Gone are the days of having to visit a physical branch location to complete all of your banking transactions. 随着技术的不断进步, so does the user experience for consumers looking to handle their banking via the internet. 根据美联储的说法, online banking is used by 71% of consumers and mobile banking by 38%. If you’ve used digital banking tools for years, 或者即使你刚开始使用它们, you may find our expert tips useful to enhancing your experience.

Common Questions about Digital Banking

安全吗?? Most online and mobile banking interfaces require two-factor authentication, which adds an extra layer of security. 元素 is additionally always validating transactions and carefully monitoring suspicious activity within their online and mobile banking apps.

去分行不是更安全吗? Carrying cash and checks and completing transactions at branches carry their own risks. Branches are a great place to go with financial questions, but many of your simple transactions can be completed online with just as much, 或更多的, 安全.

Why should I take advantage of digital banking? With 24/7 access and multiple layers of security, there aren’t many reasons you wouldn’t want to. Most digital banking websites and apps are built with a user-friendly interface that allows you to complete tasks quickly, schedule payments and see all of your financial data in one place.

+, many systems — including the one 元素 offers — allow you to categorize your spending and create a digital budget customized for your situation. While many institutions offer online and mobile banking solutions, we will dive into some of the features that are specific to our system.

交易

账单支付 | Your one-stop-shop to pay all of your bills.

• Schedule multiple payments at one time
• Pay any person or company in the United States, even if they aren't registered in our 账单支付
• 接收付款提醒

账户转账 把钱花在需要的地方.

• Transfer to or from your 元素 or outside banking accounts
• 立即转帐
• No fees associated with these transfers

支票存款 | Cash your checks from wherever you are.

• Use the camera on your mobile device to capture check images
• See up to $2,000 of deposited cash in your account immediately
• Review the status of your checks as either pending or processed

叫人支付 轻松支付给朋友或家人.

• Send money to anyone with a smartphone or email address
• Money is typically available within minutes
• Neither the sender nor receiver are charged any fees from 元素 for the service

卡片 & 支出

信用卡管理 | Keep tabs on your credit card anytime, anywhere.

• Make payments towards your credit card bill in both Online and Mobile Banking
• Review your payment and spending history
• Process your rewards points on select credit cards from 元素

卡控制 | You’ll have peace of mind if your card goes missing.

• 卡片放错地方了? Easily turn your card off and back on when you find it
• Receive customizable alerts and get notified of any debit card activity
• 了解更多关于卡片控制

移动支付 | Make payments without your physical wallet.

• Use Apple Pay, Samsung Pay, Google Pay, or PayPal with your 元素 card wherever they are accepted
• 增强的安全特性
• Useful if you don’t have your card with you
• 了解更多关于移动支付的信息

卡交换 | Easy access to change your subscription payments.

• A single spot to update your 元素 debit or credit card information for over 50 of your favorite online shopping and streaming services including Netflix, 亚马逊, 超级, 沃尔玛, Hulu, 和更多的.
• 了解更多关于卡片交换

额外的好处

分支 & 自动取款机位置 找到快速获取资金的途径.

• Search for 5,000+ Shared Branch locations nationwide
• 在全球找到78,000多台自动取款机
• 寻找附近的分行或自动取款机

信用评分 | Monitor your credit score in one easy location.

• Have free online access to your FICO Score
• See the key factors that affect your FICO Score
• Read educational content on FICO Scores and financial wellness 和更多的
• Learn more about monitoring your FICO Score

元素 is here to enhance your banking experience, including with best-in-class online and mobile banking services. Our eCommerce team is dedicated to continually updating our digital platforms, so watch our website for news of updates that will make banking better for you. 请随时与我们联系, as our experts are here to support you and provide you with assistance with any of your digital banking questions.

This information is provided for informational purposes only. It does not constitute legal, tax or financial advice. Consult with your tax, legal or financial adviser before taking any action.