It’s 2024, and smartphones and tablets are commonplace among most Americans. That means that everyday citizens have digital access to an entire online world with a device that can fit into one’s pocket. In turn, online and mobile banking has become the norm for anyone who wants to manage their finances without having to visit a credit union branch. According to the Pew Research Center, around 63 million Americans manage all or some of their banking online, whether it’s through a website or a mobile app.
Are you still debating whether to take the plunge into the world of online and mobile banking? Here are a few great reasons to give it a try:
The convenience factor.
This reason alone is why so many credit union members opt in for online banking – easy and secure access to your accounts from the comfort of your own home or office. Polam members can use our app to transfer funds between accounts, set up mobile bill pay, send and receive money via Zelle®, and use your device’s camera to remotely deposit checks. All you need is an internet connection to manage your finances.
Account information in real time.
Whenever you make a purchase, you can see the transaction in real time when you log into your account. This feature lets you keep a close eye on your funds, as well as monitor potential fraudulent transactions. If you see a charge that you didn’t authorize, contact a Polam team member and we’ll help you dispute it.
Unique features exclusively for members.
Polam’s mobile banking app is full of useful tools, and members can also check out a few others. CardValet is a banking app that lets you link your Polam VISA debit or credit card, and you can use the app to turn your card “on” or “off,” set geographical limits where your card can be used, set parental controls, and establish transaction account limits. Zelle® is a safe and secure app that lets you send and receive money with trusted friends and family members. Additionally, members can opt in to E-statements, which deliver your statements to your email’s inbox.
It’s eco-friendly.
When you can access your accounts all from one place, it reduces your carbon footprint. E-statements enable our members to reduce paper clutter in their home’s mailbox, and our variety of online and mobile banking features mean you don’t have to drive to a physical branch to manage your accounts.