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Do You Feel Safe Using Smart Phone Banking Apps?

I don’t know about you but it seems like every time I watch TV I am hearing about another bank allowing scanned images of checks for deposit or a bank coming out with a banking apps for your smart phone. Personally that kind of freaks me out. Maybe I am in the minority but I don’t know who made that app for the phone. Is it storing vital information on my phone that can be accessed by others? Do you have some kind of security anti hacking software on your phone? I know I don’t.

What about scanning a photo of someones check? Wouldn’t that open that persons checking account up to unnecessary theft capabilities? The routing numbers and the account number is there for anyone to see providing it is compromised. I don’t think I would appreciate someone emailing a photo of my check out over cyber space. Is it secure? How can I be sure? How can you be sure?

I think we are getting lazier and lazier. It is that important to have everything at your fingertips that we give up the security of our bank or investment accounts? What if you decide to use your phone to transfer money and pay bill on an unsecured hotspot or line?

Personally, this trend is not for me – at least not yet. Not until I can see that my phone and tablet is secure and the app is secure too. Having my accounts compromised because I was too lazy to log on to my PC or go to the bank is not worth it to me.

What do you think? Am I wrong in feeling this way? Do you feel safe using Smart Phone banking apps?

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