The Truth About Digital Banking

Technology has revolutionized the way we bank. With the rise of online services in the early 2000s and the explosion of mobile apps in more recent years, it’s never been easier to manage your money from home or on the go.

But how well do you know Mountain America’s digital banking? Let’s find out!

Fact or Fiction?

1. Digital banking is safe and secure.
   Fact. Mountain America invests heavily in cybersecurity measures to protect our members' data and funds. Multi-factor authentication, encryption and real-time fraud monitoring are just a few of the robust security features employed by the credit union.

2. You can check your credit score and credit report for free.
   Fact. With our free Credit Score Plus service, you can monitor your credit score, view your credit report and run simulations to see how financial choices may affect your score. It’s a great tool to help you make informed decisions and track your progress toward financial goals.

3. You can only open an account in a branch or over the phone.
   Fiction. Many accounts, such as certificates and money markets, can now be opened completely online in a matter of minutes. This convenience has made banking more accessible to a wider range of people, including those in remote areas or with limited mobility.

4. It’s difficult to keep track of account activity when everything is online.
   Fiction. Text, email and push alerts have become an indispensable tool for many members. These near-real-time notifications can alert you to large transactions, low balances or potentially fraudulent activity, allowing for quick action when necessary. You can also customize your alert settings to ensure you receive only the information you deem most important.

5. You can have nearly complete control of your cards.
   Fact. One of the standout features of digital banking is our card manager. You can easily activate new cards, change your PIN, report a lost or stolen card, temporarily freeze your cards and view the full card number, expiration date and other details. This level of control not only enhances security but also provides peace of mind if you misplace your card or notice suspicious activity.

6. You can add your credit card to a digital wallet with the touch of a button.
   Fact. With card manager, you can also add your Mountain America credit or debit card to Apple Pay or Google Pay with a single tap. This technology not only adds a layer of convenience but reduces the need to carry physical cards, minimizing the risk of loss or theft. Digital wallets also offer additional security by adding another layer of user authentication and using tokens rather than the card details for transactions.

Try digital banking today

If you aren’t already a believer, now is your chance to experience the numerous benefits of digital banking. Log in to online banking or download the app to start exploring.