new us bank mobile app

N26 offers smart, flexible banking in an app. Voted 'Best bank in the world' by Forbes. Open a free bank account in 8 minutes and manage your money. New introductory offers plus unique benefits and rich rewards Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC. Open new accounts and loans Set up a new savings or certificate account, or apply for a loan, without getting off the couch. Use the mobile app to deposit. new us bank mobile app

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Annual Percentage Yield (APY) is accurate as of XX/XX/XXXX, is subject to change without notice, and will be determined and fixed for the term at funding.  Applies to personal accounts only. A penalty may be charged for early withdrawal. Minimum deposit to open is $2,500.    

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“Discover’s high-yield savings account is among the best in its online class.” 

“Discover Bank is an online bank providing one of the most attractive checking account offers in the industry. With it you can earn cash back on debit card purchases, while paying no monthly fees.”

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"Discover Bank offers a broad range of products, including checking and savings accounts, money market accounts, and CDs with maturity dates between three months and 10 years."

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Online and from the mobile app, it’s easy to send and receive money between almost any U.S.-based bank accounts. Just enroll with your email or U.S. mobile number and you’re ready to go.

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Get access to cash on the go. Just tap to find one of our no-fee ATMs near you.

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  • 5 Online Banking Myths Debunked

    Put your online banking knowledge to the test and see if you've fallen for one of these common myths.

    “If you can manage your traditional bank’s account online via its website or app, you can manage an online-only account. It’s the same basic experience.”

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    Read full article

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    If you want a thorough budget that will put every dollar to work for you, zero-sum budgeting might be the answer.

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    Read full article

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Источник: https://www.discover.com/online-banking/

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US Bank's new app features could drive greater mobile engagement

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  • This is an excerpt from a story delivered exclusively to Business Insider Intelligence Banking subscribers.
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US Bank has announced that it is adding new features to its US Bank Mobile App including the option to use the app in Spanish and availability on Android devices. The news comes around four months after the bank completely overhauled its app with the goal of offering a mobile bankingexperience informed by research into how people use their mobile apps and consumer needs.
Percentage Of Digital Users That Are Mobile Users
Business Insider Intelligence

As part of the upgrade, US Bank added new "Insights" — a feature that launched in April and is gaining quick adoption. Insights is a tool that offers customers an AI-driven personalized feed of key financial information, such as cash flow analyses at the end of the month, warnings about potential duplicate transaction charges, or a breakdown of spending by category.

US Bank says that in the four months since the feature's launch, it has delivered over 100 million of these insights to customers, and it makes sense that they would be popular: Personal finance management features are well-regarded by customers. For example, 66% of mobile banking users who responded to Business Insider Intelligence's Mobile Banking Competitive Edge study (Enterprise only) said the ability to view spending within specific date ranges would "very" or "extremely" valuable.

A couple of other enhancements of note include:

  • New account enrollment options. The bank has added new offerings to its marketplace, such as home equity loan, savings, and investment products in an effort to make it easier for prospective customers to digitally apply for new accounts. These new offerings can help US Bank stay ahead of the global game too: while 76% of personal banking products globally can be applied for digitally, this number shrinks for more complex banking products (dropping to 49% for wealth management, for example), per a study from Temenos.
  • Tools for US Bank credit cards. These include the ability to use the US Bank app to lock and unlock credit cards, which is a very popular security feature for payment cards. Eighty percent of mobile banking users who responded to Business Insider Intelligence's Mobile Banking Competitive Edge study (Enterprise only) said that placing a temporary hold on a credit or debit card was an "extremely" or "very" valuable feature, making it the most valued tool examined in the security and control category.

For US Bank, the theme of this upgrade may be a push to expand the accessibility of mobile banking features for its customers. Several of the enhancements introduced by this update center on making the mobile banking experience as widely accessible as possible, such as rolling out an Android version, offering a Spanish language option for the first time, or making a greater number of products available for enrollment through the app.

And the more accessible the bank's mobile features are to its customers, the better chance it has elevate its percentage of mobile active customers: While 72% of its customers are digitally engaged, only half are engaging via the mobile channel. That means only 69% of digitally engaged US Bank customers use mobile, compared to 79% at Wells Fargo, and 75% at Bank of America.

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Источник: https://www.businessinsider.com/us-bank-is-rolling-out-new-mobile-app-features-2019-8

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Your money, anywhere you are

You’re at your child’s soccer game and you just realized that your electric bill is due.  Or, you want to know the balance in your checking account before you buy those extra groceries at the supermarket.  With AmericanBankMobile1, you can bank when you need to and on the go – 24/7.

You can download our mobile banking app for your iPhone® or Google™ device by searching for AMBK and begin viewing your account information, paying bills, as well as, making deposits using your mobile phone. Mobile Deposit lets you snap a photo of the front and back of your check, enter some information, and deposit the funds to eligible deposit accounts

For helpful tips on safeguarding your personal information or for additional information related to Mobile Banking and Mobile Deposit, visit the following pages:

To begin using the Mobile App, you must first be enrolled and have a Sign-On ID and Password.  You can register for online banking by clicking here to enroll now or by clicking on the Register button after you download our Mobile App.

1 Mobile device and usage charges may be assessed by your carrier

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What Can You Do With the Mobile App?

When you use the Mobile App, you have the ability to bank much like you do when you bank online. Here are some of the features:

  • View account balances and transaction history
  • View check images
  • View account statements
  • Transfer funds between American Bank accounts and schedule future transfers
  • Make cross customer transfers
  • View and schedule bill payments
  • Send money to other people using Popmoney
  • Transfer money between your American Bank account and accounts you own at another financial institution
  • Make deposits to eligible deposit accounts2
  • Find convenient ATM locations
  • Contact us quickly and easily

2 Deposits subject to verification and are not available for immediate withdrawal.  See Mobile Deposit Addendum for deposit limits/availability, and other restrictions.

Mobile Deposit

We’ve taken mobile banking one step further and also given you the power to make deposits when and where you want – that’s what Mobile Deposit is all about! With Mobile Deposit, you don’t have to make extra trips to the Bank. You can deposit checks securely using your mobile phone.

So, how does it work? Using your phone, simply snap a photo of the front and back of your check, select an eligible account, enter the amount and send it to us for processing. It’s that easy!

Ready to begin using Mobile Deposit? Mobile Deposit is only available when using the AmericanBank Mobile app.  Once you have successfully downloaded the app onto your phone, sign-on and select “Make a Deposit” from the main menu.

You can also review the Mobile Deposit Addendum which is part of our AmericanBank Online and Mobile Access Agreement for deposit limits, availability and other restrictions.

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Источник: https://www.ambk.com/personal/mobile-banking/

Under the hood of U.S. Bank’s new mobile app

U.S. Bank has built a new mobile app from scratch that includes artificial intelligence-driven personalized insights and a mortgage and small-business loan offering. It's the latest contender in the race among large banks to offer the most appealing customer-facing technology.

The new app, executives say, sprang from conversations with customers about their banking preferences.

“We realized two important things about our customers,” said Tim Welsh, vice chairman of consumer banking. “The first is, they do not wake up to bank, they wake up to live their life, and banking needs to be much simpler and easier than it has historically been. The second thing we realized was customers' expectations of a bank are set by their experiences in other industries. You can push a button on your phone and a car pulls up, why can't I push a button and get a mortgage?”

The bank’s software developers looked to apps from Fitbit, Uber, Delta and Facebook as well as bank apps in the U.K. and Europe for inspiration.

They also worked with 5,000 customers over nine months to “co-create” the app.

Six teams of app designers met with customers every week to understand what they wanted. They also conducted focus groups and did remote testing with customers wearing head cams and trying out prototypes. Sometimes they handed customers a pen and asked them to draw their ideal banking app.

The goal was to create an app that would be more than just a “dumb, transactional app,” but would help build relationships with customers, said Gareth Gaston, executive vice president of omnichannel.

“A lot of companies think about digital as a way of getting calls out of the contact center or people out of branches,” Gaston said. “We see this as a huge opportunity to extend that relationship that they have had at the branch perhaps and will continue to have, rather than having this cold transaction with a company that doesn't know them.”

What’s under the hood

The bank has built a layer of artificial intelligence that gives customers insights about their financial lives. It’s based on technology from Personetics, but Gaston said the bank heavily customized it.

“Customers tell us, you've got this information about me; why don't you do something with it?” Gaston said. “So we're going to take that information and give some helpful insights that also give some actions.”

The insights will help customers meet their savings and spending goals, help customers stay under budget and send travel notifications for cards.

Some insights are cautions or warnings, such as “We saw you had a duplicate transaction, you were charged twice by Amazon,” or “You may overdraft next week if you pay this bill on this day, do you want to move the bill or do you want to transfer some money?”

Others are more forward-looking, such as “We see you bought a ticket for a vacation, would you like to set up your travel alerts?”

A common question customers call the call center for is, “Is my check there yet?” The app will proactively tell customers when their checks are deposited and the amounts.

The bank is launching the app with about 100 such insights, and it will add more over time.

Some of the alerts are actionable, so for instance if an alert says a bill is due tomorrow, the customer could tap a button to pay it immediately. Or an insight could suggest the customer put a chunk of money in savings, and let them execute that right away.

The app also has a new help feature.

“We're geekishly proud of our help feature because if you’re stuck and you linger, it will ask you if you want help and it will start to overlay the page. It will green out everything but the bit you have to worry about and it will start talking you through it,” Gaston said.

The app's AI layer will learn to customize the navigation bar over time to feature the types of things individual users do most.

The app will support multiple languages, starting with Spanish.

"We have a great number of customers whose first language is Spanish and we'd like to service more customers whose first language is Spanish,” Gaston said.

The tone of the app is meant to be warm and conversational, to try to help build a connection with the customer.

“I got an alert through the app the other day that said, ‘Uh oh, your internet connection is not very good.’ It was very conversational and human, not "Error: internet connection," Gaston said.

Version one is an iPhone app.

“We don't have anything against Android customers, we're going to launch our Android app sometime in the summer,” Gaston said. “We're designing specifically for each platform to give it the best possible experience.”

Agile development

The teams creating the app — developers, designers, product owners, risk people, and so forth — used agile development methods. This method of creating software in quick spurts will let them create monthly updates for the app.

“I was sitting in the back of one of the rooms [during a presentation by a developer] and the person didn't know who I was and he said, ‘It's amazing this bank is doing agile by
the book,’ ” Gaston said. “It was great validation from someone who came from another industry who's used to working in agile that the bank is doing it properly. And the talent we have is re-energized because they've got this great new way of working and they're empowered and can get on with it without people like me coming in every day asking for status updates.”

To get the new app to work, especially real-time personalized insights, the tech team had to build real-time data feeds.

“It was a relatively big part of this,” Gaston said. “We had to get a new repository and engine to hold all the data and we had to get all the feeds plugged in properly and not rely on the old connections and have enough speed in that platform so it can interact and provide an insight. As we get a piece of information, we can fire the insight. If you're going to tell someone their paycheck is here, you have to be right.”

Small-business loans and mortgages

Last fall, U.S. Bank built digital loan platforms for small-business loans and mortgages. This technology has been ported to the new app.

“Small-business people got into the business because they're passionate about their business,” Welsh noted. “They're not passionate about asking us for a loan, but they do need a loan.”

At most banks, a small-business loan takes two weeks of back-and-forth between bank and customer, asking for and providing information and documents, he said.

“It's an incredibly frustrating process,” Welsh said. “We said that's ridiculous. You want to run your small business. The last thing you want to do is spend time going back and forth with me about a loan document.”

On U.S. Bank’s website and now its mobile app, a small-business person can complete a loan application in 6.5 minutes and in many cases it can be funded instantly, he said.

“One of our Bismarck, N.D., customers who runs a manufacturing facility said she started typing in her computer at 9:41, and at 9:58 the money was in her account,” Welsh said.

The bank has a similar story about mortgages.

“We realized the joy is owning the home,” Welsh said. “The pain is dealing with us through the process.”

In the fall the bank piloted the ability to instantly approve a mortgage based on a customer’s assets and credit standing, which it can verify without the customer’s involvement.

“If you're a U.S. Bank customer and you're applying for a fairly standard mortgage, there is a reasonable chance that you will qualify as an instant approval candidate,” Welsh said. “You can be standing in the home of your dreams, push some buttons on your phone, and get an email that says you've been credit approved by U.S. Bank.”

To help customers anxiously wondering about the status of their mortgage, the bank built a new communication tool that’s based on Domino’s pizza delivery app.

“We asked ourselves, what organization communicates best with customers about ambiguous processes?” Welsh said. “One of the best examples of that is Domino's Pizza. They say, the pizza is in the oven, the pizza’s on its way, the driver's name is Mike. We said, If you could do that for a pizza, couldn't you do that for something that's important like a mortgage?”

The new app also contains a new credit card application.

“If you're a customer and we've done KYC recently, you only have to go through six questions rather than the usual 30,” Gaston said. Customers can open a checking account on the app in 10 minutes, he said.

Editor at Large Penny Crosman welcomes feedback at [email protected]

Источник: https://www.americanbanker.com/news/under-the-hood-of-u-s-banks-new-mobile-app

: New us bank mobile app

New us bank mobile app
New us bank mobile app
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U.S. Bank APK

U.S. Bank is one of the largest banks in the United States, and they need a powerful application for its clients. With that in mind, the U.S. Bank app for Android offers complete access to its users to the accounts and various operations.

Some of the features available in the application include Instant Balance so that users can view their primary account balance without logging in, up-to-date balances for your U.S. Bank savings, checking, credit card and brokerage accounts, eStatements and transaction history for most accounts, and even customized Account alerts.

Also, with the included camera, you can also deposit checks remotely from anywhere in the U.S. with DepositPoint, or transfer funds between accounts.

  For more information on downloading U.S. Bank to your phone, check out our guide: how to install APK files.

Features:

  • Get access to U.S. Bank accounts
  • Keep an eye on your spending
  • Get customized account alert

U.S. Bank APK versions (16):

Источник: https://mobile.softpedia.com/apk/u-s-bank/

THE U.S. BANK MOBILE APP

Skip to main content

Bank from home or anywhere else.

It’s easy, convenient and secure with the U.S. Bank Mobile App.

or text GET APP to 872265 to receive a download link

U.S. Bank Smart Assistant features by voice.
U.S. Bank Smart Assistant features by voice.
U.S. Bank Smart Assistant features by voice.

Bank by voice in the app.

Simply talk, type or tap to quickly and easily complete everyday banking tasks with U.S. BankSmart Assistant in the U.S. Bank Mobile App. Try it today – just log in to the app and look for the Assistant icon at the bottom of the screen.

Spend and save smarter.

Everyone’s money needs are different. That’s why, from the moment you install the U.S. Bank Mobile App, it gets to know you – and your money – personally, providing smart, timely Insights to help you feel more confident about your financial decisions. Every day, in the moments that matter.

Card controls that put you in command.

The U.S. Bank Mobile App gives you a new level of secure control over your credit and debit cards.

Activate a new card, review transactions, change your ATM PIN on the fly and receive notifications of card purchases.

Speed through checkout with added security and convenience when you use the app to add your card to PayPal. iPhone® users can also add cards to Apple Wallet.

Misplaced your credit or debit card? No worries. Now, you can instantly lock your card while you search, then unlock it once you find it. It’s fast and simple – so you can relax, knowing your card is safe.

It can be unnerving to lose your card, and even worse if it’s stolen. But in just a few easy swipes, you can report the loss, freeze the account, and have a replacement card on its way to you.

More solutions and offers just for you.

We know there are times when you may want additional options to save, borrow or grow your money. So we made it easy to apply for an account to fit your personal or business needs, right in the app – and often in 10 minutes or less!

¿Hablas español? So do we.

Bank confidently in the language you prefer. Just open the app menu, select  settings and go to Language to choose English or Español.

Expect more.

Watch for new features and updates as we continue to build a mobile app you’ll love.

Источник: https://www.usbank.com/online-mobile-banking/mobile-banking.html

U.S. Bank Debuts New Style Banking

By Jondi Gumz

Customers at the new U.S. Bank branch in New us bank mobile app will use a pass code to get in and use the ATM for deposits or withdrawals or to pay accounts. Bankers inside will have mobile tablets to assist customers and a customer support station provides space for one-on-one conversations, but don’t come at noon, because the bank closes for lunch until 1 p.m.

U.S. Bank Times Publishing Group Inc tpgonlinedaily.com“We have no teller line for transactions,” said. Heather Kesner, senior vice president for consumer and business banking, San Francisco Bay, at U.S. Bank. “We’ve replaced that concept with a number of comfortable meeting spaces where we can have more in-depth conversations with our customers about their financial needs, with cash transactions handled exclusively via our ATM.”

A ribbon-cutting ceremony for the U.S. Bank in Aptos took place Tuesday, Oct. 5, at the Rancho Del Shopping Center, 96 Rancho Del New us bank mobile app, with the Aptos Chamber of Commerce.

U.S. Bank is donating $4,000 to Aptos-based California FarmLink, whose mission is new us bank mobile app invest in the prosperity new us bank mobile app farmers and ranchers via lending and access to land, and $4,000 to Friends of Santa Cruz Public Libraries, earmarked to support the Aptos Library rebuild.

U.S. Bank Times Publishing Group Inc tpgonlinedaily.com

The new us bank mobile app U.S. Bank branch in Aptos’ Rancho Del Mar Shopping Center.

The branch manager is Ana Alvarez.

The Aptos branch serves as a hub for wealth questions with a full-time wealth advisor and business banking specialist on-site.

Aptos customers can take advantage of U.S. Bank’s award-winning mobile app and online banking include features such as personalized insights to make managing money easier, the U.S. Bank Smart Assistant to make getting what you need a few words away, co-browse with live video to see the banker you are speaking with, and more.

U.S. Bank Times Publishing Group Inc tpgonlinedaily.com

Inside the new U.S. Bank branch in Aptos

“Many traditional day-to-day what is the tallest mountain in north america can be handled through our new digital tools,” Kesner said, “so we can focus our interactions with our customers on identifying and providing solutions for their financial needs.”

In response to the New us bank mobile app pandemic, the branch incorporates design the cooperative bank of cape cod routing number such as Plexiglass barriers and anti-microbial surfaces, and signage to encourage social distancing.

Four more remodels are planned for the San Francisco Bay Area through 2022.

•••

U.S. Bank reports nearly 70,000 employees and $553 billion in assets as of March 31. According to the FDIC, U.S. Bank had $47 million in deposits in the Aptos ZIP code in June 2019 — less then 6 percent of total deposits before the Aptos branch was closed, Presumably bank staff will be working to get those deposits back.

(Visited 134 times, 1 visits today)
Источник: https://tpgonlinedaily.com/u-s-bank-debuts-new-style-banking/

It looks like you are not the account holder. If a Citi account holder wants to grant you access to their account information, visit the Citi Developer Portal to try our APIs and contact our Open Banking Business Development Team

Citi
Источник: https://www.citi.com/

US Bank's new app features could drive greater mobile engagement

US Markets Loading.HMS

  • This is an excerpt from a story delivered exclusively to Business Insider Intelligence Banking subscribers.
  • To receive the full story plus other insights each morning, click here.
US Bank has announced that it is adding new features to its US Bank Mobile App including the option to use the app in Spanish and availability on Android devices. The news comes around four months after the bank completely overhauled its app with the goal of offering a mobile bankingexperience informed by research into how people use their mobile apps and consumer needs.
Percentage Of Digital Users That Are Mobile Users
Business Insider Intelligence

As part of the upgrade, US Bank added new "Insights" — a feature that launched in April and is gaining quick adoption. Insights is a tool that offers customers an AI-driven personalized feed of key financial information, such as cash flow analyses at the end of the month, warnings about potential duplicate transaction charges, or a breakdown of spending by category.

US Bank says that in the four months since the feature's launch, it has delivered over new us bank mobile app million of these insights to customers, and it makes sense that they would be popular: Personal finance management features are well-regarded by customers. For example, 66% of mobile banking users who responded to Business Insider Intelligence's Mobile Banking Competitive Edge study (Enterprise only) said the ability to view spending within specific date ranges would "very" or "extremely" valuable.

A couple of other enhancements of note include:

  • New account enrollment options. The bank has added new offerings to its marketplace, such as home equity loan, savings, and investment products in an effort to make it easier for prospective customers to digitally apply for new accounts. These new offerings can help US Bank stay ahead of the global game too: while 76% of personal banking products globally can be applied for digitally, this number shrinks for more complex banking products (dropping to 49% for wealth management, for example), per a study from Temenos.
  • Tools for US Bank credit cards. These include the ability to use the US Bank app to lock and unlock credit cards, which is a very new us bank mobile app security feature for payment cards. Eighty percent of mobile banking users who responded to Business Insider Intelligence's Mobile Banking Americas best safety glasses Edge study (Enterprise only) said that placing a temporary hold on a credit or debit card was an "extremely" or "very" valuable feature, making it the most valued tool examined in the security and control category.

For US Bank, the theme of this upgrade may be a push to expand the accessibility of mobile banking features for its customers. Several of the enhancements introduced by this update center on making the mobile banking experience as widely accessible as possible, such as rolling out an Android version, offering a Spanish language option for the first time, or making a greater number of products available for enrollment through the app.

And the more accessible the bank's mobile features are to its customers, the better chance it has elevate its percentage of mobile active customers: While 72% of its customers are digitally engaged, only half are engaging via the mobile channel. That means only 69% of digitally engaged US Bank customers use mobile, compared to 79% at Wells Fargo, and 75% at Bank of America.

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Источник: https://www.businessinsider.com/us-bank-is-rolling-out-new-mobile-app-features-2019-8

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