Besides accessing your bank's website from your cellphone, another way to bank is to download an application called Mobile Banking Application. This is the software that I can download as a Verizon Wireless customer. According to this list (link), Alltel, AT&T, and Cellular South also offer this application.
USAA now is among the banks that let you bank through this program. According to USAA's website, I will be able to access my checking and credit card accounts.
I'll also mention as a Verizon Wireless customer, this is a free application that you download from Get It Now from your cellphone. And it doesn't appear that you have to have the latest and most expensive phone, either. Here is a list of supported phones: (list)
You'll be prompted to enter an activation code that you'll have to obtain from your bank while you're logged in to your bank's website (well, that's what I had to do as a USAA customer).
After that, you'll then have to create a six digit password. That's as far as I've gone (i.e., I haven't created that password, yet). I'm not sure yet whether I want to keep track of a six digit password.
This application has a list of the banks that let you use this application to bank from your cellphone
I finished installing this and registering it for my Citi credit card and my USAA checking and credit card accounts.
For Citi, I can view - balance - available credit - minimum amount due - due date - at least the last ten transactions
Regarding the transactions, I can view the name of the merchant, the date and time of the transaction, and the amount of the transaction.
For USAA, I can view all of the above. Plus, I can also ... - schedule a payment to my USAA credit card from my USAA checking account - transfer money (I can't tell you how that works because I haven't set up my USAA accounts online for transferring money)
Doing all of the above seems to be faster through this application than through using the telephone automated system.
Yes, it's of course true that you can do all of the above from a computer, but it's nice to be able to do these things from my cellphone while I'm out and about. Plus it's nice having an alternate way to do these things in case for some reason I'm unable to use a computer.
Message Edited by MojaveMoon on 03-17-2009 02:26 PM
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