If you’ve ever found yourself saying, “I’d rather go into the branch — online banking just feels risky,” you’re definitely not alone.

A lot of older adults feel a bit uneasy about online or mobile banking. It’s something new, it can feel unfamiliar, and it often seems like a big responsibility. But here’s the silver lining: online banking is actually much safer than many people realize, especially if you follow a few simple precautions.

Let’s jump in and tackle some of the most common worries about digital banking. We’ll break things down in straightforward terms, share easy safety tips, and guide you on how to keep your money safe — whether you prefer banking online, in person, or a mix of both.

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1. “Online Banking Is Just Too Risky.”

Reality: Online banking is built with layers of protection to help keep your money and personal information safe.

Things like:

  • Encrypted websites (look for a lock icon near the URL)
  • Password and PIN protection
  • Text or phone code verification (called “two-step login”)
  • Real-time alerts if anything looks suspicious

If something ever goes wrong or doesn’t feel right, you can always call your local branch for help.

2. “I’m Not Tech-Savvy — I’ll Mess Something Up.”

Reality: Digital banking is designed to be simple, even for people who don’t use technology much.

All in just a few clicks, you can:

  • Check your balance
  • Pay a bill
  • Transfer money
  • Deposit a check (by taking a photo)

If you ever need help, Sun Canyon Bank’s team in Sun City and Sun City West is happy to walk you through it with no pressure or judgment.

3. “If I Lose My Phone Or Computer, Someone Will Steal My Money.”

Reality: Your money doesn’t live on your device, because it stays safe in your bank account.

Even if you lose your phone or tablet:

  • Your account is still password protected
  • Most apps require a PIN, Face ID, or fingerprint
  • You can call us to lock your account right away

4. “Paper Feels Safer Than Screens.”

Reality: Paper can be lost, stolen, or even delivered to the wrong address. With online banking, you can check your account securely anytime and set up alerts to let you know when money goes in or out of your account.

It also means:

  • No waiting for the mail
  • No paper clutter
  • No risk of your statement sitting in an open mailbox

Easy Ways To Stay Safe With Digital Banking

You don’t need to be a tech expert to protect your finances. Here are a few simple habits that can keep you safe online and offline:

Online Safety:

  • Use a password that’s hard to guess — not your birthday or pet’s name
  • Don’t share your password with anyone
  • Look for the lock symbol and “https://” in your browser
  • Don’t click on suspicious emails or texts — when in doubt, call your bank
  • Always log out of your account when you’re done

Device Safety:

  • Use a PIN or fingerprint to lock your phone or tablet
  • Avoid using public Wi-Fi to access your bank account
  • Keep your phone or computer updated

Offline Protection:

  • Shred sensitive documents before throwing them away
  • Review your statements regularly
  • Call your bank right away if something seems off

Need More Help? Check Out Our Security Tips

Frequently Asked Questions

How Do I Get Started With Online Banking?

You can stop by your local Sun Canyon Bank branch and someone will help you set it up step by step in person or you can register online yourself here: Sun Canyon Bank Secure Online Self-Registration

What If I’m Not Very Tech-Savvy?

That’s okay. Our team is happy to walk you through things step by step — either in person or over the phone. You don’t need to be a computer expert to use online banking.

Can I Still Come Into The Bank If I Use Online Banking?

Of course – we love in-person customer interaction. Online banking is just an extra option, not a replacement.

Can I Use Online Banking On A Tablet Or iPad?

Yes. Our online banking works on most tablets and smartphones. If you’re more comfortable with a bigger screen, a tablet is a great option.

Is Mobile Check Deposit Safe?

Yes. It’s a secure way to deposit checks from home using a photo and your bank never stores the photo on your phone.

Can I Access Online Statements?

Yes. Once you're signed up for online banking, you'll automatically receive your statements online. Whenever you want to check your statement, just log into your Digital Banking account, click on “Documents” in the main menu, and then select “Statements”.

Can I Download My Online Banking Transactions?

Yes. You can save your transactions in several formats, including QuickBooks, Quicken, CSV (.csv), PDF (.pdf), Word (.doc), and BAI2 (if your software supports it).

Can I Set Up Alerts For My Accounts?

Definitely. You can customize alerts to stay on top of your account activity, from balance updates to transaction notifications.

How Do I Manage My Accounts Or Set Up Transfers?

You can do all that easily through your customizable dashboard.

Does Online Banking Cost Anything?

No. This service is free. There are no fees to use our Online Banking services.

When Will My Transactions Show Up In My Account?

Transactions are typically posted on the same business day, depending on the type and time of the transaction.

What If I Make A Mistake Online?

Don’t worry — just give us a call. We’ll help you fix it.

What If I Forget My Password?

You can reset it easily through the login screen or call us for help.

Common Online Terms Glossary

  • App: A small program on your phone or tablet
  • Password: A secret code only you know, so keep it safe
  • Secure Site: A website that protects your information (look for the lock symbol and “https”)
  • Deposit: Adding money to your account
  • Transfer: Moving money from one account to another
  • MFA (Two-Step Login): A second layer of protection using a code only you will receive

Helpful Resources

Online Banking Is Safer And Easier Than You Think

We understand that digital banking can feel unfamiliar. Once you give it a try, most people find it much easier and more convenient than they expected. Remember, you’re never on your own.

At Sun Canyon Bank, our team is happy to sit down with you, answer your questions, and help you feel comfortable every step of the way. Visit our Sun City or Sun City West branches, or call us to ask questions — no pressure, just support.

Call Or Visit Us Today