Megan Brooks
Midland States Bank offers a mobile banking app that allows customers to manage their finances on the go. The app is available on the App Store, Amazon, and Google Play, and provides features such as checking balances, transferring funds, depositing cheques, locating branches and ATMs, and paying bills. In addition, the bank offers a referral program where customers can earn $50 for referring new customers who open and maintain a checking account for 90 days. However, some users have expressed frustration with the app, citing issues with delayed transaction updates and unhelpful customer service. BM Technologies Inc., a subsidiary of First Carolina Bank, also offers a mobile-first banking solution with its BankMobile Student Checking Account, which is exclusive to students at its partner colleges and universities. This account provides features such as zero liability protection, privacy, early payroll direct deposit, and mobile check deposit.
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What You'll Learn
Mobile banking app features
Mobile banking apps are designed to make managing your finances quick and easy. The Midland States Bank Mobile app, for example, allows you to check your balance, transfer funds, pay bills, deposit cheques, locate branches and ATMs, and contact customer support. You can also activate text alerts and use voice banking with Alexa.
Many mobile banking apps now offer mobile check deposit, allowing users to deposit cheques by taking a photo of the cheque with their smartphone. This saves time, as users don't have to visit a branch or wait in line to deposit a cheque. Some apps also offer QR code scanning for quick and secure mobile payments.
Security is a key feature of mobile banking apps. Biometric security features such as eye-scanning verification, touch ID, and voice recognition provide highly secure and personalised login options. Fraud alerts are another important feature, with systems monitoring transactions to prevent fraud.
Some apps also offer virtual financial assistants to help you manage your money, as well as 24/7 customer support via AI chatbots. These chatbots can answer common questions quickly and politely, providing round-the-clock support to customers.
Overall, mobile banking apps offer a convenient and secure way to manage your finances on the go, with a range of features to help you stay on top of your money.
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Online banking security
Firstly, use strong, unique passwords for your online banking accounts. A strong password consists of at least 12 random letters (a mix of upper and lowercase), numbers, and special characters. You should also consider using a password manager, which can create and store complex, random passwords for you. Regularly updating your passwords is critical to reducing the risk of unauthorized access.
Secondly, be cautious of unsolicited emails, phone calls, or texts directing you to a website or requesting sensitive information. Banks will never ask for personal or sensitive data through emails or text messages. Always type the web address directly into your browser and ensure you are on a legitimate, secure site. Look for "https://" at the beginning of the web address (the "s" stands for secure) and a closed padlock symbol.
Thirdly, keep your devices and software up-to-date. Update your computer's operating system and software, such as web browsers, regularly to ensure you have the latest security patches. Similarly, keep your mobile device's software updated, and disable features not in use, such as Bluetooth and Wi-Fi. Review the privacy policies and data access of any applications before installing them.
Additionally, regularly monitor your account activity to detect any unauthorized transactions. Online banking provides 24/7 access to your accounts, allowing you to easily check your balance, transfer funds, and pay bills. Take advantage of these features to frequently check your accounts for any suspicious activity.
By following these tips and staying vigilant, you can significantly improve your online banking security and protect your financial information.
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Mobile check deposits
To deposit a cheque using the Midland States Mobile Banking app, go to the main menu and select "Check Deposit." Next, select the account you would like to deposit your cheque into, verify the amount, and snap a photo of both sides of the cheque. Ensure that you sign the back of the cheque before taking a picture. Once your deposit is submitted, you will receive a confirmation.
Other banks, such as Wells Fargo, Bank of America, and U.S. Bank, also offer mobile check deposit features through their respective mobile banking apps. These apps allow you to deposit cheques by taking photos of the front and back of the endorsed cheque, selecting the account, entering the amount, and submitting. Some apps may have specific requirements, such as placing the cheque on a dark-coloured surface or endorsing it with "For Mobile Deposit" before taking the photo.
It is important to note that there may be deposit limits and restrictions for mobile check deposits, which can vary based on factors like account type, deposit history, and your relationship with the bank. Additionally, there may be processing times involved, and you should retain the paper cheque for a few days in case any issues arise.
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Managing finances on-the-go
The Midland States Bank app is available on the App Store, Amazon, and Google Play. It offers budgeting tools, spending analysis, Alexa Voice Banking, and paperless statements, providing users with the tools they need to manage their finances effectively. The app also provides enhanced login security and encryption technology to protect users' financial information and privacy.
While mobile banking offers convenience, there may be concerns about the accuracy of information. For example, some users have reported issues with the Midland States Bank app, such as delays in transaction updates and account balance discrepancies. These issues can lead to unexpected overdrafts if transactions are made based on outdated account information.
To address these concerns, some mobile banking platforms, like BankMobile, offer features such as Zero Liability protection, where users are not liable for unauthorized transactions. Additionally, BankMobile prioritizes the safety and confidentiality of users' personal and financial information, never initiating contact to request sensitive information unless in response to suspected fraudulent activity.
Ultimately, mobile banking provides users with the ability to manage their finances on-the-go, offering convenience, flexibility, and control over their money. However, it is important to carefully review transactions and account information to ensure accuracy and protect against potential financial losses.
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Customer service
Midland States Bank offers a range of customer support options for its mobile banking services. The bank's website provides tutorials and step-by-step guides to help customers navigate online and mobile banking features. Additionally, customers can refer to the website for information on various financial tools, such as budgeting, spending analysis, and financial calculators.
For more direct assistance, Midland offers customer support through multiple channels, including phone, email, and chat. Customers can reach out to the support team for help with login issues, account inquiries, and other concerns. The website also provides contact information for specific departments, such as wealth management, allowing customers to connect with dedicated professionals in their area of need.
While Midland promotes the convenience and ease of its mobile banking app, some user reviews highlight frustrations with the app's performance and customer service. There have been complaints about delayed transaction updates, outdated account balances, and difficulties in reaching local branches by phone due to centralized bots. These issues have led to concerns about the reliability of the app and the responsiveness of customer support.
To address these concerns, Midland States Bank should focus on enhancing its mobile app technology and improving the accessibility and effectiveness of its customer service channels. This includes ensuring timely transaction updates, accurate account information, and efficient phone support systems that connect customers directly with local branches. By prioritizing these improvements, Midland can better serve its customers and provide a more positive mobile banking experience.
In summary, while Midland States Bank offers a range of customer support options and financial tools, there is room for improvement in the mobile banking app's functionality and the responsiveness of its customer service. By addressing these concerns, Midland can enhance its customers' overall banking experience and increase satisfaction.
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Frequently asked questions
The Midland States Bank mobile app allows you to manage your finances on your schedule, providing convenient access to mobile banking tools at home or on the go using your phone, smart devices, or computer.
You can download the Midland States Mobile Banking app on the App Store, Amazon, or Google Play. If you already have a Midland money market, savings, or checking account, you can sign up for online banking by logging into the Midland website.
With the Midland States Bank mobile app, you can check balances, transfer funds, pay bills, deposit checks, locate branches and ATMs, or contact customer support.
