You must have an internet cell or a smartphone to use mobile banking. You represent that you are the owner or authorized user of the wireless device you use to receive test messages. If you have a mobile internet browser and internet access from your phone, you can probably use mobile banking. A list of wireless devices and operating systems compatible with the Bank`s mobile banking services can be www.cathaybank.com viewed. Your mobile phone must support WAP (Wireless Application Protocol) 2.0 or higher, the international standard for applications using wireless communication. Most phones support WAP today. .