A mobile banking system and method quickly and securely provides current financial account balances to mobile electronic devices. A bank server electronically receives, from a mobile electronic device, a username and a request to receive at least one current financial account balance while the user is not fully logged-in. Full log-in typically requires receipt and validation of both the username and an associated password. The bank server first validates the username against stored user credentials, and only if the username is valid, proceeds to validate registration of the mobile electronic device sending the username. Registration is validated by verifying that a serial number from an authentication seed previously stored on the sending mobile electronic device matches its stored expected value. If the registration is valid, the bank server obtains data for the at least one current financial account balance and sends the data to the mobile electronic device.
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