Unlock the Power of Online and Mobile Banking
Imagine carrying your financial institution in your pocket. In today's digital era, this isn’t far from the truth.
Mobile and online banking have simplified and redefined how we manage our finances. People are increasingly using digital banking services to securely monitor account activity, pay bills, and make daily purchases, whenever and wherever they please.
Learn how you can embrace the world of mobile and online banking – a realm that can help you develop healthy financial habits and make managing your money more convenient and efficient.
Explore digital banking at Western State Bank. Your banking, your way.
Why Use Online and Mobile Banking?
Anytime you interact with your financial account via the internet on any device, you’re experiencing online banking. When you access financial accounts via an app on a portable device like a phone or tablet, you’re using mobile banking. Both experiences offer several benefits:
- Convenience on command. Accessing your personal financial information online is simple and quick, even when you’re on the go. Pay your bills, transfer money, or monitor account activity from anywhere with an internet connection – even on Sundays and holidays. Your finances are always just a click away.
- Straightforward security. With online and mobile banking, your information is typically protected by encryption and a password. Multifactor authentication may also be used, and after a few minutes of inactivity, you’re typically logged out of your financial account.
- Real-time finances. Online and mobile banking give you instant access to your accounts, so you can keep tabs on balances and credit limits (among other things). This will help you steer clear of overdraft fees and stay vigilant about spending. Many online and mobile banking experiences also offer personalized notifications and alerts to keep you on top of your finances.
- Added perks. Many financial institutions offer a slew of features like mobile check deposit via mobile banking and live chat options via mobile and online banking for a seamless experience. These benefits vary by institution, so make sure to explore what yours offers.
What Is a Mobile Wallet?
Depending on your online or mobile device, you may have access to a mobile wallet, which stores your financial account or card information via an app. The mobile wallet enables you to enjoy swift transactions with participating merchants, with information encrypted for added security. Key features include:
- Direct connection. Connect your mobile wallet directly to a financial account or card.
- Omni-purpose. Use your mobile wallet for both in-person and online purchases.
- Access anywhere. Manage your mobile wallet from multiple devices, like a phone, tablet, and computer.
- More than money. Add event tickets, coupons, and loyalty program cards to most mobile wallets.
To use your mobile wallet for an in-person purchase, hold your device near a compatible terminal at checkout. You may need to authenticate the payment by entering your PIN or using your device’s fingerprint reader (if it has one).
Getting Started: A Step-By-Step Guide
Ready to enjoy the benefits of online and mobile banking? At Western State Bank, we offer digital banking services through our website and mobile banking application.
Get started with these steps:
- Speak to your Western State Bank representative. Ask a team member about our online and mobile banking options. They will direct you to our webpage and/or mobile banking app.
- Follow their instructions. Download Western State Bank's mobile banking app or register for online banking on our secure website. You can also consider other reputable mobile payment apps to help you transfer, track, spend, and manage your money.
- Make a secure password. Protect your account with a password that uses a mix of numbers, letters, and symbols and is free of guessable or searchable information, like your name or birthday. Keep this password to yourself.
- Set up your mobile wallet. If your device has a mobile wallet option, set it up by linking your financial accounts or cards to enable online and in-store purchases.