Contactless banking with OVB e-Services

E-Services 3

As the COVID-19 pandemic continues to sweep the nation, we are finding ourselves more reliant on technology than ever before. From distance learning in schools to remote work environments, technology is making it possible to navigate our “new normal.” Many have also moved to safe and easy contactless banking through OVB NetTeller, OVB Line Telephone Banking, OVB Text Message Banking, and the OVB Mobile App.

“Our e-Services line of products offer numerous benefits,” Andrew Bush, OVB online banking manager, said. “First and foremost, among them is time and convenience. When you can pay your bills with our Online Bill Pay service, send money to a friend, see your balances, transactions and more all without needing to make a trip to your local branch, it frees you to do the things that matter most to you.”

Bush also described OVB’s e-Services products as an asset for dealing with the “new normal” that COVID-19 has created.

“Along with the time and convenience, I’d be remiss to not point out the peace of mind these products can provide. As the COVD-19 pandemic continues to wreak havoc on our daily lives, the ability to perform contactless banking is a huge relief to many,” he said.

Do you have older relatives who are less technology savvy, but unable to visit their branch due to being in a high-risk category for the virus? If so, you are not alone. According to Bush, ensuring that all of the bank’s e-Services products are user-friendly is the primary focus.

“One great thing about our e-Services platform is its ability to adapt to each user’s individual needs and habits. If they prefer to use a tablet or smartphone our OVB Mobile Banking app is available on both Android and iOS. Does your relative like using their desktop or laptop computer? No problem. They can log into NetTeller via our website, no app necessary,” Bush said. “What if your relative doesn’t like using computers at all? I’d invite them to use Text Message Banking, as well as our OVB Line service, which was recently upgraded to include new features.”

If you are not familiar with OVB’s e-Services options available, we are here to help! Perhaps you never gave them much thought before the pandemic or maybe you need a refresher? Below are the different e-Service options available at OVB:

  • Mobile Deposit – OVB Mobile Deposit has grown in popularity over the years and has become an especially helpful product during the pandemic. It is the fastest way to deposit funds safely. Deposits made before 5 p.m. eastern are processed on the same business day with funds available after nightly processing. To use this product, you must have either an Android or iPhone with the most current version of the OVB Mobile Banking app installed. Mobile Deposit is available for use on Android and Apple tablets with cameras as well. For more information, check out our Mobile Deposit FAQ.
  • Text Message Banking– Along with Mobile Deposit, additional Mobile Banking technology is a great asset to meet your banking needs. OVB’s Text Message Banking is a quick way to get your bank balance or recent history. To activate Text Message Banking, simply go to www.ovbc.com on a desktop or laptop computer. Sign in to NetTeller with your credentials and click on the Text Banking tab. From there you simply complete and submit the form. Once you confirm the information provided, you will receive a text confirming activation. Voila! Now you can comfortably bank via text.
  • OVB Line Telephone Banking – Would you rather not rely on your computer when it comes to banking? No problem. Check out OVB’s Line Telephone Banking at 888-FONE-OVB (that’s 88-366-3682). This service is available 24/7 to serve your basic banking needs, including getting your balance; listening to transaction history; deactivating your OVB debit card; reporting your lost or stolen card; transferring money between accounts; and making loan payments from your OVB account. OVB Line Telephone Banking was recently upgraded last month and now includes features such as voice recognition. You can also now activate your OVB debit card. More Info.
  • Benjamin Tracker – Looking for some budgeting help made easy? Check out OVB’s Benjamin Tracker. With the pandemic many folks have had to rework their budgets and this product is the perfect tool to help you stay on track. Benjamin Tracker enables users to manage their money, monitor spending, set goals, and actually see where their money goes. This free product is available through both NetTeller and the OVB App.
  • NetTeller – We have already mentioned NetTeller many times in this post as it is such a great tool to manage your banking from the comfort of home and when you are on the go. Through NetTeller you can easily check balances, make transfers, research transactions, and download all your financial information in the privacy of your home. Applying for NetTeller is a simple process, click here to get started.
  • Bill Pay – Looking for ways to make paying your bills quicker and easier? Simplify your process with Bill Pay. To get started, just click on the Bill Pay tab in NetTeller. From there you will be able to start paying your bills immediately. Bill Pay is free. A nominal fee applies for special services, such as FedEx rushed payments and stylized special occasion gift checks.

One of the best ways to keep up with OVB banking news and rates is by subscribing to Rate Watchers, which is a weekly newsletter. As the pandemic continues to bring many changes, Rate Watchers is a great way to keep up on your community bank’s updates. Also, don’t forget to stop by the bank’s COVID-19 update page for the latest banking-related pandemic news.

For more information on OVB’s e-Services options and to view tutorial videos on how to use the products, visit www.ovbc.com and click on the e-Services tab.

 

7 Tips For Banking Safely On Your Smartphone

I bet it would fit in MC Hammer's pocket as-is.

I bet it would fit in MC Hammer’s pocket as-is.

Our smartphones today make the computers of yesteryear look like children’s toys.

Their average processing power, storage capacity, functionality, and (of course) portability would astonish early computer developers. From Angry Birds to Instagram, to Gmail and Skype, our phones do it all these days.

The advent of online banking in the mid 1990’s took the logical leap to our mobile devices as well. Who wouldn’t want the convenience of checking their balance or paying a bill from the palm of their hand?

However, as with any new technology there arises the potential for abuse. Many of the same techniques used by hackers and cyber-criminals to steal information from your personal computer are being used to do the same to your smartphone. Thankfully, just as there are many ways to safeguard your home computer, your smartphone has a great deal of options for security too:

  1. Use Passwords/PINs. All of the major smartphone operating systems offer the option to lock your phone until you put in a PIN, a gesture combination, or some form of password. This option should be one of the first things that you do once your new phone has been activated. Make sure that the PIN you choose is not something easy to guess. 1234 for example is a pretty common choice. Also make sure that you do not choose a PIN or gesture combination just because it is easy to input. Many people will choose one that is easy to input in a flash. These gestures are easy to guess as well because of their ease-of-use.
  2. Set Your Phone to “Time-Out” Sooner. The number one battery drain on our smartphones these days are our ultra-sharp, pixel dense, high-definition screens. So by setting your phone’s screen to time-out after a minute or so of inactivity is a smart move for saving your battery life, but it also has added security benefits. Should you set your phone down and walk off without it (an all too common occurrence) anyone who happens upon it will have access to your phone’s contents. However, if you set your phone’s screen to time-out after a minute or so of inactivity, and have activated a password feature on your phone (see above) then anyone picking up your phone will need to have the password to access it. Some of you may think it is such as hassle to have to slide your screen open every time you get a text, but think of the hassle it will be to have to reclaim your credit score from fraudulent charges because someone stole your phone and was able to easily access your information. Which seems worse?
  3. Find My Phone. One great way to safeguard your smartphone’s data is to never let it out of your sight, but how realistic is that? As mentioned above, the frequency with which people will set down their phones and walk off without them is astounding. (Just ask any waiter or bartender.) Thankfully smartphones today come equipped with the latest and greatest bells and whistles, like GPS. Using the functionality already found on your smartphone you can easily locate your phone should it be misplaced or stolen. iPhones use the app Find My Phone; while Android phones have many options in the Google Play Store, the app Where’s My Droid seems to be the most popular; Windows Phone is perhaps the simplest of all since it requires no app to download and no setting to turn on, just go to this page on WindowsPhone.com and follow the instructions.
  4. Update. Update. Update. Keep your phone up-to-date by installing your operating system and app updates, as well as your phone manufacturer’s firmware updates. When a loophole or security breach is discovered in an app or your phone’s OS, the fix is sent out in the form of an update. Make checking your phone for updates part of your daily routine. It only takes a few moments, and that is a lot less than you could spend if your personal information gets hijacked.
  5. Consider Antivirus Apps. Well known antivirus makers like AVG, McAfee, Symantec, and more have made their antivirus software in app form for your mobile devices. There are free ones, paid ones, some might even come bundled with the antivirus software you purchased for your desktop. If you think of your smartphone as a tiny, handheld computer (which it is) then you realize that antivirus apps make a lot of sense.
  6. Be Wary of Open WiFi Networks. Free WiFi is like a godsend if you don’t have an unlimited data plan or if you’re in an area with poor cell reception. How else are you going to share your beautifully cropped, eloquently filtered piece of art that was the cappuccino and Panini you had for lunch? Seriously, I’d like to know because I’ve been there. Well, an unfamiliar WiFi network is a prime way for an unscrupulous individual to grab your data and information, or send some piece of malware your way. If you don’t know who is in control of the WiFi you are about to connect to then it’s probably best to just let it go until you get back to more familiar territory.
  7. Use Bluetooth with Caution. Like WiFi, open Bluetooth connections are a great way for hackers and identity thieves to grab control of your device and its data. This even has its own fun-sounding name: bluesnarfing. However there is nothing fun about what this entails. By connecting to your device’s Bluetooth connection, one is able to retrieve information from your phone or send harmful programs to it. Thankfully today’s Bluetooth protocols have made this more and more difficult for people to pull off but that doesn’t mean you should let your guard down. Simply turning off your Bluetooth connection when you’re not using your Bluetooth-enabled headset or other devices will help minimize this risk.

Our smartphones are amazing things. The handheld communicators of Star Trek are in our pockets and purses today, but they do so much more!

Captain James T. Kirk

“Spock…can you…hear me…now?”

With a plethora of apps it’s easy to carry your virtual life in your phone. To paraphrase Spider-Man’s Uncle Ben: “With great convenience comes great responsibility.” Using your smartphone to do your banking is a perfect way to save time and energy, just be certain that you take the proper precautions.

Now excuse me, today’s the day I finally get past level 147 on Candy Crush Saga.

 

Have you ever used your smartphone for banking or to make purchase? If you have any extra security tips to share please do so in the comments below!