Banks or financial institutions offer a variety of financial services for personal or business accounts, as well as insurance services. Banks offer services from the teller which offers many different financial transactions; to back offices where insurance and account information is provided. Customers can also visit banks or their mobile services to obtain non-financial transaction services such as change of address or change of bank details. Some examples of banking institutions are Bank of America, Wells Fargo and Chase. These institutions offer a mobile application to their customers. A mobile application is a form of software that offers limited or isolated functionality. In this case, banks provide the mobile application features of their services at the convenience of consumers on mobile devices. Banks look for any opportunity to reach their current customers; market and advertise their products to attract the attention of new customers as well. Mobile devices have become a widespread phenomenon globally. In the technology industry, there are many devices such as phones, tablets, and computers. These devices offer a multitude of services including mobile applications. According to the Board of Governors of the Federal Reserve, its 2014 Consumer and Mobile Financial Services Survey showed that eighty-seven percent of the U.S. adult population owns a mobile phone. This study shows that the majority of people own a mobile device. The banking industry took advantage of such information and created mobile applications for its services. Some of the services featured on their mobile apps are: Account access to check the balance of any open account, track all posted or pending transactions, transfer balances between accounts, make check deposits, pay bills and many others.