Mobile Banking Keeps Us Safe – COVID-19

Mobile banking has been available for many years and continues to evolve, offering our members a convenient way to bank. With the 1st United mobile app and your smartphone, you can make deposits, transfer money, and pay your loans from anywhere. Plus, with your phone’s mobile wallet such as Apple Pay or Google Pay, you can pay for things without making contact with or passing your card to another person.

With the need for social distancing, members are seeing how beneficial mobile banking can be more than ever. In the past month alone, we’ve seen an increase of 180 percent in the number of members making mobile deposits for the first time. Here are three ways you can utilize mobile banking, particularly during the COVID-19 crisis.

Deposit checks

A common reason members visit the branch or an ATM is to deposit a check. With mobile deposit, you can deposit checks without needing to visit a branch or touch an ATM – both essential for COVID-19 social distancing. Simply install the 1st United app, log in (or click Enroll now if it’s your first time), and select Deposit checks. From here, you can quickly and easily snap a picture of the check and deposit it into your account. The mobile deposit app stores an image of the check for future reference, too.

Make loan payments

Many members visit the branch to make credit card, loan, or mortgage payments. With the 1st United app and your smartphone, you can make your loan payment from home. There are two ways to accomplish this:

  • OPTION 1: Log in to your account and click Transfers to pay using funds from your checking account, savings account, or an account from another financial institution.
  • OPTION 2: If you prefer to have your loan payment paid automatically each month, make that transfer a recurring transfer. Setup is easy, and you'll never miss a payment.

Pay without contact

If you are concerned about passing your credit card during checkout, you may want to consider using mobile wallet. Also known as “tap” payments, mobile wallet allows you to hover your smartphone over a contactless-enabled payment terminal rather than needing to swipe or insert your card. Newer phones already have Samsung Pay, Google Pay, or Apple Pay installed – simply add your 1st United debit or credit card information to the mobile wallet, and follow the steps on the payment terminal to check out. Not only do you avoid passing your card with mobile wallet, it’s a safer way to pay because the transaction tokenizes and masks your payment information.

If you are new to using mobile banking, no worries. Our member service representatives are available to walk you through the steps via the phone.

Throughout the COVID-19 pandemic, mobile banking is an excellent alternative to banking in person. We are confident that once you start using mobile banking, you’ll find it to be simple. We remain available to assist you now and in the future.
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