Many devices have the ability to access local Wi-Fi spots for the Internet, but if you're on a public network, your data may not be secure, Watson says.
Use your mobile provider's network instead. If you're in an area where that's not possible, use a password-protected, closed Wi-Fi network -- perhaps one in your own home, Watson says.
If you're in doubt about how secure your network is, it may be best to skip mobile banking tasks until you can get in a more secure environment, she says.