Only 13% of 408 credit card users polled recently said they were aware of mobile banking, according to the results of a survey Auriemma Consulting Group Inc. conducted in April. Only 8% of respondents had used a mobile-banking service. Auriemma, which is based in Westbury, N.Y., defines mobile banking as "the ability to access your banking relationships remotely, most typically using a mobile phone, to contact a lender's mobile-banking Web site." Typical mobile-banking functions include the ability to check balances, make payments or review recent transactions, according to the consulting firm. The results of the survey, which were released last month, show 87% of respondents have never been encouraged by their credit card issuer to use mobile banking, while 9% said they have been encouraged to use mobile banking by the bank that holds their primary checking account. Two percent said their primary credit card issuer has encouraged them to use mobile banking, the survey results show. "Right now, it is still in the 'nice to have' category," but mobile banking is not a necessity for most consumers, Meghan Bramlette, Auriemma managing editor, tells CardLine. Age plays a role in whether consumers want to use mobile banking, Bramlette says. The survey found that 58% of respondents younger than 45 say banks should offer checking-account access through mobile devices compared with 38% of older respondents. Consumer desire for mobile banking will grow as mobile commerce grows, Bramlette says. As mobile phones add more noncalling functions, consumers will rely on them for functions other than placing calls, she notes. That will lead to an more desire for mobile banking, she says.