AT&T (NYSE: T) will preload a banking application onto its handsets, a move which is intended to make the icon easy to find by users. It has also added banks Wachovia and SunTrust to the service, which already includes BancorpSouth, FirstBank, Synovus, and financial institutions Regions Financial Corporation, America First Credit Union and Arvest Bank Group. The service is provided by Firethorn and will let customer of those banks (and AT&T) view account balances and history, transfer funds and pay bills. Last month Verizon (NYSE: VZ) also announced it would preload the Firethorn banking application on its handsets. With mobile banking services there isn’t much benefit with exclusivity—no-one is going to change their bank or their carrier to get mobile banking (well, an insignificant number may change) so carriers need to offer access to the most number of banks, and banks need to get deals with all the carriers.