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Old 02-01-2011, 08:33 AM   #15
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We have for nearly 4 years had all regularly-recurring bills direct paid through bill pay or automatic debit through our home bank, never a problem.

We do all banking and checking of credit card, etc., from our laptop and with portable and secure wireless broadband. Don't know about using a phone or IPad, but would think they would be less secure. ?

Wherever you have a signal, you can handle everything, check balances and for unauthorized use, etc. It makes traveling for extended periods much easier.

We are fortunate to have an adult son close by, who checks our house and to whom we have 1st class mail forwarded when we are away. We found that 2-3 day Priority Mail forwarding could take 8-10 days to Beulah, Wyoming, and other such places. If you move around, select a more metropolitan area to have mail forwarded and await it where you are comfortable if it takes an extra day or two.


Maggie

Just realized I have provided the same info twice. Sorry.
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Old 02-01-2011, 08:35 AM   #16
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I see banks, including my own, with powerful mobile apps that allow mobile check depositing. . .
Well, now, you've aroused my curiosity. How do you deposit a check from your smart phone? Do you take a picture of the check, and the bank accepts the image in lieu of the actual check?
.
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Old 02-01-2011, 08:55 AM   #17
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Well, now, you've aroused my curiosity. How do you deposit a check from your smart phone? Do you take a picture of the check, and the bank accepts the image in lieu of the actual check?
.
It's just like scanning in a check only by taking a picture -- no postage, instant deposit. Gotta love it.
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Old 02-01-2011, 09:16 AM   #18
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It's just like scanning in a check only by taking a picture -- no postage, instant deposit. Gotta love it.
Wow. Guess I'm not ready for this 21st century stuff. (Altho I have been paying my bills online for years. . .)

Guess the next thing will be mobile cash printers! (Hey, if the Federal Reserve can print money, why can't we? )
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Old 02-01-2011, 10:04 AM   #19
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Originally Posted by Nuvite-F View Post
Wow. Guess I'm not ready for this 21st century stuff. (Altho I have been paying my bills online for years. . .)

Guess the next thing will be mobile cash printers! (Hey, if the Federal Reserve can print money, why can't we? )
.
The Federal Reserve prints Federal Reserve Notes. Read the top of any bill. Sal.
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Old 02-01-2011, 10:08 AM   #20
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We use UPS for mail forwarding since you get a real street address and they can sign for mail. Forwarding is by UPS, FedEx, USPS, overnight or standard we just send an e-mail giving directions for when, where and how to send.
We made sure we had met everyone face to face at the UPS office in case we had to call they knew who we were.

We use the same bank we have used for the past 25 years only now use on-line banking. For paper deposit we mail a check and never had a problem. We have personal service and their fees are less than the big banks.

Internet is via Verizon air card.

The only advice I would give is try to get it right 1st time trying to go through change of address with everyone can be a pain since some things only come once per year you are sure to miss a few notifications and you could be lost forever to those few.
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Old 02-01-2011, 01:12 PM   #21
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I see banks, including my own, with powerful mobile apps that allow mobile check depositing, account balances, account history, fund transfers, bill paying, ATM locators and allow insurance and investment transactions. The big question is, how safe is it to bank on a smart phone or an iPad?
2 banks I use have mobile applications for Android and iPhone. I really only focused on the features of the Android app since that's what my phone runs. I'm a professional computer geek and I'm skeptical about security, especially where my money is concerned.

Both applications require a login any time you access them, even if you were in the middle of something and switched applications on the phone it'll require re-authentication. I have configured the applications to require both my username and password to be entered each time, so I'm not presenting half the information to some scumbag who steals my phone.

This combined with setting a lock password on the phone itself provides pretty decent security. The only (minor) complaint I have is that the Chase app is somewhat picky about the image quality when photographing a check for deposit... an image that looks perfectly legible to me is sometimes rejected by the OCR software, but thus far I've been able to take another photo and get a successful deposit.
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Old 02-01-2011, 04:20 PM   #22
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It's my understanding that making these types of transactions over 3G is much more secure than over WiFi. How secure, though, I don't know. I would never log into my bank account over public WiFi at all, but I would under my own WiFi's firewall.
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Old 02-01-2011, 05:04 PM   #23
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Cell Service is more secure than WiFi, for now...

The major 3G or 4G services are much more secure than open WiFi, and should be preferrred option if signals available. Using phone or token as WiFi Hotspot somewhat less secure, but still better than Internet Cafe or Free Hotspots, assuming passwords set up...

The next round of concerns will relate to GSM versions of 3G, since European Hackers have published articles on breaking GSM security. GSM technology used by AT&T and T-Mobile, and could result in phone hacks. So far Apple phones and PC's haven't been major hacking targets, but more due to lower populatiojn size (relative to weakly protected PC's running Windows and old Security software...). If iPads keep selling at rate of 25-30M/year, and iPhones at rates over 60M/year, they will become attractive targets...

And lastly, there are about 3 or 4 providers of software systems for smart-phones that can convet photographic image of checks into images that meet "Check21" standards for electronic deposits. Some better than others at image enhancement and processing. Whether you do from smartphone or home scanner or walk into bank or stuff into an ATM machine, paper checks no longer go home to issuing bank. They are imaged and the images are processed by the Fed and others...
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Old 02-01-2011, 06:32 PM   #24
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bank?

I go into a bank building about once or twice a year. Use BillPay, AMEX and ATMs. Ain't HTTPs just grand?.

Last time I stopped in the branch was for a cashiers check and all the people were gone except for nice woman at a giant desk. She pointed me to a row of booths in the back, each with a webcam, video tube, and a handset.

When I stood in front of the booth, the tube lit up with a grainy image of a woman on the other end of the webcam. She wouldn't tell me where she actually was ("security purposes") and asked me to place my ID on a little scanner. The cashiers check printed out at the front desk.

I asked, walking out, "Isn't there an app for that?"
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