How to Make the Most of Your Finances with Online & Mobile Banking

Online and mobile banking have become an increasingly important part of our lives, but are you using these digital tools to their full potential? We’ll review the differences between online and mobile banking and how you can use these services to make your financial life more convenient and more efficient.

What are the differences between online and mobile banking?

Generally, people refer to online and mobile banking as the same thing because they are quite similar. However, there are some slight differences. Here’s how each works:

Online banking is completed in an internet browser on a desktop or laptop. With online banking, you can perform any transaction that you would in a branch—and more. Common features include account maintenance, new account openings, peer-to-peer payments (like Zelle®), and more.

Mobile banking apps are for smartphones and tablets—and they’re optimized to provide better banking on the go from your mobile devices. If your financial institution has a mobile banking app, you can download the app from your device’s app store. The features in mobile banking are generally the same as those offered online; the one added benefit: You can use mobile banking to deposit checks right in the app with a photo of the endorsed check.

At FirstCapital Bank of Texas, we offer customers free online and mobile banking for personal and business banking.

The benefits of online and mobile banking

Online and mobile banking come with convenient tools to enhance how you manage your money. Here are some of the main benefits:

1. Manage money anytime, anywhere

Whether you’re too busy to get to the bank or just enjoying a lazy Saturday, online and mobile banking give you the freedom to bank where you want, when you want, with 24/7 account access. You can check balances, deposit checks, transfer funds, pay bills & people, open accounts, apply for loans, and more.

While features vary from one bank to another, most digital banking services allow you to manage and service your account entirely on your own—so you can bank whenever it’s convenient for you.

2. Protect your financial information

Many people ask: Is online and mobile banking safe? The answer is yes. These platforms use sophisticated encryption technology to secure your financial information—so you can be confident your accounts are protected.

Not only are these services safe, but they come with tools to monitor account activity. Use account alerts to get real-time notifications for certain transactions, account balances, withdrawals, and transfers. Alerts are sent by text, email, and push notifications, so you always know what’s happening with your money.

3. Send money with Zelle®

Splitting the tab with friends but don’t have cash? You can send your share with Zelle. Zelle is a fast, easy way to send and request money with friends and family, regardless of where they bank. Once Zelle is set up, you just need the person’s email address or U.S. mobile phone number to send or request payment. At FirstCapital Bank of Texas, you can use Zelle with our free online and mobile banking services—simply log in or enroll to get started.

4. Automate savings

In addition to making one-time transfers between accounts, you can also schedule recurring transfers to automate savings and reach financial goals faster. You set the transfer details one time—how much money, which accounts, and the frequency—and your bank handles the rest.

5. Go paperless with e-statements

When you enroll in e-statements, you’ll be making an eco-friendly decision that also reduces paper clutter in your home. E-statements, also called paperless statements, provide secure access to all your statements in one convenient location—and they’re usually delivered before paper statements, so you’ll receive them faster. Easily view them online or right from your phone in the app. If needed, you can download e-statements as PDF files.

6. Dedicated tools for business banking

Online and mobile banking are not just for personal finances. Many financial institutions offer businesses digital tools to manage their unique banking needs. At FirstCapital Bank of Texas, our business banking customers can customize and enhance their online and mobile banking experience with more sophisticated cash and treasury management tools, including ACH origination, Positive Pay, and Electronic Data Interchange. To enroll in business online or mobile banking, contact us.

Get started with online and mobile banking

At FirstCapital Bank of Texas, our online and mobile banking services are free, and it’s easy to get started. You can enroll in online banking from your computer or laptop, or download our app from the App Store or Google Play and tap the “Enroll” button on the home screen.

Once you’ve enrolled, you can use the same credentials to log in to online and mobile banking.

Have additional questions? We’re here to help: Contact us.