Mobile Finance Manager™ is a small downloadable program that resides directly on a user’s SmartPhone enabled mobile device. This may be a cell phone, or a Pocket PC with SmartPhone capability. It performs nearly all the functions of PC-based online banking. Members can perform the majority of tasks they would perform on CU OnLine. These include the ability to view multiple account balances simultaneously, view transaction histories, transfer funds between accounts, create graphical reports of balances and transactions, and even pay bills (future). There is also a dedicated, secure messaging program that connects directly to WSECU.