Top 10 Time-Saving Digital Banking Tools

In today’s busy world, time is the ultimate commodity. Many banks now offer a range of features and services that save time and make it easier to do your banking when and where you want—and typically they are included with your account. Plus, these features often enhance security to protect your identity and finances.

We’ve put together a roundup of digital banking tools you should consider adding to your money management routine. Check with your bank to see what they offer.

Debit Card Controls – Manage your debit card in real-time—lock or unlock it, set spending limits and manage where and how it’s used, all from your phone. With real-time alerts and powerful security features, you’ll stay protected and confident with every purchase. 

Account and Security Alerts – Account alerts can help you monitor activity in real time, from anywhere. You can customize notifications to see recent transactions, get low balance alerts or track account activity so you can quickly spot anything unexpected.

Mobile Check Deposit – This quick, secure way to deposit checks using your mobile device saves you a trip to the bank. At Banner Bank, we call it Snapshot Deposit™ because it’s as easy as snapping a photo of your check and selecting the account you want to deposit funds into. You get back the time you’d otherwise spend in the car. To learn more, check out our blog Top Reasons to Start Using Mobile Check Deposit Now.

Digital Wallets – In addition to letting you pay for purchases on the fly via your smartphone or smartwatch, digital wallets such as Apple Pay, Google Pay or Samsung Pay offer safety and security. These electronic payment tools are considered safer than using a physical credit or debit card because each transaction has a unique, one-time encryption code. That ensures your credit or debit card is never on file at the merchant. Read our blog Digital Wallet 101 for more on this popular way to pay.

Live Chat – Talk with a banker in real time rather than calling customer service or visiting a branch. When you use the chat feature, you can ask questions, inquire about products and services and even resolve a simple issue efficiently—and it may be available 24/7, depending on your bank.

Online Bill Pay – This popular, secure online banking feature streamlines paying bills. You can use it from your computer, tablet or smartphone. It saves you from using postage and envelopes (and the trip to the mailbox) and helps ensure on-time payments.

Electronic Statements – Electronic statements are delivered directly to you via a secure online portal, such as the bank’s online and mobile banking, so there’s no snail mail to be lost or stolen. You can review transactions anytime without having paper to file, and you get more timely access to your statement without having to wait for the mail. Want more reasons to make the switch? Read our blog 7 Great Reasons to Sign Up for Paperless Bank Statements.

ATMs Designed for Modern Banking – Today’s ATMs do more than ever before. You can withdraw cash, deposit checks or currency and often include options for basic account management on your schedule.  

Fingerprint ID and Face ID Login – Logging in is faster and easier with fingerprint and facial recognition. Instead of manually entering your username and password each time, you can use this feature to securely access your account. In fact, fingerprint and face ID offer more built-in security compared to traditional passwords and passcodes.

Peer-to-Peer Payment Apps – Peer-to-peer payment apps like Zelle®, Venmo and Cash App make it easy to send and receive money directly with friends, family or small businesses. Read our blog Protect Your Finances—What to Know When Using P2P Apps for tips on protecting yourself from fraud and scams associated with these popular apps.

Check with your bank to see if they offer these features and take advantage of them if they are included with your account. To learn more about our digital tools and the secure, time-saving convenience they provide, use the links embedded above, explore our Online & Mobile Banking features, contact your local branch or call us at 800-272-9933.