01New Chase Mobile App for Android
Chase recently updated its free mobile app for Android, and being a Chase banking customer, I opened the app on my Android phone as soon as I heard about this. What I found was an app that looked a lot better than the previous version with a cleaner display and new navigation bar. The only problem I had with the Chase app is that the keyboard covers the password box, making logging in a slightly wonky experience. I won't be surprised if this is fixed soon.
After logging in, all Chase accounts are presented individually with the current balance and with an option for checking accounts to pay bills and an option to pay loans and credit cards. Tap on the Chase logo on the upper left to open the navigation menu, where you can access accounts and these features:
The features in the navigation menu do the following tasks:
- Deposit Checks: Snap a photo of a check and enter the amount to use Chase QuickDeposit to instantly deposit the check to your checking or savings account.
- Transfer Money: Move money between your Chase accounts, for example, you could move money from your savings account to your checking account.
- Pay Bills: This requires enrollment in Chase Online Bill Pay, a feature you set up on Chase.com before you can use it with the app.
- Chase QuickPay: You can pay anyone from your Chase account if you have their email address or mobile phone number. The recipient has to have a Chase QuickPay account, or they can sign up for one when they receive your payment.
- Wire Transfer: Wire money to or from non-Chase accounts.
Get Account Alerts and Messages
You can get alerts on your Android mobile device for any of your Chase accounts. To set this up, tap on Alerts in the navigation menu, located under Connect with Chase. Then tap Manage Alerts. Tap on the account you want to set up an alert for, then choose from alerts for being overdrawn, when the balance dips below a certain amount ($300 is the default, you can change it), an online deposit has been received, an overdraft protection advance was made, or your balance is not adequate to cover checks or payments. Other options are available for credit card accounts.
The Secure Message Center option is for messages from Chase. If you have a message, you'll see a number next to Secure Message Center. For me, that number included messages i marked as read on the online banking site along with new ones, but the number adjusted after I used the mobile Message Center.
Chase Mobile App Security
The app uses strong 128-bit encryption for all data, and messages are sent encrypted from Chase, then are decrypted by the app on your phone. I mentioned earlier that you'll need to request a PIN to use the app for the first time - that's part of Chase's multifactor authentication, another security measure. The Chase app doesn't store any of your financial or personal data on your phone and other apps can't access it.
How to Start Using Chase Mobile App
You must be enrolled in Chase Online to use the mobile app. If you don't have an online banking account set up for your Chase accounts, go to Chase.com and click on the Log In or Enroll tab near the top of the screen. Once you have an online account, use the same user name and password to log in. The first time you use the app, you specify which Chase accounts you want to use with the app and you'll get instructions for requesting a PIN via phone, text message or email. You need to use that PIN to log on through the app only the first time you use the app.
The app will log you off automatically if you don't use it for 12 minutes. This is for security purposes in the event that you forget to log off and leave your mobile device out in the open, no one will be able to get into your accounts.
The app features images from your area for the background. No images came up for me, probably because I leave Location Services turned off unless I need GPS on my Android phone. The app looked sweet on its own without the local images.
You can download the Chase Mobile App for Android from Google Play (where it's highly rated by users) or text 'Android' (without quotes) to 24273 to download.
Other good banking apps to consider are those from Discover and E*TRADE. The PayPal mobile app has recently been updated and is worth downloading if you have a PayPal account.