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News: Even Romance Doesn’t Stop People from Mobile Banking -

Hair behaving? No wardrobe malfunctions? Teeth lipstick-free? Those could be the things your date is checking when she excuses herself to use the ladies’ room. According to a recent survey from Chase, people are using their smartphones for mobile banking more and more these days –even when they’re on a date.

Here are the places people are checking their account balances and doing other mobile banking, from the Chase mobile banking survey:

• At work – 54%

• At restaurants – 39%

• On the check-out line at a store– 38%

• During their coffee break – 37%

• On their commute – 28%

• While waiting to pick kids up from school – 24%

• On a date – 17%

• During client meetings – 10%

Thirty-three percent of consumers in the survey said they’d used a mobile banking app more frequently over the last year, while 35% made more use of online banking in the last year. Only 16% said they visited a bank branch in person more often over the past year. Overall, 70% of those surveyed used online banking last year, and 47% used mobile banking, either via smartphone or tablet.

Millennials make the most use of banking apps

When broken down by generation, Millennials were more likely to use mobile banking apps than either Gen Xers or Baby Boomers. Sixty-seven percent of Millennials had used a mobile banking app in the last year, compared with 55% of Gen Xers and 33% of Baby Boomers. Seventy-eight percent of the youngest demographic had used their bank’s website, while 75% of Gen Xers and 67% of Boomers had done the same.

Checking a balance is more common than actually using the app to transfer money or send funds to family or friends, even for the young set. Only 26% of Millennials had used mobile banking apps to transfer funds, and 21% had sent money to friends or family via mobile banking. However, even this was more common among the youngest generation. Only 19% of Gen Xers and eight percent of Boomers had transferred funds using an app, and 12% of Gen Xers and 5% of Boomers had sent money using their phone or tablet.

Using ATMs for more than just cash

Besides using their phones to check balances, people are increasingly employing ATMs to glance at their accounts. No longer just used as cash dispensers, ATMs are being used to transfer money and deposit checks. Thirty-three percent of Millennials said they are actually using ATMs more now than they were a year ago, in addition to taking advantage of mobile banking apps. Sixteen percent of Generation Xers and 10% of Baby Boomers said they found themselves using ATMs more frequently over the past year.

The Chase mobile banking survey was conducted via phone from May 19 through 25, 2015, and included a nationally representative sample of 1,502 Americans ages 18 and over.