SMS is a simple way of accessing your bank account but it incurs texting charges. In case you have a smartphone and a regular data connectivity or even Wi-fi access, you can opt for a mobile banking application that will give you access to a host of services, thus eliminating the need to visit your bank physically. The regular set of services offered by most of the banks include fund transfer within and outside the bank, interbank mobile payment service, enquiry service, cheque book request, demat enquiry service, bill payments (including utility bills, credit card, insurance premium), mobile top up and other online transactions. Some of the private banks even offer special services such as stop cheque requests, opening of fixed or recurring deposits, etc. While most public- sector banks like State Bank of India, Bank of Baroda, Oriental Bank of Commerce, etc, have apps compatible with Java- enabled phones, a few private banks also have applications for smartphones, that is for the iphone and Android devices.