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Insights for personal banking, important announcements, and helpful tips.

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Don’t Be Spooked – Digital Banking

Mona Lopez - Business Operations Manager

Digital Banking with VIVA First is all treats, no tricks!

It's not so scary after all, or at least it doesn’t have to be. In the spirit of the season, and as your trusted digital bank, we want to shed some light on why digital banking is nothing to be afraid of.

In the simplest terms, digital banking brings the internet and banking together to offer consumers the flexibility to conduct banking transactions and immediate access to manage and monitor their bank accounts from a computers, tablet, or smart phone. With digital banking, you can open an account, transfer funds, deposit checks, make payments, and enjoy many other banking services without ever setting foot in a brick-and-mortar building.

78% of Americans prefer banking via a mobile app or website to banking in person. Here are three advantages and reasons why:

1. Convenience

Whatever we want, we want now. This is no secret when it comes to the way our world operates. Amazon Prime allows customers to order with two-day shipping. Grocery stores do online ordering and pick-up. There are even services to do your shopping for you.

Digital banking plays into this same convenience for users. According to Forbes, one of the main benefits is the ability to bank wherever and whenever you want. Using a mobile app or website, you can deposit checks remotely, check your balance, transfer funds and set up overdraft notifications. Forget stopping at a physical bank location for this – you have all the information at your fingertips, whether at work, home, or traveling.

2. Accessibility

Your time is valuable and the last thing you want to do after a long day is endure the hassle of driving to the bank just to wait in line, and struggle to meet the availability of their limited hours. With digital banking, time is never an issue. Access your account and finances at your disposal from wherever, when the time suits you, even in your pajamas!

3. Security

We know this is a big one and that’s why at Viva First we make it a priority from the start. To apply for an account, you have to have the following: social security number, valid state ID, validU.S. address, mobile number and email address. Your account is secure and protected with the latest encryption technology. Additionally, when banking digitally, you have the option to enable Face ID to unlock your account. Protecting your personal and financial information is our top priority.

This trio of convenience, accessibility and security is hard to beat. It’s no wonder why the world of banking is making the shift. If this brief summary of digital banking advantages still leaves you wondering, contact us today and we’ll be happy to answer your questions!