mercer savings bank online and mobile banking

How to Get the Most Out of Online and Mobile Banking

Online banking services have come a long way in the past few years, and they’ll only continue to expand. Through online and mobile banking, customers now have convenient and safe ways to bank on their own time.

To get the most out of those services, here’s a basic guide on what you can do online or on your phone—as well as what services Mercer Savings Bank offers and how to use them.

Online Banking: The Basics

With online banking, you have the freedom to monitor your accounts, pay your bills, and keep an eye out for fraud, all within the comfort of your own home and on your own schedule. Even better, there aren’t any fees for online services.

There are many to choose from, but the main benefit of online banking is the convenience it offers. For example, if you need to find out your checking account balance at 10 p.m. on a Sunday, all you need to do is go online. With online banking, you aren’t limited by bank hours—services are available 24/7.

“The number of things you can do online just keeps growing,” Emily Casebolt, Mercer Savings Bank Assistant Vice President says. “It enables you to do things when you want to do them. You’re not bound by our hours.”

Additionally, online banking makes it more convenient to monitor your account. Not only is this beneficial when it comes to balancing your checkbook, but it also helps you keep an eye out for fraudulent transactions.

  • Check your account often. There’s no strict guideline for how often you should check, but it’s a good idea to check it once or twice a week, or even daily. That way you can make sure your balance is right where it should be.
  • Use it wherever, whenever. If you’re traveling and want to check your balance or are concerned about fraud, you can log into your account anywhere you have wi-fi. You can even access your account from a different country (although if you are traveling, it’s always a good idea to give your bank a heads-up so they don’t label the out-of-country transactions as suspicious). You’ll just be asked a few extra security questions if you’re logging in from a different device.
  • Don’t be a stranger. Some people wonder—is online banking better than visiting the bank? It really depends on your preference because one isn’t necessarily better than the other. However, it’s always good to be familiar with your bank so it never hurts to come in every once in a while.

Yes, you can count on the safety and security of online banking. Mercer Savings Bank has Secure Socket Layer (SSL) technology so that only secure connections are allowed. This technology encrypts data in transmissions between a bank and its customers.

At Mercer Savings, we also require vendors and staff to proactively ensure systems have appropriate and adequate security measures in place. We take your security seriously and are committed to protecting your information as you bank online.

Mobile Banking: The Basics

Much like online banking, mobile banking offers you more convenience and freedom. You aren’t tied to the bank’s hours—or even your computer.

With mobile banking, you can access the same banking services on your phone or tablet as you would on your computer.

With mobile banking, you can now do your banking any day, at any time, in any place. For example, did you get off work later than you thought and couldn’t make it to the bank in time to deposit your check? No worries. With mobile banking, you can make a mobile deposit into your account by simply taking a picture of your check.

You no longer need to take a physical trip across town to make changes to your account. Simply pull up the mobile website or app on your phone and make any needed changes—saving time and gas.

You can trust that your mobile banking is secure. Just like using your standard bank account, security measures are in place to keep your privacy intact. Through special verification and steps of authorization, you never need to worry about losing access or having your account hacked.

Stay Secure with These Online and Mobile Banking Safety Tips

As we’ve discussed in the sections above, your bank takes your online security seriously.

However, there are some things you can do on your end to help keep the account as secure as possible. After all, you can’t be too careful!

lock on a computer

How to Stay Safe When Banking Online

Follow these tips to protect your information:

Set and change passwords—and do it often. We know you’ve heard this one before, but it’s worth repeating: create a different and unique password for all financial and personal accounts. Change your password several times a year—you could do it at the start of each season, so it’s easy to remember.

Check your accounts regularly

Check accounts regularly. The best way to prevent identity theft is to monitor your bank and credit card account activity statements. Also make sure to check insurance and investment accounts, utilities and services that have been set up with automatic payments, and online accounts like Amazon or eBay that may be tied to your credit cards or financial accounts.

don't click on link in email

Don’t click that email link. Never provide bank, credit card, or other financial information via email. If you get an email from an unfamiliar address claiming to be someone from your bank and they ask for information, don’t send it. Don’t click on the links in the email or reply to it. Your bank will not ask you to share sensitive information via email.

More on Online and Mobile Banking Safety

Here are some more resources you might like for maintaining online and mobile security.

Mercer Savings Bank Frequently Asked Questions

Generally, it’s because either the username or the password was entered incorrectly. They are both case sensitive.

Your password will expire every 6 months. You will be notified the first time you log in after the password has expired.

All of your personal accounts will automatically appear in your online banking. You don’t have to do anything to add them.

This is a security feature. Our online banking system knows what devices you use regularly. If you are using a different device than normal, you will be required to answer a security question.  To bypass this on your regular device, select “Don’t Challenge Me On This Computer.”

You can click on the “Forgot Password” link and receive a temporary password by email.  You can also call us, and we can give you a temporary password.

Online account history is retained for 45 days. To see a longer history, sign up for eStatements, which allows you to view up to 18 months of account history.

Mercer Savings Bank eProducts

At Mercer Savings Bank, we make it easy for you to bank online and on your mobile devices. These are some of the most popular services that you can take advantage of as a Mercer Savings Bank customer.

CardValet

One of our newer products, CardValet gives you the ability to turn your bank card on and off, set location and spending alerts, and view your transaction history—all from your phone.

For example, you can set it to notify you every time your card is swiped. Or, if those notifications are starting to pile up, you can set it to notify you if a purchase over a certain amount is made. You can also turn your card off—this is handy if you misplace the card and want to look for it without worrying about it being stolen.

Highlights:

  • Receive alerts when your card is used.
  • Restrict card use to a specific area.
  • Set spending limits.
  • Turn your debit card on and off to prevent use.
  • Review your account balance and recent card transactions.
  • Specify purchase thresholds by merchant type, such as retail stores, groceries, or gas.
  • Prevent unauthorized charges if your debit card is lost or stolen.

How do you use it?

If you’re a Mercer Savings Bank customer, you have access to CardValet. You can download the free app for your phone on Google Play or the App Store simply by searching for “CardValet” in the store on your phone.

online bill pay

Online Bill Pay

Online bill pay offers a whole new level of convenience when it comes to paying bills. With online bill pay, you can put all your vendors in one spot (such as utilities, cell phone bill, cable, etc.) as opposed to visiting each website, one at a time.

You can automate payments so you never miss a payment again. You’re also able to see when your bills are due—all on one website, with one password.

Highlights:

  • Pay all your bills in one spot
  • Automate payments
  • Convenient and easy bill management

How do you use it?

Once you’ve signed into your online banking account, simply click on your Mercer Savings Bank checking account and click the Bill Payment button.

Mobile App and Mobile Deposit

The Mercer Savings mobile app and mobile deposit services bring banking to your phone or tablet. By downloading the app, you have the option of doing all your banking right on your phone.

Highlights:

  • Deposit checks anywhere using only your phone
  • Check your balance on the go with the instant balance feature
  • Transfer funds and pay bills

How do you use it?

To access mobile banking, you must first have an online banking account. Then, you need to enroll in mobile banking and download the app to your device.

manage your account online with online banking

Manage Your Account Online with Online Banking

Online banking makes it easy to manage your account 24/7. If you have a Mercer Savings Bank account, you have free access to online banking.

Highlights:

  • Monitor your account online on your schedule
  • Download account statements
  • Transfer funds between Mercer Savings accounts as needed

How do you use it?

If it’s your first time using online banking, you’ll need to enroll first before accessing online services. If you’ve already set up your account, you can log in anytime.

PopMoney

Splitting a meal while on the go but forgot to bring cash? Easily pay friends and family with PopMoney. PopMoney is a person-to-person system that allows you to make or request payments using someone’s phone number or email.

pop money

Highlights:

  • Make payments to or request payments from friends and family
  • Easily transfer funds on-the-go
  • Able to make payments to or request payments from non-Mercer Savings

How do you use it?

From your mobile banking app, you can click on “Payments” at the bottom of the screen. Then, click the PopMoney icon.  To access it through web pay, click PopMoney tab.

Banking with Mercer Savings Bank

Mobile and online banking services add an extra level of convenience to your banking. And, of course, you’re still welcome to come into any of our locations in Darke or Mercer counties to meet with us.

“You can use all the online resources you want,” Emily Casebolt says. “But we still encourage people to visit. We’re still here for you.”

Mercer Savings Bank irmscher road

Not yet a member of Mercer Savings Bank? Sign up today.

If you’d like to open an account with Mercer Savings Bank, we make it easy. Contact us today and we’ll be happy to help you get started.

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