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Blog

What Are The Risks With Mobile Banking Apps?

December 26 Categorized: Cybersecurity and Data Privacy

Mobile Banking Apps

Banks are constantly striving to find new ways to make our banking experiences more convenient; for example, many banks allow their customers to deposit checks into their personal accounts simply by taking a photo of it on their phone.  This convenience, however, comes at the price of enhanced risk for the consumer.

Depositing Checks Via Mobile Banking App

A caveat to this mobile banking capability is that it after the check is photographed and deposited, the customer is still left with the check. If the check is not disposed of properly, it is still “in play” so to speak.  An employee of Bank of America, one bank that offers this service, explained, “[a]s long as the ‘live’ check is still in existence, there is a chance that it could be negotiated more times.”

CONTACT OUR EXPERIENCED VIRGINIA CYBERSECURITY ATTORNEYS

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Proceed With Caution

In Arizona, a woman deposited a $1,500 check into her Bank of America account using the mobile app, but she didn’t dispose of the check properly after depositing it. Two months later $1,500 was taken from her account. When she contacted Bank of America to ask what happened, it told her that it couldn’t give her any information regarding the transaction. She investigated the matter herself and found out that someone found the check, signed the back (under her initial signature) and re-deposited it. This resulted in the money being taken out of her account long after she deposited it.

Clearly Mark Checks After Mobile Deposit

If you have any uncertainty as to what to do with a check after you deposit them via your mobile app, write “deposited” on it while it’s being processed and then rip it up or throw it to the shredder.  This will prevent anyone from finding the check and re-depositing it.  As to how long to keep the original check before destroying, check with your particular bank’s policies, as many of them differ as to how long they want the originals to be kept.

Contact our experienced Virginia attorneys if you have questions about cybersecurity, identity theft, and your mobile banking apps. 

Call 888-691-9319 or fill out this short form to get started. 


For related information, visit these links

Think Twice Before Saving Passwords On Your Internet Browser
What Is Synthetic Identity Theft?

Kellam T. Parks

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Parks Zeigler, PLLC
Virginia Beach Office

  • 4768 Euclid Road, Suite 103
    Virginia Beach, Virginia 23462-3810
  • 757-453-7744
  • 757-453-7578
Directions

Parks Zeigler, PLLC
Chesapeake Office

  • 524 Albemarle Drive, Suite 200
    Chesapeake, Virginia 23322-5500
  • 757-312-0211
  • 757-453-7578
Directions

Parks Zeigler, PLLC
Roanoke OFFICE

  • 25 Church Ave SW
    Roanoke, Virginia 24011-2010
  • 540-299-5299
  • 540-299-5295
Directions

Parks Zeigler, PLLC
Elizabeth City Office

  • 201 East Elizabeth Street
    Elizabeth City, NC 27209
  • 252-679-8880
  • 252-254-1380
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