Tips for Using Mobile Banking Apps

Mobile banking has become one of the most effective means of managing one's finances since it is easier to check balances, transfer money or monitor transactions with a few touches of the screen. As a credit union serving McCone County and surrounding areas, we know that having quick and easy access to your accounts is important and we’re here to help you get the most out of mobile banking. If you are a novice to mobile banking, or you want to get more out of it, then take note of the following.


Security should come first with good passwords and authentication.


Mobile banking is one of the most sensitive activities that can be performed on a mobile device. To protect your accounts and your information, select a unique password for the app, and make sure it is not “1234” or any simple word – use numbers, letters, and signs.

Further, most of the mobile banking apps including the one we are developing for McCone County Federal Credit Union provide two factor authentication (2FA). This feature ensures that before you can access the account, the program sends a code through your phone or email, making sure that only you can access the accounts.


With Alerts, you can Always Monitor the Account Activity


Perhaps the most valuable element of mobile banking apps is the account alerting tool. Reminders can be of low balance, large transactions or even bills that are due for payment on the account. Such real-time notifications can assist you in controlling your expenses and, therefore, you will not be charged for overdrafts or missed payments.

McCone County Federal Credit Union also offers the facility to set up alerts according to the user’s needs and desires, so the customer is always in charge of their money.


Take Advantage of Mobile Deposit for Convenience


Mobile check deposit is one of the most convenient features offered by many banking apps. Instead of visiting a branch, you can simply take a photo of your check within the app to deposit funds directly into your account. This feature is especially helpful for members with busy schedules or those who don’t live near a branch.

To ensure a successful mobile deposit, make sure the check is signed, the photos are clear, and all corners of the check are visible in the image. After making a deposit, store the physical check in a safe place until it has fully cleared.


Utilize Bill Pay to Simplify Payments


Mobile banking apps often include a bill pay feature, allowing you to pay bills directly from your account without writing checks or visiting multiple websites. With bill pay, you can schedule payments for regular expenses like utilities, credit cards, and rent, ensuring you never miss a due date.

Setting up automatic payments through your app not only saves time but also gives you peace of mind, knowing that bills will be paid on schedule. Just be sure to check your account balance regularly to ensure funds are available for scheduled payments.


Review Transactions Regularly for Accuracy


Keeping an eye on your account activity is a critical aspect of managing your finances and ensuring security. By reviewing your transactions regularly, you can quickly spot any unauthorized charges or suspicious activity. If you notice any discrepancies, contact McCone County Federal Credit Union immediately so we can investigate and take appropriate action.

Mobile banking apps make it easy to check your transaction history on the go, providing a quick overview of your spending and account activity at any time.


Enable Touch ID or Face ID for Quick and Secure Access


For added convenience and security, many mobile banking apps allow users to enable Touch ID or Face ID, depending on their device. These biometric login methods provide a faster, more secure way to access your account, eliminating the need to type in a password each time you log in.

McCone County Federal Credit Union’s app supports biometric login options, making it easy to access your accounts quickly and securely. If your device supports this feature, consider enabling it for a seamless experience.


Keep Your App and Device Updated


Keeping your mobile banking app and device software up-to-date is crucial for security and performance. App updates often include security patches and new features that enhance your banking experience. Additionally, updating your smartphone’s operating system helps protect your data from potential vulnerabilities.

To ensure you’re always using the latest version of the McCone County Federal Credit Union mobile app, turn on automatic app updates in your device settings or manually check for updates regularly.


Log Out After Each Session


Despite the fact that all the mobile banking apps are developed with security features, it is always safe to log out after each session especially if you are using a shared or public gadget. This is important so that nobody else can gain access to your account should you lose your device or leave it with someone.

While most apps also have an auto-logout feature, which logs you out after a certain amount of time of inactivity, it is always better to log out yourself for added security of your accounts.


To get help with features, one should contact Support.


If you are not sure how to utilize some of the options available in the app, you can always contact the team at customer support. At McCone County Federal Credit Union, it is our goal to ensure that members get the best out of our mobile banking platforms. Our customer support is always ready to help if you have any questions regarding mobile deposit, alerts or budgeting tools.


Maximize the Benefits of Mobile Banking with McCone County Federal Credit Union


Mobile banking has turned out to be one of the most efficient ways of handling our financial needs. All these tips should help you get the most out of mobile banking while keeping your accounts safe. Here at McCone County Federal Credit Union, we are happy to provide a simple to use mobile application that allows you to take charge of your money wherever, whenever.

If you have not done so yet, it is high time you downloaded the McCone County Federal Credit Union mobile app and enjoy your banking on the move. Our team is ready to assist you and your organization fully leverage all the benefits that mobile banking has to offer.