Mobile Banking

The perfect balance of mobile convenience and account holder activated security features
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Mobile Banking Features

Until now, you have had to depend upon banks to conduct your banking transactions and to keep your account secure. Now, with your cell phone, you can instantly conduct banking transactions and secure your own accounts. You receive instant text messages on any transaction activity against your account, including your current account balance. Your available options on account notifications are
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Mobile Banking Features

You can be notified whenever a card not present purchase has been made (typically an
Internet, or phone purchase)

The first step to security is awareness. It is nearly impossible to take effective action if you dont know that unauthorized activity has taken place on your account until your statement has been received 30+ days later.

Mobile Banking Features

when account balance has dropped below a pre-determined level you have established

Mobile Banking Features

when a deposit or transfer has been credited to your account

Mobile Banking Features

or you can choose to receive a notification whenever any purchase is made on your card account

Mobile Banking Features

in addition to purchases, you will receive notification of any ATM withdrawals

Mobile Banking Features

Or for the ultimate in security, you can instantly disable* (toggle off) your account with your cell phone, and you can as quickly turn it back on (toggle on) when you are ready to make a purchase...
*No new purchases can be made when account is toggled off. Transfers to the account, deposits, auto-bill pay remain active.

Mobile Banking Features

You can even be notified if there is an attempted use while your card is toggled off (disabled)!

Mobile Banking Features

You can choose which of these features are right for you.

Activation can be completed online at http://wcb.rbaintl.com or by calling

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Mobile Banking Features

Account-to-Account transfers
The account-to-account transfer feature enables you to use your cell phone to instantly transfer money to other account holders, and to make purchases or payments.
These transfers can be made by typing in either the recipients cell phone number or their card account number. You can receive an instant transfer of funds to your account by simply providing the sender your cell phone number.

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Online Banking Capabilities (Top 30 Retail Bank Web Sites 7/2010)

Mobile Banking Alerts 21

Mobile Focused

Electronic Bill Presentment - eBills

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Personal Financial Management

Mobile Enhanced

Home Check Image Deposit Capture 0

Mobile Focused
5 10 15 20 25 30
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Number of Banks

Manage Your Net Worth

Personal Financial Management

Control Your Finances

Achieve Your Goals

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Bill Payment & Presentment Basic Online Banking

Electronic Bill Payment

Bill Presentment eBills

P2P & Bank Transfers

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Balance Inquiries
Account Alerts

Home Check Deposit Image Capture

Transfers
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24% 22% 19% 14%

Receive electronic Check my bank Receive bill payment coupons on my phone account balances using reminders through text from merchants I select my mobile phone alerts on my mobile that I could redeem phone

Transfer money between my bank accounts using 14 my mobile phone

Solution Attribute Solution Attribute Description Acceptance Convenience (Accessibility) Speed To Spendability Cost Risk Is the recipient willing to take it? How easy is it for the recipient to receive funds? Are both sender and recipient able to connect to the process? How soon is the recipient likely to have irrevocable use of the funds? What are the fees to the sender, the recipient, or both? How reliable is the transmission mechanism? What is chance of non-delivery?

Security
Bi-directional Currency Capability

What is chance of theft or misdirection of the payment?

Can payments be sent in reverse? Can value be delivered in different currency? How many currencies?

Solution Attribute

Solution attribute description

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Multi Channel Experience

Customer

Centric

Multi Channel Integration

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Mobile Banking Features

Subordinate card issuance and controls

A primary account holder can have subordinate cards issued in the name of the card user. Subordinate cards can be controlled by the primary, including limits of usage. The most common issuance of a subordinate account is for a minor child (13+). Parents may exercise controls over the card with instant notification of usage. Subordinate cards provide corporate expense controls for field staff or project personnel. These accounts can even be used to automate expense reporting. Now, with the Mobile Banking features, you can always know the balance on the subordinate card, and be instantly notified of any retail, Internet, or phone purchases, ATM withdrawals, and receipt of deposits and transfers.

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Mobile Banking Features

Mobile Banking blends our state-of-the art secured banking and payment technologies with mobile phones.

Now you are in control, and it wont cost you a penny!*

Which features would you like today?

* Text message carrier fees may apply
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