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Mobile devices such as smartphones and tablets have changed how many of us shop, communicate and bank.

I read a recent study which reported that 73 percent of Internet users have used online banking in the past 3 months and that 35 percent have used mobile banking.

While the growth in online banking adoption has slowed in recent years, mobile banking use, in contrast, has doubled since 2011. Just 18 percent of cellphone owners reported that they used mobile banking in 2011, a figure that jumped to 35 percent in the latest study.

This explosion in mobile banking use is not surprising. Mobile devices have become ubiquitous and their utility has changed how many of us shop, communicate and navigate. This behavioral change has extended to banking as well, as today’s mobile apps allow you to check balances, transfer funds, pay bills, deposit checks, find our nearest location and contact us with the click of a button. With all of this convenience in the palm of your hand, it’s no wonder that so many people have embraced mobile banking.

Middleburg Bank introduced our mobile banking app for iPhones, iPads and Android smartphones last summer and the adoption of this new technology has been explosive. Since its launch, nearly 4,000 people have downloaded the mobile app. We enhanced the app in December and added the ability to deposit checks into your account simply by taking a picture of it. Since adding that feature, our clients have deposited over 7,500 checks worth nearly $4 million using their smartphones.

We know that security is one of our clients’ top concerns when it comes to online and mobile banking so we work with industry experts to ensure a safe and secure environment. None of your financial data is ever stored on the mobile device.  The most you can store on the device is your Username.  The mobile banking app is simply an access channel to our secure Digital Banking data centers, where your information is protected with state-of-the-art security.

In the unlikely event that you lost your phone or had it stolen, the person in possession would not be able to do anything that would take money out of your account.  The mobile banking app only allows users to transfer money between their own accounts at Middleburg Bank or pay a bill to an existing Payee that was created within Online Banking.

If you have not downloaded our free mobile app for your iPhone, iPad or Android device, I encourage you to give it a try. It’s secure, convenient and easy to use. With the app on your phone or tablet, you can take Middleburg Bank with you wherever you go.

As always, if you have any suggestions to make your banking experience with Middleburg Bank even better, please send me an email at

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