Making the most of your digital banking options

We’ve given expert advice about banking in terms of two different types — digital and physical. And since we’ve also covered how best to navigate your visit to a bank branch, let’s now dive into the digital side of banking a bit deeper. With so much business being done on-the-go from our smartphones, knowing how to use digital banking options to manage your account(s) is key to getting the most out of your experience.

What are mobile banking apps?

Mobile banking apps are applications that allow users to perform various banking tasks — like depositing a check, transferring balances between accounts, and turning your debit card on or off — all through either a smartphone or tablet. These apps provide a convenient way to manage your finances on the go, without needing to visit a physical bank branch. Popular mobile banking apps include our own app, UBTgo, which offers a range of features to make banking easier and more accessible (and it has a 4.9-star app rating!).

In addition to mobile apps, most banks offer online banking from a web browser for those on a desktop computer or laptop too.

How do mobile banking apps work?

Mobile banking apps work by connecting to your bank account through a secure internet connection. Once you log in using your unique login credentials, you can perform various transactions. 

These apps use advanced technology, including encryption and secure connections, to ensure that your financial information is protected. At UBT, there’s an entire team of security experts dedicated to ensuring that your online account information remains safe. You too can help keep your account secure, by using strong passwords, enabling two-factor authentication, and avoiding the use of public Wi-Fi for banking transactions.

What features do mobile banking apps offer?

Mobile banking apps come with a variety of features designed to make managing your finances simple and efficient. Common features include:

• Checking account balances: Easily view your account balances in real time.
• Fund transfers: Transfer money between your accounts or to other people.
• BillPay: Pay your bills directly from the app.
• Mobile check deposit: Deposit checks by taking a photo with your smartphone.
• Transaction history: View your transaction history and monitor your spending.
• Manage your debit card: Turn your debit card on or off in the event it’s lost or stolen.
• Paperless statements: Make an environmental impact and have access to your statements at all times.

UBTgo, for example, offers these features and more, making it a comprehensive tool for managing your finances.

Can multiple accounts be managed by an app?

Yes, you can manage multiple accounts with a mobile banking app. Whether you have checking, savings, credit card accounts, or loans, you can easily switch between them within apps like UBTgo. This makes it convenient to monitor all your finances in one place.

Bringing it all together

At UBT, any time you have an online banking question, there’s someone willing to give you the information or help you need. We want to empower our customers to make the most of their banking experience, and helping you navigate UBTgo is a big part of that experience.