Making the most of online and mobile banking (Part 3)

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Read Part 1 Here
Read Part 2 Here

Parts 1 and 2 of this series covered a variety of online and mobile features. In Part 3, we will focus on some mobile features you may not be aware of.

Did you know you can apply for a loan or credit card directly from your mobile phone?

EECU has a loan application form that is formatted perfectly for a mobile phone screen. Simply click the “More” button inside the mobile app or on the home page of the mobile website, and then select the vehicle loan, personal loan, or credit card loan application link. Once your app is submitted, it will be handled promptly by a member of our team.

Did you know you can send money to friends and family using your mobile phone?

In Part 2 of this series, we discussed the ability in online banking to send money to other people using our Popmoney® service. We now have that same capability to our iPhone and Android smartphone apps. You still need to complete the initial Popmoney® enrollment online, but once you are enrolled you can quickly send money to others by clicking the “Pay People” link in the mobile apps. Popmoney® lets you send money to people using only their email address or phone number, which you can manually or select from your phone’s contact list.

Did you know you can deposit checks from our iPhone and Android mobile banking apps?

If you are already using mobile banking, you are probably aware of this service, but some of you may be hesitant to try it. When you bring a check to a teller, it is turned into digital image before being processed. With mobile check deposit, you are simply doing that step from your phone. And the funds availability policies are the same for mobile check deposits as they are for checks deposited at the branch, so you have access to your funds just as quickly.

Did you know you can get low balance text alerts that allow you to reply with a funds transfer request?

Inside online banking, go to the “Additional Services” menu and select E-Alerts → Text Banking. Once you have completed the setup process for text message banking, you can designate a primary account (your checking account) and a transfer source account (most likely a savings account or line of credit). You then select “Text me when my primary account balance falls below” and enter an amount. When you get a low balance alert, you can reply with the word “tran” and a dollar amount to transfer funds from the source account you designated to the primary text banking account. (ex: Replying to the text message with tran 400 would transfer $400.) It is a convenient way to be notified of low balances and avoid overdraft fees.

Tim Grove, vice president of systems development, has been with EECU Credit Union’s information technology team since 1999, and is responsible for the programming and development of EECU’s website as well as all online and mobile services. Tim holds an undergrad degree in marketing from Oklahoma Christian University as well as an MBA from the University of Texas at Arlington, and has served marketing and IT teams at companies including Canon, EDS and Halliburton.

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