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[quote=jsteele]The answer to all of your questions is "it depends".

If you downloaded the apps directly to your phone and used 3G rather than wifi, that would have used data. Many, but far from all, applications will connect to the Internet during use. If you are connected by wifi when that occurs, it will not use part of your data plan. Otherwise, it will.

With iOS 5, Apple introduced iMessages. iMessages are the same as text messages except they can only go to other iOS 5 users. iMessages will use your data plan. Text messages use the 3G connection and will not use your data plan. However, you either have to have a text messaging plan with your carrier or will be charged individually for them. The only way to tell iMessages from test messages is the color of the background in the Messages app. One is blue and other other is green.

FaceTime requires that both sides of the conversation are connected by wifi. Moreover, FaceTime requires that the wifi networks have a number of ports open. As a result, the time in which all factors are correctly aligned seem to be rather few.

Assuming that you are using a well-designed banking application -- and the one with which I am familiar are -- it will be secure to check your bank balance. If you are using MobileSafari to check your balance, that is just as secure as doing it from a computer.

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