What banking feature allows access to an individual's account via a smartphone or tablet?

Mobile banking specifically refers to the ability to access and manage a bank account using a smartphone or tablet. This feature provides users with a convenient platform to perform various banking activities, such as checking account balances, transferring funds, depositing checks, and paying bills, all from their mobile devices.

Unlike online banking, which typically requires access through a web browser on a computer, mobile banking is designed for mobile devices and often includes dedicated apps that enhance user experience with features optimized for smaller screens. This makes it easier and more accessible for users to handle their financial transactions on the go.

The other options do not accurately describe the feature that provides access via smartphones or tablets. Online banking generally refers to banking services accessed through a computer. Virtual banking is a broader term that may not specifically denote access through mobile devices and may include various online services. ATM banking is limited to transactions conducted at automated teller machines, which do not involve smartphone or tablet access.