Mobile Banking

Clinton National Bank’s Mobile Banking gives you secure access to your accounts from your mobile phone.   It’s like having a Clinton National Bank branch right in the palm of your hand.   Whether you are checking your account balances, transferring money from one of your accounts to another, or paying bills, you can do it all from the convenience of your mobile Phone.  Clinton National Bank’s Mobile Banking, take us with you wherever you are in life!


Mobile Banking works with any mobile device. We have apps for iPhone and Android phones.  Get registered through our PC Banking page on our website.


With Mobile Banking you can...

  • Retrieve up-to-the-minute balances on checking or savings accounts and certificates of deposit.
  • Make loan and line of credit balance inquiries.
  • Retrieve transaction histories.
  • Make real-time transfers of funds between checking and savings accounts.
  • Receive account alerts.
  • Pay your bills on a one-time or future date basis.

 

Take advantage of these newest services available through Mobile Bankiing, Xpress Deposit and People Pay.

Xpress Deposit
Depositing checks is easier than ever.  Just use our App to snap a photo of your check, select your
account and send.  

You log in to Mobile Banking on your phone.  When endorsing the back of the check to be deposited through Xpress Deposit, it must contain the phrase“For Mobile Deposit Only at CNB” followed by your signature.   Then simply follow these easy steps:

*  Click on Check Deposit    
*  Read the disclosure notice 
*  Click continue. 
*  Click on front of check to capture the front image
*  Flip the check over then click on back to capture the back of the check
*  Enter the amount of the deposit and select the account you want to deposit into
* Click continue.       
* You will get an email once your deposit had been accepted byby Clinton National Bank 
(Cut off for a day’s business is 5:00 PM).

 

People Pay
People Pay eliminates the need to carry cash or checks. With People Pay, you can pay back a friend for lunch, pay the babysitter, send money as a gift, and more, just by using the People Pay service through Mobile Banking.  

All you need is the email address or the mobile phone number of the person you want to send money to.  An alert will be sent to the recipient via email or mobile phone, explaining how to claim the payment. The funds will be deducted from your account when the recipient claims the payment.

You can send money directly to a bank account using a bank routing number or use Pay Pal. You will need the routing number and account number of the person you are sending money to. Then, you can deposit the money directly into his or her bank account. The funds will be deducted from your account when the payment is received.

 


                          

 

Although our Mobile Banking service is free, standard rates and fees from your wireless carrier may apply.

 

Mobile Banking Fraud Prevention Best Practices

  • Lock your device with a personal identification number (PIN ) or password:

Configure your device to automatically lock after a certain period of time.  Even after your device is password-protected, never leave it unattended in public, lost and stolen devices is the number-one threat to mobile users.

  • Only install applications (apps) from trusted sources:

Shop at reputable app stores.  If you are an Android user, avoid installing non-market applications by de-selecting the “unknown sources” option in your device’s Applications Settings menu.  Read the app’s privacy policy to see how much of your data the app accesses and if it will share your information with third parties, if there is a privacy policy. For example, if a game application requests access to your address book, you should ask yourself why it would need that access. If you are at all suspicious or uncomfortable, don’t download the app.

  • Back up your data

Many smartphones and tablets have the capability to backup data wirelessly, so you can quickly restore the information on your phone if the data is lost or accidentally deleted.

  • Keep your system updated

Download software updates for your mobile device’s operating system when prompted.  This way, you’ll always have the latest security updates and ensure that your device is always performing at an optimal level.

  • Don’t hack your device

Hacking, or tampering with your own device to free it from the limitations set by a provider, can significantly weaken the security of your device. By hacking your device, you can potentially open security holes that may have not been readily apparent, or undermine the device’s built-in security measures.

  • Always log out of banking and shopping sites

Log out of sites instead of closing the browser.  Also, never save usernames and passwords in your mobile browser or apps, just in case your device falls into the wrong hands.  Don’t bank or shop online from public Wi-Fi connections; save your sensitive transactions, such as online banking for when you’re on a network that has security measures in place.

  • Turn off Wi-Fi, location services, and Bluetooth when they are not in use

Cybercriminals and identity thieves can easily access your information without your knowledge if the connection is not secure. When you’re away from your home or work network, use a 3G or 4G data connection since most mobile phone providers encrypt the traffic between cell towers and your device.  Turn off apps that use location services.   Bluetooth should be turned off when you don’t need it.

  • Avoid texting or emailing personal information

Even if you receive a text that appears to be from your bank or another legitimate business, never respond with personal information. Instead, contact the business directly to confirm their request.    

  • Don’t click on links or attachments in unsolicited emails or text messages

Remember to use your Internet best practices, and be wary of links in unsolicited email or text messages (both SMS and MMS). Our best advice is to delete unsolicited messages as soon as you receive them.  Also, be wary of shortened URLs and QR codes—they could lead you to dangerous websites.

  • Install a mobile security app

Make sure that you have mobile antivirus protection that can catch existing and emerging mobile threats, and keep your software updated.

Click here to learn more about Mobile Banking features and how they work!