By Libby Wells, Bankrate.com

Mobile banking is how a majority of Americans manage their money. But it’s also a growing target for fraud. The good news: when done right, it can actually be safer than swiping your debit card at a store.

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Here’s what experts say about how to keep your money — and your data — safe, plus how to choose banks that prioritize your security.

In short, yes — if you’re smart about it.

“If you download the mobile app from a secure store, that is just as safe as visiting a bank branch,” says Paul Benda, senior vice president for operational risk and cybersecurity at American Bankers Association.

Banks use high-end encryption and multi-factor authentication to protect your data. In many ways, your phone is your most secure bank branch — but only if

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