Almost all banks now have some form of mobile banking. This was designed with the customer in mind. Mobile banking allows customers to view activity in their accounts, make one-click deposits, as well as transfers and bill payments. The deposit feature is attractive, as now an individual no longer has 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, virtually anywhere (ABA.com, 2014). Another convenient feature of mobile banking is bill payment. A consumer has the ability to link all his creditors to his account and can choose who to pay, how much to pay and