To get started, if you haven’t already, sign-up for mobile banking online. You can probably do this from your phone’s web browser, but it might be easier if you log-in to the Chase web site from a computer. (Maybe it’s just me, but I find that punching in passwords and security codes from my phone gets tedious.)

The first time you log-in to the app, you’ll receive your security code via text message. This is the code you’ll use each time you sign-in. After you have received your security code, you can view your account balance, pay bills, pay credit cards, transfer funds, and locate the nearest branch or ATM.

The feature that sets this app apart from all other banking apps, however, is Chase’s “Quick Deposit” feature. To deposit a check, snap a photo of both the front and back sides of the check to deposit it into your account. This could save you both a trip to the bank and waiting in a long line.

The way the app is set up makes it easy to navigate, even for someone who has little experience using mobile banking programs. There are three tabs that you can click on: “Log On,” which is where you log into your bank account; “Contact Us,” in which the app gets you directly connected to all of the various types of banking services by phone; and “Find ATM/Branch,” which lets you know where the nearest of each is located. When you’re searching for nearby ATMs and branches, not only will the address and distance pop up, but there is also an option that gives you a map or walking directions. Drive-up hours and lobby hours are also listed here.

Chase Mobile appears to be very safe to use. It doesn’t store your password information, so you must sign-in every single time you want to access your account. Five incorrect attempts at opening your information will result in your account being locked. I have had experience in dealing with lousy mobile banking apps that lock up after three attempts. Sometimes, errors while inputting data weren’t necessarily my fault, and I would be locked out of my own bank account. Five seems like the perfect number.

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