But looks like technology offers something even better. Just as how plenty of wonderful things your mobile phone could offer you, and impressively give you a hand on managing your money with the very cool apps, mobile banking allows account holders to pay bills, transfer funds and access account information without setting foot in a bank, stand in line on the ATM machine or taking the trouble to boot up their computers.
With mobile banking, all that’s needed is a phone with wireless capabilities. Nowadays, more people buy phones that can access the Internet, thus, mobile banking is sure to grow. The service is offered by banks mostly at no additional charge to account holders, which means the only fees you’ll accrue will depend on your data and text plans with the cell phone company.
By sending a text message to your bank, you can get not only your balance, but recent account activity, upcoming payments owed and nearby ATM locations. But if you’d rather have this information sent to you automatically, without a prompting text, then you can sign up for mobile banking reminders / alerts.
These alerts take the form of text messages. If you’d like to get a comprehensive look at your bank account with the ease of pushing a button, then signing up for text reminders about your account will be your new financial planning best friend.
Different banks may offer slightly different alerts, these are the kinds of reminders most users can receive:
*daily balances
*notifications that an account has been credited
*notifications that an account has been debited
*notifications that an account’s balance is above or below a certain amount
*reminders about upcoming due dates on bank-related loans or bills that are paid online
*reminders when those bills are overdue
*reminders about maturity dates of certificates of deposit
Setting up these reminders can be done online or in person, depending on the bank
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