Q: What is Mobile Banking?
A: Mobile Banking allows anyone with a Personal Online Banking account to access information from a mobile phone. Mobile Banking offers three ways to access your accounts:
• Send a text message
• Use a mobile browser on your phone
• Download an application to your smart phone
You can choose any or all of these options, depending on the capabilities of your mobile phone.
Q: Is Text Banking secure?
A: To ensure the safety and privacy of your account information, we provide some key security features:
• Unique Activation Code – We send you a unique activation code to verify your phone number. This code associates your mobile phone with your account. This verification also lets you know your mobile phone number has been successfully registered in our system.
• Authentication – You are authenticated for every transaction with Mobile Banking.
• Encryption – We use 128-bit encryption for all transactions.
• No Identifiable Information – We don’t return any personal identifiable information in a text message, such as your full account number, e-mail address, or personal address. We do not ask for or include your username or password in any messages we send.
Q: How do I get started with Mobile Banking?
A: You can register for Mobile Banking through your Personal Online Banking account on the computer, by accessing our website via Mobile Browser, or by downloading our application from the iTunes or Google Play Store.
If registering from your Personal Online Banking account on the computer, be sure your mobile phone is close by and is ready to receive a text message. We will send you a text message with a unique activation code to verify your phone number. This code associates your mobile phone with your account. To complete registration, enter the activation code that we send you. This verification lets you know your mobile phone number has been successfully registered in our system. You can choose which services you want to use, as well as which accounts you want to access.
Q: Are there fees to use Mobile Banking?
A: We don’t charge fees to access or use Mobile Banking. You should contact your mobile service carrier for information about fees associated with sending or receiving text messages or accessing the internet from your mobile device as message and data rates may apply.
Q: How current is the account and transaction information?
A: When you view your account balance, you see the current balance. When you view transaction history, you see the most recently posted transactions and pending transactions.
Q: Which accounts can I access through Mobile Banking?
A: You can access any accounts you’ve set up in Personal Online Banking. When you register for Mobile Banking on the computer, you can choose which accounts you want to access on your mobile device.
Q: What if my phone is lost or stolen?
A: If your mobile phone is lost or stolen, no one can access your account without knowing your password. To prevent unauthorized access to your account, you can deactivate your phone from Mobile Banking. Log into Personal Online Banking on the computer and access the Mobile Banking pages. On the My Devices page, find the phone number and select the option to STOP USING THIS DEVICE FOR MOBILE BANKING.
Q: Which phones are supported for Mobile Banking?
A: Virtually any cell phone can use the SMS service, even many prepaid cell phones. As long as the phone is capable of sending and receiving SMS text messages (and the service plan supports text messaging), account balances and transaction histories are available. Message and data rates may apply.
Phones with internet access and a browser that supports the xhtml pages can use Mobile Browser services. Mobile Browser services require no phone based software beyond a compatible web browser.
Users of smart phones (Apple iPhones® or Android phones) also have the option of downloading a full feature APP that takes advantage of the enhanced features found in the device.
Q: How do I disable my phone from access to my Mobile Banking account?
A: You can disable your mobile banking account, or individual phone, through your Personal Online Banking account. Simply access the My Devices area of the Mobile Banking page. Find the phone number and select the option to STOP USING THIS DEVICE FOR MOBILE BANKING.
Q: Can I deposit checks using Mobile Banking?
A: Yes, you can deposit a check into your checking account via our mobile app (available for iPhone and Android devices).