connect to your bank or credit union on your mobile phone or computer. It’s no wonder that digital banking has become so popular in this era of instant access, multitasking, and rapid monetization.
You usually need to set up online banking before you can log into a financial institution’s mobile banking app, and there are things you can do online instead of using the app. For example, at Desert Financial Credit Union, bill payment and budgeting functions must be set up through our online banking system. However, some things like remote check deposit can only be done through our mobile app.
So how can you do it digitally? Check out 12 things you can do with online and mobile banking.
Think of a budget as your spending plan. A tool that ensures you have enough money for the essentials while helping you avoid or reduce unhealthy debt. The idea of creating and maintaining a budget may seem daunting, but you can take this important step toward getting your finances in order with the help of your bank or credit union’s online budgeting feature.
Simply select the bills you pay, enter your monthly income, and choose a budget category (rent, utilities, entertainment, etc.). Many financial institutions allow you to connect to other banks or credit unions so you can see all your accounts in one place. After you create a budget, link transactions to each budget item as they occur. One way to improve your finances quickly is to make a habit of updating your budget every day.
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Back in the 80s, you would put your salary, ID card, deposit slip, bank card and other documents in a plastic tube, which would be pneumatically sucked into a tunnel and delivered to the teller. It’s still an option if you’re nostalgic, but if you’re in a hurry, mobile and instant savings are the way to go.
With direct deposit, your salary, government benefits, child support or benefits will automatically appear in your account without you having to do anything. You can even split direct deposit between your checking and savings accounts to automate your savings. Mobile payments have become an easy way to pay quickly: many people just take a picture of the check on their mobile camera, saving themselves from going to a bank branch or an ATM.
You might still get a birthday check from grandma, but when it comes to bills, there’s no need for checks (or stamps or envelopes or hoping the mail isn’t late). With your bank’s online bill payment feature, you can pay and track bills without a paper trail.
Set up automatic transfers for recurring payments, make manual one-time payments, and set up notifications for late payments. You can also set up automatic credit card or loan payments to pay off your debt faster.
Mobile Banking App Features & Benefits
Forget spending a lot of time signing piles of paper in front of the cash register. Moving money between your checking and savings accounts is now as easy as clicking a button or swiping your finger.
You can also quickly and easily transfer money between accounts or other people in the same institution, or send or receive money through external accounts if you add them. You can also schedule regular transfers from your checking account to your savings account.
With online and mobile banking apps, you can easily view individual account balances at a glance. This is especially useful when you’re out and about (can you really afford that new gadget?). Some banks and credit unions, including Desert Financial, have great features on their mobile apps that instantly show your balance with a tap – no need to log in!
Don’t know exactly how much money you deposited last month? Do you have any idea how much interest you are getting on your savings? Not sure where you left that adorable white envelope with your bank statement? If you already have enough paper on your desk, you can reduce the pile of paper with online statements. Online and mobile banking gives you instant access to bills as soon as they’re sent, so you can track your spending and see what’s happening with your money at any time.
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If you need to open a new account or apply for a loan, you don’t need to go to a branch. In fact, you don’t even have to leave the house! Some banks and credit unions, including Desert Financial, have online account opening systems and allow virtual applications:
Applying for a loan online saves paper and time. Many financial institutions will approve you for a loan and notify you that your application has been approved quickly. Some banks and credit unions offer low annual percentage rates (APRs) and may waive application fees for qualified applicants.
Remember when you had to bring two forms of ID, proof of address and some cash to the bank to open an account? Well, no need for checking, savings, money market accounts – whatever you want to do, you can easily open a new online account in just a few easy steps. Fast, useful and simple. No need to hunt for paper utility bills.
Dining with friends involves all kinds of math and scribbling on a napkin to figure out who owes, and then split the bill in various ways, some of which are troublesome for the server (a different amount on half a dozen credit cards, for example). Peer-to-peer programs, sometimes called peer-to-peer programs, make it easy for anyone to pay someone, who can then pay the bill with a card or cash.
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P2P payment platforms like PayPal, Venmo, and Zelle make it easy to send or receive money. With a few swipes, you can pay for half off a pizza, buy something from a friend, help with a fundraiser, and more. To send and receive money, enter your debit card, credit card or bank account information in the P2P application.
Digital wallets are like virtual versions of old physical wallets, but without the wallet-sized school photos of your youngest family members. They are usually accessed through payment platforms like Google Pay™, Samsung Pay or Apple Pay®, and your digital wallet contains your bank and credit card information, so you can make purchases without swiping or touching your card. going to the cinema? Just hold the phone through the terminal (if there is a Wi-Fi contactless payment signal in the reader) and
Your digital wallet can include gift cards, coupons, tickets, and airline tickets. Setting up and using a digital wallet is not difficult.
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