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Still, American banking websites and apps are fortified with extra-strength security against hackers and other malicious threats. But if you’re still concerned, double-check that your firewall is activated on either your computer or Android device. You should also regularly scan your device for malware to check for any security threats that might compromise your phone — and steal your information. Click here to run a Full Virus Scan:

1. Online Banking is convenient. This is really the best aspect of online banking. If you have a Wi-Fi connection and a computer, you can do your bank transactions from anywhere. Most major banks offer Android apps now too. It’s that simple.
2. Deposit your check without waiting in line. Many banking apps offer a feature where you can deposit your checks by taking a cell phone photo of them. So, you’ll have access to your money almost instantly!
3. Instantly review your account balances and transactions. Wondering how much money is sitting in your savings account? Just log on to your online banking account and all your financial data will be sitting at your fingertips! No need to phone the bank’s hotline or swing by an ATM.
4. Pay your bills on time. When you use online banking, you can pay off any debts instantly. If you’re prone to forgetting about bills, you can even set up automatic withdrawals. Making these transactions electronically means you don’t have to spend extra money on stamps, envelopes, and checks. You also won’t need to allot extra time for mail delivery.
5. Transfer funds to anyone, anywhere. Ever heard of an e-transfer? It’s exactly what it sounds like: an electronic transfer of money. Transmitted over email, you can send funds to anyone with an online banking account. It’s a great way to send larger amounts of money, such as rent. No need to meet up in-person or write checks any longer.

Just because customers want banking to be easy and convenient, however, doesn’t mean that they don’t also want their money to be completely safe and secure. And not only do customers want their funds to be safe from thieves, but they also want all of their financial and personal data to be well-guarded, too.

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Which banks have successfully launched apps that have that much-desired mix of safety and convenience? Here is a list of the top five online banking apps that walk that fine line:

1. American Express didn’t start out as a bank, but its banking app allows you to link easily with other banks to make fee-free saving easy.
2. Capital One consistently wins praise for its “Sureswipe” feature and for the overall reliability of its app, since no one wants to try to deposit a check and get the dreaded “service not available” message.
3. Chase has been investing heavily in its online banking app in recent years. The result is a feature-rich experience that has functions (like a touch-ID log on) to allay your safety concerns and smart design (like showing images related to your location) for a sense of fun.
4. PedFed, like many large credit unions, is making a real effort to move its customers to online banking to keep costs low. With its pleasant interface, that effort is likely to succeed.
5. Simple is a totally online banking platform, so it makes sense that it knows what customers want from an online banking app. Its offering is attractive and intuitive.

One thing you absolutely must consider, no matter which banking app you choose, is how safe and secure your own phone is. Mobile phones are vulnerable to hacking just like other computer devices are. The best way to protect your financial information is to install products, like those available from PSafe, that have been specifically designed to keep your phone and other devices safe and secure from hackers and thieves.

Branchless banking is spreading because it offers several benefits to the customer. First, they save the user a good sum of money, because these banks don’t have distribution channels to maintain. As a result, branchless banks do not have an incentive to charge their clients any excess fees, as the fixed costs of their business is very low. In fact, it is estimated that branchless banking is 50% cheaper than banking with a standard branch. Consequently, the use of branchless banking is frequent among those who have low incomes.

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There are several benefits associated with branchless banking, other than financial savings. For instance, with branchless banking, the bank isn’t closed on Sundays. Services usually operate 24 hours per day, depending upon the agent providing the branchless bank. You also forgo the long lines at the bank whenever you take advantage of this new technology. The ATMs offered by branchless banks are also more convenient than the ones provided by standard banks. For instance, most branchless ATMs allow you to withdraw cash in smaller increments. While most regular ATMs only allow you to withdraw a minimum of $20, several branchless banks allow you to withdraw amounts as low as $1.

There is also little to no paperwork involved with branchless banks. Thus, this system of banking is very convenient for those with low income or low literacy. Many people are too busy working to have time to deal with the stresses of dealing with a standard bank. The simplicity of branchless banks makes it easier for anyone with limited time to manage their finances.