Mobile Banking User s Guide

Transcription

1 First Community Bank Member FDIC 1 Mobile Banking User s Guide

2 First Community Bank Member FDIC 2 Content Dear valued First Community Customer, Mobile Banking is a new and exciting way to gain control of your finances while on the go. Based on the features and capabilities of your mobile device, First Community Bank offers three convenient methods (Text Message (SMS), Mobile Browser (XHTML) and iphone App) to access Mobile Banking. If you have questions as you are getting started with Mobile Banking, contact your personal banker or our Customer Support Center at (800) Our customer support specialists are ready to assist you Monday through Friday between 7:00 a.m. and 7:00 p.m. and on Saturdays between 8:00 a.m. and 12:00 p.m. Table of Contents I. Enrollment 3 II. Text Message Banking..4 5 III. Mobile Browser Banking IV. iphone /ipod Banking Application V. Security.. 17 VI. FAQs 18 19

3 First Community Bank Member FDIC 3 I. Enrollment Log in to Resource Online Banking and access the OTHER SERVICES tab and then select the MOBILE BANKING tab from the submenu. Read the Mobile Banking Disclaimer and click 'I Accept the Disclaimer' to continue. Enroll your mobile device by entering your login credentials, including a Mobile Login Username, Mobile PIN (Personal Identification Number) that you select, and your Mobile Number. Click the Enroll button. Look for confirmation that you've successfully initiated enrollment and you must complete the process from your mobile device. You will receive two text messages to the mobile number you have registered. In order to verify that your phone is capable of accepting text messages and to complete enrollment, you must respond to the text message that requests a response of YES. After you respond YES to the text message, you will receive one more text message. Your enrollment is then complete. After success full online banking login, please click at Other Services If you accepted the Disclamer, enroll your mobile device by entering your Login Credentials New Text Message FCB: Please text Yes to complete Mobile Banking enrollment 1 msg per query Text STOP to opt out HELP for HELP Msg&Data rates may apply New Text Message FCB: You re enabled for mobile browser banking URL: urce.com/mobile Text STOP to opt out HELP for HELP Msg&Data rates may apply New Text Message FCB: You re enabled for SMS mobile banking Send SMS requests to Text STOP to opt out HELP for HELP Msg&Data rates may apply Once you have agreed to the terms and responded Yes, you will receive the last two additional two text messages. Confirmation for Mobile Browser Banking. Confirmation for Text Message Banking. Congratulations, you are ready to use First Community s Mobile Banking!

4 First Community Bank Member FDIC 4 II. Text Message Banking Welcome to First Community s SMS based mobile banking channel. Text Message Banking is a quick and convenient way to check your account balance, transfer money and view your account history. Text Message Banking is based on command-sms which is described on the next page. All you need is a SMS compatible cell phone with a valid SIM card. Command BALANCE, BAL or B Our Text Message Number is: This number is valid for every command. SMS Commands DETAILS <Account Identifier> Example: DETAILS HISTORY, TRANSACTIONS, STATEMENT, RECENT, TRAN or LOG <Account Identifier> TRANSFER, XFER or X <amount> FROM <Account Identifier> TO <Account Identifier> HELP ALL or HELP STOP Description Returns a list of account balances linked to your mobile banking account. Returns a specified account s details such as balance, nickname and account type. Returns a specified account s last five transactions. Transfers a specified amount from one account to another. Returns a list of available help topics. Disables mobile banking access. Note: For accounts with the same number, you must identify the type of account to which you are accessing. For example: Details SV. Below is a list of account types to reference. SV Savings LN Installment Loan CD Certificate of Deposit LM Mortgage Loan CK Checking CL Commercial Loan LC Line of Credit IR Individual Retirement Account

5 First Community Bank Member FDIC 5 II. Text Message Banking 1. Balance 2. Detailed Balance 3. Account History Text BALANCE e.g. BALANCE Your response: Text DETAILS <Account #> e.g. DETAILS Your response: Text HISTORY <Account #> e.g. HISTORY Your response: New Text Message FCB: 6***0873: $ ***2070: $ Text STOP to opt out HELP for help Msg&Data rates may apply New Text Message FCB: Number 1***2070 Balance: $ Type: Check. Test STOP to opt out HELP for help Msg&Data rates may apply New Test Message FCB: 30Apr POS PRE Apr Pre-Aut Apr Payroll Apr POINT O Text STOP to opt out HELP for help Msg&Data rates may apply 4. Internal Transfers 5. Help 6. Stop Mobile Banking Text TRANSFER <Amount> FROM <Account#> TO <Account#> e.g. TRANSFER FROM TO Your response: Text HELP ALL e.g. HELP ALL Your response: Text STOP e.g. STOP Your response: New Text Message FCB: $ transferred from 1***2070 to 6***0873 Text STOP to opt out HELP for help Msg&Data rates may apply New Text Message FCB: DETAILS BAL XFER STATEMENT STOP For details text HELP <action> e.g. HELP DETAILS New Text Message FCB: What would you like to stop Text STOP followed by ALL or SMS or XHTML e.g. STOP ALL Text STOP to opt out HELP for help Msg&Data rates may apply.

6 First Community Bank Member FDIC 6 III. Mobile Browser Banking Welcome to First Community Bank s Mobile Browser Banking channel! XHTML Mobile Browser Banking allows you to perform banking functions similar to online banking, but conveniently formatted for your mobile phone or device. Mobile browser based banking is a more visual way to check your account balance, transfer money between First Community Bank accounts, pay bills, view detailed account history and locate a First Community Bank financial center or ATM through your web compatible mobile phone or device. To enter our mobile banking login, please visit: Our Mobile Banking Service is free to our customers; however, it doesn t cover your cell phone carrier s rates like text message, airtime and data rates. Please note that Text Message, Data and Airtime rates may apply. Your carrier is able to provide these rates.

7 First Community Bank Member FDIC 7 III. Mobile Browser Banking 1.Login 2. Challenge Question 2.1 Passmark Enter your Mobile Login Username and then select the Login button. Answer your PassMark question, just as you would for Online Banking and authenticate. Enter your Mobile PIN created at enrollment and select the Login button. After a successful login, your account balances displays immediately. The link Main Menu directs you to the different functions which are available. 3. Main Menu 4. Balance 4.1 Detailed Balance You may select a function from the menu provided. On the Balance screen, account balances will be displayed. Select each account to see the Detailed Balance. The Detailed Balance screen displays your account type as well as the available balance which considers entries that are presented to your account but have not posted (memo-posted items).

8 First Community Bank Member FDIC 8 III. Mobile Browser Banking 5. Transactions 5.1 Transaction History 5.2 Transaction Detail The Transactions screen allows you to view your account history. Select an account and submit. The five most recent transactions display. Select the blue highlighted links to view the transaction details. The transaction detail will be displayed. 6. Transfer 6.1 Transaction History 7. Change PIN The Transfer screen allows you to transfer money between FCB accounts; e.g. from your Checking to your Savings. Select the appropriate accounts and enter an amount to transfer. Select submit to process the transfer. A confirmation message is displayed. The Change PIN screen allows you to change your PIN. Enter your old PIN, followed by your new PIN and re-enter your new PIN to confirm. Select the Submit button.

9 First Community Bank Member FDIC 9 III. Mobile Browser Banking 7.1 PIN Confirmation 8. Bill Pay 8.1 Select If the information was entered correctly, a confirmation message is displayed. Initiate a Bill Payment by selecting the payee and then submit. Select the default "Primary Bill Pay Account, the amount and the payment date. Click on submit to process payment. 8.2 Bill Pay Confirmation 9. Location Finder by ZIP 9.1 ATM Locator You ll then receive a conformation screen. Insert a ZIP Code and choose a branch or an ATM and select the Locate button. The results will be displayed immediately and provide the ATM s address. You are also able to view a map (9.2)

10 First Community Bank Member FDIC 10 III. Mobile Browser Banking 9.2 View Map 9.3 Location Finder by Region 9.4 Branch Locator A map provided by google maps is displayed. On the Location Finder by Region screen, enter a zip code and then select the Locate button or select the Or Find by Region link. On the Branch Locator screen, enter a city and state, select Banking Centers and then select the Locate button. 9.5 Branch Locator Results On the Branch Locator Results screen, locations in the area with the operational hours and phone number will appear. For security purposes, select Log Out, once you are finished with your Mobile Banking session. Contact our Customer Support Center at (800) with any questions.

11 First Community Bank Member FDIC 11 IV. iphone Application Welcome to First Community Bank s iphone App channel! Mobile iphone App banking allows you to perform banking functions, similar to online banking, but formatted for your iphone screen. Check your account balances, make transfers, pay bills, search your transaction history, see recent activity, and more from anywhere you have mobile internet access. Once enrolled in Mobile Banking, go to the App Store on your iphone or itunes store from your computer and download the Mobile App for First Community Bank Mobile Banking. FCB Banking iphone Application Our Mobile Banking Service is free to our customers; however, it doesn t cover your cell phone carrier s rates like text message, airtime and data rates. Please note that Text Message, Data and Airtime rates may apply. Your carrier is able to provide these rates.

12 First Community Bank Member FDIC 12 IV. iphone Application 1. Start Application 2. Overview 3. Mobile Banking After successful installation, select the First Community application to start the Application. Follow Mobile Banking to login. By selecting Voice Banking you ll be forwarded to our call center. Enter your Mobile Login User name Challenge Questions 3.2 PassmarkImage / Enter PIN 4. Successful Log In / Balances Answer your PassMark question, just as you would for Online Banking and Authenticate. Enter your Mobile PIN created at enrollment and select the Login button. After a successful login, your account balances show up immediately. The link Main Menu directs you to the different functions which are available. After entering your login information correctly, your account information will be displayed. To view account details, select View.

13 First Community Bank Member FDIC 13 IV. iphone Application 5. Account Details 6. Main Menu 7. Account History The Account Details screen displays account detail information. By selecting the Menu button on the top left of the screen, the Main Menu is displayed. Select an account to view its history and then select Submit. 7.1 Transaction History 7.2 Transaction Details 8. Internal Transfers The last five transactions will be displayed. By selecting a transaction, details will be displayed (7.2). Transaction Details displayed. Select the accounts to transfer to and from and insert the amount for the internal transfer.

14 First Community Bank Member FDIC 14 IV. iphone Application 8.1 Internal Transfers 8.2 Transfer confirmation 9. Change PIN Review your transfer entry and select Submit. If information was entered correctly, a confirmation screen will appear. The Change PIN screen allows you to change your PIN. Enter your old PIN, followed by your new PIN and re-enter your new PIN to confirm. Select the Submit button Change PIN 10. Bill Pay 10.1 Select Account / Amount You ll then receive a conformation screen. Initiate a Bill Payment by selecting the payee and then submit. Select your default "Primary Bill Pay Account.

15 First Community Bank Member FDIC 15 IV. iphone Application 10.2 Select Account / Amount 10.3 Confirmation 11. Locate by ZIP Select the amount and the payment date. Click on submit to process payment. You ll then receive a conformation screen. You ll then receive a conformation screen. Enter the ZIP code, select ATMs or Banking Center and then press Locate. You are also able to start the locator trough the Main Menu or the overview Locate by ZIP 11.2 Maps 12. Locating by Region Available ATMs will be displayed. By selecting the location, a map will be displayed (11.2). The map is powered by Google Maps. Select the Or find by region button.

16 First Community Bank Member FDIC 16 IV. iphone Application 12.1 Locating by Region 12.2 Locator Results 12.3 Branch Details Enter your current city and state and then select Locate. To get more information, select your favorite branch. Details such as opening hours will be displayed. By pressing the Call button, you are able to call the branch directly (12.4); by pressing Directions button, Google Maps will appear (12.5) Call Branch 12.5 Directions 12.6 Google Maps To call the branch, press OK. The map is powered by Google Maps which shows you the directions. Google Maps shows you the directions to the branch.

17 V. Security With Mobile Banking, you can bank with complete confidence that your personal information is protected by encryption technology to prevent unauthorized access. We are also committed to protecting the privacy of your financial information. Here are a few tips to follow as additional ways to help protect your information when using Mobile Banking: Password-protect your mobile device and lock your device when it s not in use. Keep your mobile device in a safe location. Frequently delete messages from your financial institution on your mobile banking device, especially if they contain sensitive information. Never disclose personal information about your accounts via a text message, i.e. account numbers, passwords, or any combination of information that can be used to steal your identity. If you change your mobile number or lose your mobile phone, immediately contact your financial institution to change the details of your mobile banking profile. You can also update your profile for Mobile Banking within Resource Online Banking. Do not hack or modify your device, as this will leave it susceptible to infection from a virus or Trojan. When possible, install mobile banking security software on your device (if it s available). Some mobile security solutions include: AhnLab Mobile Security, avast! PDA Edition, Kaspersky Mobile Security, and Norton Smartpone Security. Be aware that malware exists and fraudulent applications will continue to pop up. Don t download applications onto your phone without checking them out first. Verify the legitimacy of an application with your financial institution before downloading it to your smartphone verify that the app publisher or seller is your financial institution, or if possible, go through your financial institution s web site to download the application. Report any banking application that appears to be malicious to your financial institution right away. Monitor your financial records and accounts on a regular basis and consider having electronic alerts on account activity sent to your or mobile device. Regularly review your statements with online banking. This will enable you to spot any suspicious activity. If you have been a victim of identity theft, contact your local financial institution immediately. You should also place a fraud alert on your credit report and continue to review your credit reports, close the accounts that you know (or believe) have been tampered with or opened fraudulently, and file a complaint with the Federal Trade Commission (FTC). Go to First Community Bank Member FDIC 17

18 First Community Bank Member FDIC 18 VI. Frequently Asked Questions Q. What is First Community Bank Mobile Banking? A. First Community Bank Mobile Banking allows anyone with Online Banking to access their eligible accounts from a cell phone or mobile device. You can check account balances, review recent account activity and transfer money between accounts 24 hours a day, 7 days a week. First Community Bank offers three ways to access your accounts: Text Message, Mobile Browser or iphone App. Q. What kind of mobile device is required for Mobile Banking? A. For First Community Bank Mobile Text, your mobile device must be capable of sending and receiving test messages. For First Community Bank Mobile Web, your mobile device must support web browsing (which usually requires a data plan as part of your service). For First Community Bank Mobile iphone App, your mobile device must be capable of running apps. Q. Are there fees to use First Community Bank Mobile Banking? A. First Community Bank's Mobile Banking is FREE; however, your wireless provider's standard text messaging and other rates may still apply. Q. How do I enroll in First Community Bank s Mobile Banking? A. Log in to Online Banking and access the OTHER SERVICES tab and then select the MOBILE BANKING tab from the submenu. Read the Mobile Banking Disclaimer and click 'I Accept the Disclaimer' to continue. Enroll your mobile device by entering your login credentials, including a Mobile Login Username, Mobile PIN (Personal Identification Number) that you select, and your Mobile Number. Click the Enroll button. Look for confirmation that you've successfully initiated enrollment and you must complete the process from your mobile device. You will receive two text messages to the mobile number you have registered. In order to verify that your phone is capable of accepting text messages and to complete enrollment, you must respond to the text message that requests a response of YES. After you respond YES to the text message, you will receive one more text message. Your enrollment is then complete. Q. What if I forgot my Resource Online Banking password? A. If you are unable to remember your Online Banking password, please contact our Customer Support Center at (800) A new password can also be requested by selecting the Forgot Your Password? link on the login screen within Resource Online Banking. Q. What if I did not receive ANY text messages after completing enrollment? A. If you have verified that the information entered during enrollment is correct and you do not receive ANY text messages within 10 minutes, Log in to Online Banking and access the OTHER SERVICES tab and then select the MOBILE BANKING tab from the submenu. Click on the 'Un-enroll' button and then send a SMS text message to (E.g. Text, Hello). This action will register your mobile number with the vendor. If accepted, you will receive a reply of 'Invalid SMS Text Messages'. Once you receive the text message response, complete the enrollment form and click 'Enroll'. You will then receive two text messages to the mobile number you have registered. In order to verify that your phone is capable of accepting text messages and to complete enrollment, you must respond to the text message that requests a response of YES. After you respond YES to the text message, you will receive one more text message. Your enrollment is then complete. Q. What does SMS mean? A. SMS stands for Short Messaging Service. It is also known as text messaging. Q. How many text messages will I receive daily? A. Once you complete the enrollment form, you will receive two text messages to the mobile number you have registered. After you respond YES to the text message, you will receive one more text message. Thereafter you will receive a message in response to each SMS request you submit. Q. What number do I send text commands to? A. First Community Bank's short code is Send all text /SMS mobile banking requests to this number.

19 First Community Bank Member FDIC 19 VI. Frequently Asked Questions Q. Is there a password needed for Text Banking? A. You don t need a password to access your account information via text message, but your phone must be registered as authorized to use the service. Q. What text commands can I use with First Community Bank's Mobile Banking? A. Note: all SMS commands are not case-sensitive. BALANCE, BAL or B Returns a list of account balances linked to your mobile banking account. DETAILS <Account Identifier> Example: DETAILS Returns a specified account s details such as balance, nickname and account type. HISTORY, TRANSACTIONS, STATEMENT, RECENT, TRAN or LOG <Account Identifier> Returns a specified account s last five transactions. TRANSFER, XFER or X <amount> FROM <Account Identifier> TO <Account Identifier> Transfers a specified amount from one account to another. HELP ALL or HELP Returns a list of available help topics. STOP Disables mobile banking access. Q. Do I always have to capitalize my text commands? A. No. Text commands are not case sensitive. Sending "help" or "HELP" or "Help" are all permitted. Q. How do I opt out of First Community Bank's Mobile Banking? A. To opt out of Mobile Banking, text the following command to : STOP Q. What if I change my mobile device s phone number? A. If your mobile device phone number changes, you will need to log in to Resource Online Banking and update the phone number. Q. What if my mobile device is lost or stolen? A. First Community Bank will never send full account numbers or other personal information via First Community Bank Mobile Banking. If your mobile device is lost or stolen, report it immediately to your mobile carrier. Then you should immediately log in to Online Banking from your computer and disable mobile access. You can always enable mobile access if you recovered your mobile device. Q. Can I add Bill Payment payees through my Mobile Banking? A. No, new Bill Payment payees must be added within Online Banking. Once they are added in Online Banking, the payee will appear in Mobile Banking. Q. What if I forgot my Mobile Banking PIN? A. If you have forgotten your Mobile Banking PIN, you will need to log in to Online Banking and change your PIN and then attempt your login through your mobile device again. Q. What if I forgot my Mobile Banking username? A. If you have forgotten your Mobile Banking username, you will need to log in to Online Banking and change your username and then attempt your login through your mobile device again. Q. Who can I contact if I have any questions? A. Customer Support can be reached at (800) Note: All SMS commands are not case-sensitive.

20 First Community Bank Member FDIC 20