The 6 benefits of mobile banking apps

These days, convenience is everything. And what’s more convenient than having your bank in your pocket? Thanks to mobile banking apps, you can manage your money on the go — from depositing checks to managing your cards and creating savings goals — easily and securely. With all these tools right in your app, you can skip the trip to the ATM or the branch and reap the benefits of mobile banking.

First things first: staying secure

Mobile banking doesn’t only make your life easier, but it makes it more secure. Instead of waiting for your statement to be delivered to your mailbox and seeing fraudulent charges on your account, you could see them in real time by just logging in to your app daily.

How are such quick and secure transactions made possible? Banks and other financial institutions use high-end encryption technology, which converts banking information into a code to help ensure safe transactions.

With an encrypted app installed on your smartphone, you can take advantage of the many benefits of mobile banking services:

1. Deposit checks from anywhere

Convenience is key — so that’s why with mobile apps you can deposit checks virtually from anywhere. If you deposit a check before 10 pm ET, your funds should be available right away.

The Citizens mobile app uses remote deposit capture technology that makes depositing checks safe and secure. The check images are stored at the bank, never on your device. Check out a more in-depth walk through.

2. Keep an eye on your money

When you have your financial institution’s mobile app, you can forget about having to make a special trip to the bank or ATM to check your account balance. You’re able to see your balance and pending and cleared transactions no matter what time of the day or night.

3. Check in with your money management and insights tool

With your mobile app, you’ll never have to worry about missing a payment or overlooking fraudulent charges in your account. You’re able to receive alerts that are within parameters that you set, review several months of account history, view check images, and check your running balance.

4. Stay in control of your money

Have you ever wanted to make a purchase but didn’t have enough money in your checking account? With your mobile banking app, you can easily transfer funds from other sources to supplement your checking balance. For example, money can be transferred from your savings, or from your line of credit, if you have a HELOC. The money will be available in your checking account immediately, so you can instantly make your purchases or pay bills.

5. Manage your cards

Whether you have a credit or debit card (or multiple cards!), you can manage them all within the app. For credit cards, you’ll be able to see your available credit, past statements, due dates, and rewards that you have. If you have a debit card, you’ll be able to activate it, view your transactions, freeze your card, and more.

6. Reach your savings goals with Citizens

With a Citizens Checking or Savings account, you can set your financial goals right within our app. And you can do more to save for the future, too. Whether you want to save money for a down payment, debt payoff, or contribute to an emergency fund, you can do all of that with the Citizens Savings Tracker™.

The Citizens Savings Tracker™ tool helps you set and monitor your goals, enroll in automatic transfers, round up your debit card transactions, and more. Here’s a quick demo of how it works.

The benefits of mobile banking can fit your busy lifestyle

You’re always on the go — and so are we. You can bank with us anytime (and anywhere!) using our secure, easy-to-use mobile app. Download the Citizens mobile app* to get started managing your money from the palm of your hand.