Mobile banking usage continues to advance in the US, with fully 39% of adults “with mobile phones and bank accounts” using mobile banking, up from 33%, the Federal Reserve reported today.

This is the Fed’s fourth annual review of mobile banking in the nation.

Here’s an excerpt from the report:

As of December 2014, 39 percent of adults with mobile phones and bank accounts reported using mobile banking–an increase from the 33 percent a year earlier. The most common use of mobile banking remains checking account balances or recent transactions. Transferring money between accounts is the second-most common mobile banking activity. More than half of mobile banking users received an alert from their financial institution through a text message, push notification, or e-mail–making this the third most common use of mobile banking.

RDC usage, meanwhile, increased to 51% of bank consumers, up from 38% the year previous. And 22% of the mobile banking users reported making a mobile payment, which is up from 17% in 2013.