A Federal Reserve Board report finds that use of mobile phones to access bank accounts, credit cards and other financial accounts continued to increase last year. As of December 2014, 39 percent of adults with mobile phones and bank accounts reported using mobile banking—an increase from 33 percent a year earlier. The most common use of mobile banking is to view account balances and recent transactions, followed by transferring money between accounts. Fifty-one percent of mobile banking users reported depositing a check using their mobile phones, up from 38 percent a year earlier. While the underbanked make up 14 percent of consumers, 90 percent of that group has access to a mobile phone. The unbanked make up 13 percent of consumers and 67 percent have access to a mobile phone.