Mobile banking is enjoying its second coming in the retail banking industry -- but many bank executives are just now seeing its potential for deposit building. The number of cell phone users and text message subscribers has increased exponentially, giving rise to the popularity of mobile platforms -- a precursor to mobile banking adoption. Although experts predict wide adoption, the actual numbers aren't there yet. So far, most major banks offer mobile banking services, but 89% of consumers do not use their cell phones to conduct mobile banking transactions. Mobile banking can be viewed as a hook for customer acquisition, but take-down shouldn't be relied on for customer retention. This tool of convenience can complement an institution's existing offerings, but isn't appropriate for all community banks -- before joining the mobile banking bandwagon, evaluate whether it's right for your processes, personnel and customers.