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Arvest Mobile Banking is a fast, secure and simple way to access your accounts using your mobile phone or device. The specific type of mobile banking technology offered by Arvest uses a downloadable program (similar to downloading a ringtone or game) and has many advantages to the user:

Ease of Use

• Once installed, to enter Arvest Mobile Banking, simply select the icon from your phone. No need to open a web browser, no complicated web address to enter
• Quicker login than entering text based user-name and password
• The Arvest Mobile Banking screen is clear and easy to read. The user-friendly menus make it easy to manage your transactions
• Manage your settings, report a lost phone, or activate/deactivate your service online. No need to call the bank
• Confirmation screens assure you that your transfer or bill payment requests were submitted properly
• If you are in a cellular non-service area, you can log in and set up transactions while "offline." These transactions and bill payments will be submitted automatically when your cell service is restored

Security and Data Encryption

• When signing in, you use a 6-digit number-based PIN for security. This is much easier and quicker than entering text based user-name and password
• 128-bit encryption protects your data during information transfer
• Data transmitted with encryption built into the wireless carrier network
• Set your own 6-digit PIN, change PIN, or deactivate your PIN all from Arvest Banking On the Net
• No personal identity data stored on your phone, only what is necessary to see history, balances, etc
• Not dependent on the quality or availability of your phone's web browser