You may feel like you don’t know how to get started managing your finances digitally, but once you start, you won’t be able to stop! The proof is in the numbers: Nearly 80% of adults prefer to bank via a mobile app or website. And this number is growing rapidly.
73% of smartphone users used an app to manage their finances in the past month.
69% of Americans primarily use some form of online banking to manage their day-to-day finances
Why is digital banking so popular? First and foremost, it offers loads of convenience. Can’t get down to the bank or an ATM to deposit a check? No problem—use your phone. Need to pay your bill right now? Your phone, computer, or tablet can handle that, too.
While the features available through mobile banking can vary from bank to bank, most banks let you tackle the most important stuff through online or mobile banking, including:
-Setting up real-time alerts
-Depositing checks
-Managing your loans and credit cards
-Checking your balances
Our mobile and online banking app can do everything you need to make your life easier.
Digital banking apps put control of your money at your fingertips every moment of every day. But you probably don’t want to constantly open your bank app to make sure your direct deposit posted, check your balances, and ensure that your account is secure. Real-time alerts let you create customized real-time activity alerts that you receive directly to your phone. You can set up low balance alerts, transaction alerts, and more. With Maincity Trust Bank app you can even choose between email, text message, or app notifications.
Automate your monthly bills the easy way. Some banking apps and online banking platforms (ours is one of them) have the ability to handle your monthly bills. Bill Pay lets you pay bills in seconds and makes it easy to schedule recurring payments. Save money by never missing a payment and save time by having confidence that your bills are taken care of.
Need to pay someone quickly? Bill Pay lets you skip third party payments systems and pay directly from your checking account safely and easily. Did you know:
84% of online U.S. consumers used P2P to transfer funds to someone else during 2022
41% of U.S. consumers say they make no purchases using cash in a typical week
53% of Americans deposited at least one check using mobile deposit in 2022, and for good reason. Mobile deposit lets you skip the trip to a bank location and deposit your checks from wherever you are using a banking app. Mobile deposit is simple, secure, and most of all – fast. When you use our app to deposit your check, up to $225 will be available instantly.
You have financial goals and your banking app can help you reach them. With our Insights tool you can easily integrate all your financial accounts in one place. From credit cards to loans, 401ks, and even other institutions' accounts, Insights makes it easy to see the big picture. You can manage your budget by analyzing spending trends and categories and set financial goals to help you save for a big trip, an emergency, or just your future.
Do you have a credit card or a mortgage but not a checking or saving account with us? You can still use online banking and our app to manage your payments and view your balances. But, it would be a lot more fun if you added a checking or saving account to take advantage of the rest of the awesome tools our digital banking has to offer.
Consider these steps for keeping safe while doing your banking online.
Change your passwords regularly—as frequently as every 30 to 90 days
Opt-in to multi-factor authentication, if available
Don’t do your online banking while on public computers or public Wi-Fi networks
Review your account statements to identify any unauthorized transactions
If you aren’t a client with us just yet, we recommend starting with a checking account. To learn more and apply, head over to our checking page.
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