Get More out of Banking

The banking industry has exploded with new technology, new features, and new benefits. If you go in to open a new checking or savings account, chances are you will have an in-depth discussion with your banker about your current financial habits, income and spending trends, and how you plan to use the account. This process is not meant to be a hassle, but to get an idea of what services and products are best suited for your needs. Online banking in Johnstown, PA, is just one of those products, but along with it comes a multitude of special features and options.

Online Banking Benefits

Online banking is offered by most financial institutions. It gives you the ability to log in from any computer or smartphone to check your account balances, transfer funds, and pay your bills. Having instantaneous access to your funds means that you can manage and monitor your account with ease, prevent overdraft activity, watch for protentional fraud, and stay on top of your finances. Many services offered by your bank can be done online, which saves you a trip to the branch and time waiting in line for the next teller or banker. Online banking is also convenient; it can be hard to find time during the week to make a trip to the bank especially since many people work during the typical banking hours.

Advanced Online Banking Options

If you currently use online banking, you probably know the basics. You can check your account balance and transfer funds between accounts. Did you know that you can also schedule bill payments, pay individual people, transfer funds to an outside bank account, send gifts and charitable donations, and live chat with bank representatives?

Bill pay is a unique feature in that rather than setting up ACH, you can log in through the online banking platform, select who to pay such as your landlord, your parents, your mortgage company, or your car loan provider, set the amount of the payment, and schedule the date for which the payment should be mailed. On that date, your bank will then issue a check from your account and mail it to the designated recipient. You can set up one-time payments or recurring payments, and don’t have to worry about postage or forgetting to send it out by the due date. Other features offered through online banking can include budget tracking, spending and savings goals, payoff goals for outstanding debts and loans, and even tools to calculate your net worth. If you are interested in having even more control over your finances enroll in online banking in Johnstown, PA, today.