Almost every bank now has some form of mobile banking. This was designed with the customer in mind. Mobile banking allows customers to view their account activity, make deposits with one click, as well as make transfers and pay bills. The deposit feature is interesting because now an individual no longer needs to go to the bank or ATM to deposit a check. Thanks to a bill passed by Congress, consumers can take a photo of a check with their smartphone and deposit it immediately, from virtually anywhere (ABA.com, 2014). Another convenient feature of mobile banking is bill payments. A consumer has the ability to connect all their creditors to their account and they can choose who they pay, how much they pay and