title = "Online and Mobile Banking"

content = """
Digital banking channels provide 24/7 account access and self-service capabilities.
Supporting customers through digital adoption and troubleshooting enhances
satisfaction while reducing branch traffic.

**Online Banking Platform:** Silvergate's web-based banking supports account
inquiry, transfers, bill pay, statement access, and account management. Compatible
with all major browsers. Session timeout after 10 minutes of inactivity for
security. Supports multiple account linking for customers with personal and
business accounts.

**Mobile App Features:** The Silvergate mobile app provides core banking
functions plus mobile check deposit, card management, travel notifications, and
biometric login (fingerprint or facial recognition). Available for iOS and
Android. App ratings average 4.7 stars with regular updates for security and
functionality.

**Enrollment Process:** First-time users enroll with account number, Social
Security Number, and email verification. Create unique username and strong
password meeting complexity requirements. Multi-factor authentication required
for enrollment and certain high-risk transactions.

**Mobile Check Deposit:** Customers photograph checks using mobile device cameras.
Endorsement must include "For mobile deposit only at Silvergate" signature.
Daily limit $5,000; monthly limit $20,000. Funds availability: first $200
available next business day, remainder following standard hold periods based on
account history and check amount.

**Person-to-Person Payments:** Integrated Zelle service allows instant transfers
to other bank accounts using email or mobile number. Daily limit $2,500;
monthly limit $10,000. Transfers are immediate and irreversible, making
verification of recipient information critical.

**Account Alerts:** Customers can configure push notifications, text messages,
or emails for various account events: low balance thresholds, large
transactions, failed login attempts, and payment due dates. Alerts help prevent
overdrafts and detect unauthorized activity early.

**Troubleshooting Common Issues:** Forgotten passwords can be reset through
self-service with email verification. Locked accounts after failed login
attempts unlock automatically after 30 minutes or through identity verification.
App crashes typically resolve with device restart or app update. Browser
issues often clear with cache clearing or trying alternative browser.

**Security Best Practices:** Advise customers to enable biometric login,
avoid public Wi-Fi for banking, never share login credentials, and verify
app authenticity by downloading only from official app stores. Remind
customers that Silvergate will never request passwords or full card numbers
via email or phone.
"""  # noqa: E501

version = "0.0.1"
