

They will also help you figure out what you can and cannot do online or through their app. The financial institution staff will help you set up your account and answer questions. Customer service associates are available by phone, online chat, or video in some cases.

If you run into any issues, ask for help! If you need specific guidance, contact your bank or credit union directly. Check with your bank or credit union to learn more about additional protections they may offer. Your financial institution may offer additional services to help you keep your account safe, including turning off your debit card if you suspect fraud.

You can test it out by transferring a small amount, like a dollar, back and forth. Before you use any mobile payment services, check out our best practices guide to make sure your transactions are done safely.
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Download your bank or credit union’s app on your smartphone if you haven’t already.The mobile app makes it easy to deposit a check in a few steps: You might not be able to deposit all types of checks this way, so check with your bank or credit union if you have any questions. Most banks and credit unions will allow you to deposit checks using your smartphone and a mobile app.These alerts can help ensure you stay informed without having to log in to your account several times a day. Often, bank and credit union online portals offer you the ability to sign up to get these alerts via text, email, or both. Most banks and credit unions allow you to set up automatic notifications to help you manage your account and alert you when any of the following happen: a direct deposit is received, a large payment is charged, your balance falls below a certain amount, your account is in overdraft, and more.Your bank or credit union may prompt you to go paperless while you set up online banking. Consider whether you would like to continue to receive paper versions of your periodic statements and other documents.Be sure to check your bank’s or credit union’s funds availability policy before assuming that pending deposits are available for making payments or withdrawals.

Note that for pending debit card transactions, the amounts you see may not be the same as the final amount that posts to your account. Often, you can see deposits and charges that are pending, meaning they have not posted to your account yet.You usually can notify your bank or credit union account of errors through the online or mobile banking app or chat functions. You now can catch errors such as unauthorized activity earlier – without having to wait for your paper statement. Check your account balances online at any time.Most transactions can be done online or through your financial institution’s mobile app on your smartphone. What can you do with online and mobile app banking?
