Yuneidy Riápira

Online Banking

I use online banking because it represents the best way to manage my accounts. It gives me the
following benefits:

1. Reduce time when doing your financial operations: you only need to connect from your home,
office or from a mobile to perform any activity in your accounts. A study by the Mexican Internet
Association (AMIPCI) recorded a 5% increase in people who have a product or banking service
compared to 2011.

2. Do procedures where you want and whenever you want: you can use your computer (or your
smartphone, with some banks), you only have to access the internet to check your account status,
transfer money and make payments. In general, mobile banking services are free, only consider
that you can generate charges depending on the cellular company you belong to and the type of
plan you have hired.

3. You can perform several banking operations: movements, credit card payments, balance
inquiries, interbank CLABE, service payments, airtime recharge and transfers between your own
accounts. Technology can facilitate your financial obligations. According to specialists, 20% of
people access banking through the Internet using mobile devices.

4. Take control of your account payments: Do not waste any more time on visits to the bank! With
online banking, in addition to avoiding printed account statements, you can pay your bills and
keep all your payment records in one place and very easy to find. If you wish, you can also
schedule automatic payments using your debit or credit card, such as the payment of basic water,
electricity and telephone services.

5. Ask for alerts that notify you of movements: online banking helps you to know how you are
managing your money and your bank accounts. You can ask your bank if it allows you to include
alerts to know what you are doing with your money and avoid generating interest for late
payments. Alerts can notify you when you have to make moves, pay an account or when they
have made a deposit.

6. Security in the management of your money: The security of your operations is supported by
your username and password (which you can constantly change), but also by the token, it is a
numeric code that changes every 60 seconds and that you must also enter to connect to Internet
banking.
Yuneidy Riápira