In an attempt to increase their customer base and reduce costs, financial institutions constantly look for new and better delivery channels for their services. As customers demand faster, and convenient services; financial institutions turn to new technologies to expand their customer relationships to compete with other financial service providers. This project work provides a convenient mobile service for bank customers to transact business with their financial institution with the use of their mobile phones, taking into cognizance the vital issue of security. JAXWS (Java API for XML web server) was used to develop the application as the front-end engine, while Microsoft server 2008 and MySQL were used as the back-end engine using the WEP protocol concept and Julius ceaser cipher text. Java 2ME (J2ME or Midlet) is used to develop the application that controls a small computing device. In this project work, a simulated cell phone is used as interface between the customer and the server (financial institution’s database).