How secure is Text Message Banking?
Will I be charged for Text Message Banking?
Will Text Message Banking work on my phone?
Which carriers do you support?
How do I set up Text Message Banking?
How do I deactivate the Text Message Banking service?
Why do I need to verify my phone?
Where do I find my activation code?
Can I come back later to enter my activation code?
I still have not received my code, what do I do?
What is a primary text banking account?
Can I get the balances of my other accounts?
Can I change the primary account selection later? Yes.
Are keywords case sensitive?
What is the number I should use to send the keywords?
How long does it take to get a text message?
Is there any password needed for Text Message Banking?
I have a new mobile phone number. Can I change or add my number online?
Is it possible to stop the weekly account balance notifications?
Can I get a text alert when my primary account balance falls below a certain amount?
Can I transfer funds into my primary account using my mobile phone?
I share a joint account. Can I set up two mobile phones for the same primary account?
Our Text Message Banking service is secure and enrollment is completed within Internet Banking. Text messages will never contain confidential information about you or your accounts, and will never contain full account numbers.
We won’t charge you, but standard carrier fees for text messaging may apply. Please check with your mobile phone carrier if you have questions about any text message rates that may apply.
Yes, as long as you have text messaging enabled with your mobile carrier it will work on your cell phone. Please check with your mobile carrier if you are unsure.
Our Text Message Banking service works on all major mobile providers in the U.S. The following lists some, but not all, of the carriers that support this service:
- Cellular One Dobson
- US Cellular
- Verizon Wireless
You can only enroll in Text Message Banking through your online banking profile. Login to Online Banking and navigate to Additional Services, then to Alerts & Notifications and look for Text Message Banking.
You can text STOP to us on your activated cell phone, or you can return to the mobile banking page and click the Deactivate link next to your mobile device number. Your phone will no longer receive any text messages from us via Text Message Banking. You can add a new mobile phone at any time if you change your mind later.
Verifying your phone is a one-time step and is one way we ensure the security of mobile text messaging.
During setup we will send you a text message with your activation code. If you have already submitted your mobile number during setup, please check your mobile device now. You should receive a text message with your activation code within a few minutes.
Yes you can. If you experience difficulties, we recommend that you go through the setup process again to obtain a new code.
It might take several minutes to receive your code. If you feel you have waited long enough, you can click the Resend it link. Please check your mobile device shortly for a new text message. If you are still experiencing problems, be sure you entered in the correct mobile number during setup.
Your primary account is the default account that we will use when you text BAL to us with the short code. You should select the one you will likely want to check most often. You can get all account balances by texting BAL ALL to the short code. The primary account is also the account that funds can be transferred into when you use the TRANS (transfer) function.
Yes. When you text "BAL ALL" to the short code, we will reply with a message containing the balances of all your checking, savings and any other accounts.
Yes, simply return to the Text Message Banking page and select another account from the primary text banking account drop-down list.
What commands or keywords can be used? Use any of the following commands/keywords:
- BAL = Primary account balance
- BAL ALL = All account balances
- BAL CHK = Checking account balances
- BAL SAV = Savings account balances
- LAST = Last five transactions
- TRANS $[fund amount] = Transfer specified fund amount to primary account
- STOP = Deactivate service
- HELP = Help on keywords
No, keywords are not case sensitive. For example, you can type “help” or “HELP.”
The short code is 454545. This short code will only work if you have activated the Text Message Banking Service.
You'll receive a text message response within a minute. Exact timing will depend on your mobile service carrier.
You do not need a password to access your account information via text message.
Yes. You first need to deactivate your previous cell phone number within the Text Message Banking page, or text STOP to us. Then click Activate on the Text Message Banking page and set up the new cell phone number.
Yes. Just go to the Text Message Banking page and click the weekly account balance notifications check box to deselect it, and then save your changes.
Yes. First, go to the Text Message Banking page, select the low balance alert checkbox and select a dollar amount from the drop-down field (e.g., $200). Thereafter, you will receive a low-balance alert text whenever your primary account balance falls below this specified dollar amount.
Yes, if you have selected a “transfer source” account on the Text Message Banking page. Then, for example, texting TRANS 400 to the short code will transfer $400 to your primary account from the transfer source account. You will then receive a confirmation message with updated account balances for both accounts. Please be aware that you can only transfer funds into your primary account.
Yes. After you set up the first number, you can select the Activate another phone link on the Text Message Banking page and then complete the simple two-step process. Data plan not required. Standard text messaging charges apply.