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Mobile Banking Means Less Touching, More Convenience During COVID-19

Mobile banking means less touching, more convenience during COVID-19

There has never been a more important time to have a good mobile banking app than right now. With the COVID-19 pandemic, we’re washing our hands like never before and using hand sanitizer after touching things when we’re out of the house. Therefore, touchless and at-home solutions lead the way regarding your banking experience.

At Troy Bank & Trust, we are able to offer a variety of different technological solutions that will make your life so much easier. They’ll allow you to remain socially distanced AND keep you from having to touch so many germy surfaces! 

Mobile banking app solutions that make your life easier – and safer

You expect state-of-the-art technology solutions from the bigger banks in your town. But you may be surprised to learn that Troy Bank & Trust definitely leads the way in terms of the different mobile banking options we offer! We offer the same bells and whistles as bigger banks. However, you still get the benefit of dealing with hometown folks who know your name and live in your own community. 

Here are a couple of options for banking touchless technologies we offer that will come in very handy during this time (and anytime, for that matter):

Mobile bank app that surpasses your expectations

As you might imagine, we’ve offered a mobile app for quite some time. What you might not know is a list of all of the features we have for you to use in our mobile app! 

Our mobile app offers you the flexibility to do almost everything you would do in person at one of our branches. 

The features of our mobile app are broad and wide and will provide you with many options you may already use. However, they’re pulled together all in the same place for your convenience. 

Mobile Banking App feature #1: Zelle – your alternative to Venmo, PayPal, or Cash App

We all love the convenience of being able to transfer money from our checking account straight to a trusted person with a bank account anywhere in the country. Using Venmo, PayPal, or Cash App for this purpose, we gleefully pass money back and forth to do such things as pay our part of the rent or contribute to raising money for a baby shower gift. However, what you might not realize is that these apps are not at all secure. Moreover, these apps are actually sharing your data with other data companies, and they aren’t asking for your permission. 

The idea of “social sharing” your money is the wave of the future and isn’t going away any time soon. However, there’s a better, safer way to split the cost of dinner or pay your lawn guy.

Enter Zelle – a bank-specific tool designed to allow you to transfer and accept monies from trusted people. The difference between Zelle and those other apps is that it’s not offered from a third-party source – it’s offered by your bank. It’s also located right inside your mobile app, so you’re not having to keep up with so many tools in order to do safe banking. 

In addition, other “social sharing” cash apps charge you a fee if you opt to withdraw your money immediately. With Zelle, there’s never a charge to withdraw your balance.

Mobile App feature #2: electronic deposits

You may not feel comfortable getting out at this time to deposit a check at one of our 11 locations. Or you might be super busy working from home and homeschooling/entertaining your children at the same time! Fortunately, you can now deposit a check right from your Troy Bank & Trust app with our mobile deposit feature.  

This handy feature permits you to make a deposit 24/7/365 right from your phone – no hassle, no complicated steps, and no deposit slip! 

Mobile App feature #3: mobile banking bill pay

Sometimes the words “online bill pay” mean going directly to the company to whom you owe money. Electric, internet, cell phone, water bill – you name it. But with Troy Bank & Trust’s mobile banking bill pay feature, you have the ability to pay all your bills directly from within your app!

Set up vendors one time and you never have to enter your account number or the vendor information again. Set up recurring payments. The ability to pay your bills from one central location, rather than go to a vendor’s website or use an outside tool, gives you the ease of handling all of your banking needs directly through one app. Fewer transactions outside of your bank mobile app mean more convenience, more safety, and more peace of mind.

MobileWallet – a true touchless store checkout app

With all the concern about COVID-19, the last thing you want to do is handle your dirty credit card and punch in your pin on a machine a hundred other people used that same day before it was cleaned! We offer an app to our banking customers named MobileWallet, where you to enter your credit/debit card information into your mobile device (phone, tablet, or smartwatch) and then hold your device up to the store’s card reader to pay (at participating merchants.) 

What could be easier than making an in-app purchase without ever having to pull out your debit/credit card?

SecurLOCK™️ – keeping your debit card information safe

We also offer a free app named SecurLOCK, allowing you to control when and where your debit card is used. It is a great way to protect yourself against fraud, and get a text or audible alerts the minute your debit card is being used. You can customize how you receive your alerts and set up control features inside the app.

Mobile banking solutions you can trust

Unlike many local independent banks, we give you small-town service with big-bank technology! From keeping your debit cards safe from theft to depositing checks in your pajamas to paying the neighbor back for the groceries they bought you, Troy Bank & Trust has your mobile banking app needs handled.

Look to Troy Bank & Trust when looking for the best mobile banking app offerings

Troy Bank & Trust has been serving the Wiregrass region and Auburn, AL, with our 11 branches for well over 100 years. As a local independent bank, banking with us means you’re also helping your local economy, and we make your banking experience easier. From providing state-of-the-art mobile banking options to offering free accounts with fewer fees, we are “the only bank you’ll ever need.” For more information on opening a checking or savings account today, visit Troy Bank & Trust here, or reach out to us by phone at 334.566.4000.