Mobile Banking Safety a Top Priority

Using a cell phone to check your bank balances, transfer money and pay a bill is easy and convenient – but is it secure? With Bell State Bank & Trust, you don’t need to worry – it is! “Our mobile banking features state-of-the-art security technology. Our customers’ financial security is extremely important for us as a company,” says Gary Inman, information systems manager.

Mobile App

The Bell Bank app, which is downloaded and installed on smartphones, links you directly with our online banking system. Apps are popular because they’re quick and simpler to navigate on a small screen. The Bell Bank app is highly secure, because it’s designed to work with our multi-layered security systems.

Mobile Browser

Access through a mobile browser uses an Internet browser to access Bell State Bank & Trust’s personal online banking site, just like you would do from your home or office computer. We have created special Web pages that are formatted for mobile screens.

Mobile browsers are susceptible to the same kind of security risks as a home or office computer. Of course, mobile Web users are as susceptible as anyone else to the phishing scams and spoofed websites that try to trick users into disclosing passwords and other personal data. Visit on your mobile device and use our mobile-friendly interface to access online banking and view your accounts more easily.

The best way to protect yourself is to exercise the same level of safe computing that you do at home or work. Use your browser bar to enter Better yet, save the Web link as a bookmark to avoid the possibility of mistyping the URL.

Mobile Alerts

Mobile Alerts work with just about any cell phone sold in recent years. It basically involves you and Bell State Bank & Trust exchanging text messages. Once you have registered your phone, you can sign up for an alert to be sent when your checking balance drops to a specific level, or when a withdrawal is made. You can set up and modify mobile alerts in Personal Online Banking. Simply go to the Mobile & Alerts tab.

Mobile alerts are safe and secure. Bell State Bank & Trust is sending you information regarding your accounts using account nicknames instead of account numbers.

Mobile Text Banking

Mobile text banking allows you to request information from your bank accounts by sending a text message to check your balance, and get a quick response. By sending various codes, such as BAL, you can learn what checks have cleared recently or move funds from a checking to savings account. Bell State Bank & Trust will only accept instructions only from your phone and sends your account information using account nicknames instead of account numbers. (Normal charges and text messaging fees from your mobile carrier apply.)

Be aware that some scammers send SMS messages requesting your personal identification number (PIN),account number; or other information. Bell State Bank & Trust will never ask for personal information via text message.

Know That You Are Protected

No matter what kind of mobile banking method you use, reduce fraud and protect your money by following a few common-sense precautions:

  • Set the phone to require a password to power on the handset or awake it from sleep mode.
  • Avoid sharing your password, account number, PIN, answers to secret questions or other such information. Don’t save this information anywhere on your phone.
  • If you lose your phone, immediately contact your phone company, and they can suspend your service. Next, contact our customer service department at 800-450-8949 to have us suspend your mobile services.

“All information transmitted between servers and the mobile device is encrypted in the same manner as regular online banking,” says Inman. “The likelihood of fraud is no greater with mobile than with using your desktop browser.”

If you ever have a question about mobile banking or mobile banking security, call our customer service department from 7 a.m. to 11 p.m. 7 days a week at 701-298-1550.





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