The FDIC tells mobile banking users to take the following steps to keep themselves safe:

  1. Protect phone access with a PIN
  2. Install anti-malware software on the phone
  3. Monitor transactions regularly to detect fraud
  4. Use your cellular service to connect to your bank account and not an unsecured public Wi-Fi network
  5. Call your bank to get answers to questions you may have before you sign up to use mobile banking services.
closeup of a young man using a smartphone in a natural landscape, with a grove of almond trees in full bloom in the background