A programmed mobile computing device for personal banking for a user, the programmed mobile computing device comprising:
- a touch screen interface;
- at least one memory unit that stores data, the data comprising user bank account data, wherein the user bank account data comprises, for a personal checking account of the user at a bank:
- a routing number for the bank associated with the user's personal bank checking account;
- an account number for the user's personal bank checking account;
- check data that comprises, for each check written from the personal bank checking account over the time period, (i) a check dollar amount, (ii) a date, and (iii) a payee;
- and
- deposit data that comprises, for each deposit to the personal bank checking account over the time period, (i) a deposit dollar amount, and (ii) a date;
- at least one processor in communication with the at least one memory and the touch screen interface;
- a mobile telecommunications transceiver in communication with the at least one processor, wherein the mobile telecommunications transceiver is for sending and receiving wireless communications via a mobile telecommunications network;
- and
- a local network transceiver in communication with the at least one processor, wherein the local telecommunications transceiver is for sending and receiving wireless communications via a local data network, and
- wherein the at least one processor is programmed to:
- display on the touch screen interface upon a request from the user a current account dollar balance for the personal bank checking account of the user, wherein the current account dollar balance for the personal bank checking account is determined by the at least one processor based on transaction data stored in the at least one memory, wherein the transaction data comprises check data and the deposit data for the personal banking account;
- transmit, via the local data network, data for a new check written by the user from the personal bank checking account at a point-of-sale location upon initiation of a point-of-sale check request by the user via the touch screen interface, wherein the transmitted data for the new check comprises (i) the routing number for the for the bank associated with the user's personal bank checking account, (ii) the account number for the user's personal bank checking account, and (iii) the check dollar amount, and wherein the routing number and the account number are not displayed on the touch screen interface when the user inputs data via the touch screen interface to issue the new check from the user's personal bank checking account;
- and
- update activity for the checking account with transaction data received from a remote bank computer server system via the mobile telecommunications network, wherein the remote bank computer server system stores account data of the bank for the personal bank checking account of the user, including the transaction data for the personal banking account, to update the check and deposit data stored in the at least one memory of the device with the account data for the personal bank checking account of the user stored at the remote bank computer server system.