Mobile and online banking: it’s safe and convenient

Photo of a couple reviewing their account through online banking on a laptop.

Unlike Gen Xers and millennials, if you’re a baby boomer or older, you haven’t had the advantage of growing up with the internet like digital natives. You may not feel like you’re tech-savvy, and when it comes to your banking, you may still be doing some things the old fashioned way.

Goodbye teller, hello ATM

While face-to-face interactions at the branch may be necessary sometimes and even enjoyable, they’re not always convenient. Mobile and online banking tools are not only safe but also convenient, allowing you to bank when the branch is closed or when you’re out of town. Although it may be an adjustment from doing your day to day banking in person, you can start with baby steps, like using the bank machine for depositing cheques and withdrawing cash. If you’re unsure how to use the machine, just ask one of the branch staff to show you.

What is online and mobile banking?

Online banking is the ability to securely log onto your bank’s website from your computer in order to do your banking. Mobile banking lets you do all of your banking on the go from your cellphone or tablet. Just download the free Kawartha Mobile App for iPhone or Android.

What can I do with online and mobile banking?

If you’re unfamiliar with how to use online and mobile banking, you can arrange for or a one-on-one demonstration with a branch staff member who can show you how to:

  • View bank account, credit card, and investment account balances
  • Transfer money between accounts
  • Schedule and pay bills
  • Set up personal payees
  • Order cheques (if you still use them)

Once you’ve mastered the basics, you’ll be ready for some of the more advanced features like:

  • Deposit Anywhere™, which lets you deposit a cheque to your account simply by taking a picture of the front and bank of the cheque with your cellphone camera.
  • Interac® e-Transfers, which allow you to pay someone electronically without knowing or having any of their bank account information. All you need is an email address.

And if you're online and you find you need help, it’s just a click away.

Security concerns

Using online and mobile banking may raise security concerns, especially in light of recent high profile data breaches, like Equifax. However, bank-level security in Canada means your data is “encrypted”, or scrambled, so that it can’t be read or altered. This will help to protect you from identity theft and fraud by ensuring that your confidential financial information doesn’t get into the wrong hands. An enhanced login process includes passwords and correctly answering security questions and in the future, may even use biometrics like finger print recognition and retinal (eyeball) scanning.

Digital trail

Because non-cash transactions leave a digital trail, you can use online and mobile banking to review your account transactions and balances. If anything looks unusual or suspicious, please don’t hesitate to notify us.

It’s never easy to change old habits, but embracing the ease and convenience of online and mobile banking will pay off quickly.