If you’re stuck on how to handle some of the practical aspects of online banking, here are answers to common questions.
SHOULD I SAVE MONTHLY STATEMENTS?
Experian, one of the three major credit bureaus, recommends keeping bank statements for tax purposes to confirm your income or deductible expenses. If you do end up using your statements for your taxes, you may want to hang onto your statements for up to seven years in case the IRS decides to audit you. Even if your bank keeps digital records of your statements, you may want to print or download your statements just in case.
WHEN SHOULD I SHRED THE PAPER CHECK FROM A MOBILE DEPOSIT?
Major banks recommend that after you’ve made a mobile deposit, you write “mobile deposit” and the date of deposit on the front of the check. Keep the check until you’ve made sure the deposit has gone through — which may take several days — and that the bank doesn’t need the original check for any reason. Once the check has been cleared in your account, it’s best to shred it.
HOW DO I SEND MONEY OR PAY BILLS THROUGH MY MOBILE BANKING APP?
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RANSOMWARE ATTACK ON SOFTWARE SUPPLIER DISRUPTS OPERATIONS FOR STARBUCKS AND OTHER RETAILERS
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