What is Mobile Banking?

Transcription

1 What is Mbile Banking? Mbile Banking allws anyne with an nline banking accunt t access their accunt infrmatin frm a mbile phne. Mbile Banking ffers three ways t access yur accunts; subject t the access methd ffered by yur financial institutin. Send a text message. Use a mbile brwser n yur phne. Dwnlad an applicatin t yur phne. Yu can chse any r all f these ptins, depending n the capabilities f yur mbile phne and the access methd ffered by yur financial institutin. Yu can als receive text alerts n yur phne. Text Messaging Service Yu can use the text messaging service t: Requirements Check yur accunt balances. Review recent accunt activity. If ffered by yur financial institutin; Find ATM and branch lcatins. T use the text messaging service, yur phne must send and receive text messages t and frm a shrt cde. Mst mbile phnes are capable f sending and receiving text messages, s yur phne is mst likely cmpatible with Mbile Banking. Please nte that sme mbile service carriers charge fr utging text messages r fr each message sent and received. A few service carriers are blcking the Mbile Banking service. If yur carrier is nt ne f the majr U.S. carriers (AT&T, Sprint, T Mbile, U.S. Cellular, and Verizn Wireless), yu may want t check with yur carrier t make sure yu can use the service. All majr U.S. carriers, and mst secndary nes, supprt the Mbile Banking service. Mbile Brwser Service Yu can use the mbile brwser service t: Requirements Check yur accunt balances. Review recent accunt activity. Transfer mney between accunts. If ffered by yur financial institutin; Find ATM and branch lcatins. T use the mbile brwser service, yur phne must have an Internet brwser and may require a data services plan. Yu access the Mbile Banking website frm a link that we send yu during registratin. Dwnladable Applicatin Yu can dwnlad the Mbile Banking applicatin t yur phne if ffered by yur financial institutin. The applicatin ffers all the features f the mbile brwser service. Requirements T dwnlad the Mbile Banking applicatin, yur phne must have an perating system that supprts applicatin dwnlads and may require a data services plan. Yu dwnlad the Mbile Banking applicatin frm a link that we send yu during registratin. Alerts Service

2 Yu can receive autmatic alerts with infrmatin abut yur accunts if yur financial institutin supprts this functinality. Fr example, we can send yu an alert when yur accunt balance ges belw a threshld amunt. Yu can receive alerts n yur mbile phne r at - mail address. Is Mbile Banking secure? T ensure the safety and privacy f yur accunt infrmatin, we prvide sme key security features in Mbile Banking: Unique Activatin Cde We send yu a unique activatin cde t verify yur phne number. This cde assciates yur mbile phne with yur accunt. This verificatin als lets yu knw yur mbile phne number has been successfully registered in ur system. Authenticatin Yu are authenticated fr every interactin with Mbile Banking. Encryptin We use 128-bit encryptin fr all transactins. Fraud Detectin We incrprate mechanisms such as transactin validatin and transactin recnciliatin prcesses t detect fraud. Auditability We prvide full audit capabilities thrugh event lgs and event-based reprting. N Identifiable Infrmatin We dn't return any persnally identifiable infrmatin in a text message, such as yur full accunt number, address, r persnal address. We never ask fr r include yur user ID r passwrd in any message we send. Is my persnal r financial infrmatin stred n my phne? N. We dn't save any files with yur persnal r financial infrmatin n yur phne. That infrmatin stays strictly within nline banking. Fr sme phnes, such as a BlackBerry, we have lg and branding files that we cpy t yur phne. Thse files d nt cntain any persnally identifiable infrmatin. Are there fees t use Mbile Banking? Yu shuld cntact yur financial institutin r mbile service carrier fr infrmatin abut fees assciated with sending r receiving text messages r accessing the Internet frm yur mbile phne. Which accunts can I access in Mbile Banking? Yu can access any accunt yu've set up in nline banking. When yu register fr Mbile Banking, yu can chse which accunts yu want t access. Hw current is the accunt and transactin infrmatin? When yu view yur accunt balance, yu see the current available balance. When yu view transactin histry, yu see the mst recently psted transactins. We dn't shw any pending transactins. Can I add mre than ne mbile phne? Yes. Yu can register several mbile phnes fr Mbile Banking. T add a new phne, g t nline banking and access the Mbile Banking pages. On the My Phnes page, select Add New Phne. What if my phne number changes? If yur mbile phne number changes, g t nline banking and access the Mbile Banking pages. On the My Phnes page, find the ld phne number and select the ptin Change my phne number.

3 What if my phne is lst r stlen? If yur mbile phne is lst r stlen, n ne can access yur accunt withut knwing yur passwrd, and, in sme cases, yur unique user name. T prevent unauthrized access t yur accunt, yu can deactivate yur phne in Mbile Banking. T deactivate Mbile Banking n yur phne, g t nline banking and access the Mbile Banking pages. On the My Phnes page, find the phne number and select the ptin Stp using this phne fr Mbile Banking. Which phnes can I use fr Mbile Banking? We supprt hundreds f mdels fr these majr brands: iphne, BlackBerry, HTC, LG, Mtrla, Nkia, Pantech, Samsung, Sany, and Sny Ericssn. We supprt phnes n a number f different perating systems, including (but nt limited t) Andrid, Blackberry, ios, Symbian, Windws Mbile, Linux, Palm webos, and Maem. Which mbile service carriers supprt Mbile Banking? Mbile Banking wrks n all majr mbile service carriers in the U.S.: AT&T, Sprint, T Mbile, U.S. Cellular, and Verizn Wireless. Mbile Banking als wrks n a number f the smaller service carriers, including (but nt limited t) Bst Mbile, Cricket Wireless, Metr PCS, Pineer Cellular, Unin Wireless, and Virgin Mbile USA. I have a prepaid plan. Can I use Mbile Banking? Mbile Banking wrks with mst prepaid plans, but we cannt guarantee that yur carrier supprts standard U.S. shrt cdes. T-Mbile prepaid des nt supprt shrt cdes s yu wn't be able t use the SMS text message service f Mbile Banking with T-Mbile prepaid. Hw d I stp using Mbile Banking n my phne? T stp using Mbile Banking n yur phne, g t nline banking and access the Mbile Banking pages. On the My Phnes page, find the phne number and select the ptin Stp using this phne fr Mbile Banking. Registratin Questins Hw d I get started with Mbile Banking? D I have t agree t the Terms and Cnditins t use Mbile Banking? Can I register multiple users t the same phne? I received my activatin cde but never used it. What shuld I d? I haven't received the activatin cde n my mbile phne. What shuld I d? Hw d I get started with Mbile Banking? Yu can register fr Mbile Banking thrugh yur nline banking service. Be sure t turn n yur mbile phne and make sure it's ready t receive text messages. When yu register fr Mbile Banking, yu can chse which: Services yu want t use. Accunts yu want t access. During registratin, we send yu a text message with a unique activatin cde t verify yur phne number. This cde assciates yur mbile phne with yur accunt. T cmplete registratin, enter the

4 activatin cde that we send yu. This verificatin lets yu knw yur mbile phne number has been successfully registered in ur system. Yu can als call Member Services t assist yu with the registratin prcess. D I have t agree t the Terms and Cnditins t use Mbile Banking? Yes, yu must read and accept ur terms and cnditins. If yu have any questins abut the pints f ur terms and cnditins, call Member Services. Can I register multiple users t the same phne? Fr security reasns, nly ne user can register per phne. Hwever, nce yu cmplete the registratin prcess, yu can add mre phnes t yur accunt. I received my activatin cde but never used it. What shuld I d? Yur activatin cde expires 24 hurs after we send it t yu. Hwever, yu can always request a new activatin cde. G t nline banking and access the Mbile Banking pages. On the My Phnes page, find the phne number and select the ptin Get new activatin cde. We'll send yu a text message with a new activatin cde. I haven't received the activatin cde n my mbile phne. What shuld I d? Check the mbile phne number yu entered during registratin. If it is crrect, here are sme ther ptins fr reslving the issue: Verify that yur mbile phne is n and able t receive text messages. Check with yur mbile service carrier if yu're nt sure yu can receive text messages. Cntact yur mbile service carrier and make sure yur phne can send and receive messages t and frm a standard U.S. shrt cde. Request a new activatin cde. G t nline banking and access the Mbile Banking pages. On the My Phnes page, find the phne number and select the ptin Get new activatin cde. We'll send yu a text message with a new activatin cde. If yu're still having prblems with the activatin cde, call Member Services fr assistance. Alert Questins What are alerts? What is the difference between the text messaging service and the alerts service? Hw d I stp receiving alerts? What are alerts? Yu can set up alerts t ntify yu when select activity ccurs n yur accunts. Fr example, we can send yu an alert when yur accunt balance ges belw a predetermined threshld amunt, such as $50. Yu can receive alerts n yur mbile phne r at an address if this feature is ffered by yur financial institutin. What is the difference between the text messaging service and the alerts service?

5 The text messaging service allws yu t request accunt balances, transactin histry, and ATM and branch lcatin infrmatin any time frm yur mbile phne. We send text message respnses t yur phne. The alerts service sends autmatic ntices t yur mbile phne with infrmatin abut yur accunts. Fr example, we can send yu an alert when yur accunt balance ges belw a threshld amunt. Yu chse which alerts yu want, and we'll send the alerts based n the time zne selected in yur Mbile Banking prfile. If yu've registered yur phne t receive alerts, yu autmatically have access t the text messaging service. Alerts are nly available if yur financial institutin ffers this feature. Hw d I stp receiving alerts? T stp receiving alerts n yur phne, text STOP t shrt cde. Text Messaging Service Questins (if applicable) What d I need t use the text messaging service?. Why are my Mbile Banking text messages cming frm shrt cde? What is a shrt cde? What d yu mean when yu say "standard messaging charges may apply"? Where d I send my text messages? What are the text messaging keywrds and hw d I use them? Are the keywrds case-sensitive? What des a typical request and respnse lk like? What shuld I d if I dn't get a respnse t a request? Can I send a keywrd via ? Why are my results sent as multiple messages? I received my results in multiple messages. Sme arrived quickly, but thers didn't. Why did it take s much lnger fr the thers t arrive? I have text messaging enabled n my mbile phne. Why can't I receive Mbile Banking text messages? What d I need t use the text messaging service? T use Mbile Banking's text messaging service, yu must: Have an nline banking accunt. Have a mbile phne that supprts SMS text messaging and shrt cdes. Register fr Mbile Banking and select the text messaging service. Why are my Mbile Banking text messages cming frm shrt cde? Yu receive all Mbile Banking text messages frm shrt cde. T make it easier t recgnize ur text messages, add us t yur cntact list with the shrt cde shrt cde. What is a shrt cde? A shrt cde is a shrtened versin f a phne number. A shrt cde is generally five r six numbers in length. Five-digit shrt cdes range frm t 99999; six-digit shrt cdes range frm t Yu can send and receive text messages frm a standard U.S. shrt cde as well as a traditinal phne number.

6 What d yu mean when yu say "standard messaging charges may apply"? Every mbile service carrier has a different rate plan fr text messaging and data services access. Yu may be charged per use, r pay a flat rate fr unlimited usage each mnth. Yu may als have different fees fr text messaging and data services access. Please cntact yur mbile carrier directly if yu aren't sure what fees yu will be charged t use Mbile Banking. Where d I send my text messages? Send all text messages t shrt cde. What are the text messaging keywrds and hw d I use them? Keywrds are the text messages yu send t request accunt infrmatin r ATM and branch lcatins. Accunt Balance Requests Keywrds: B, BAL, BALANCE, BALANCES Check the balances fr all accunts yu've registered in Mbile Banking. If yu've registered accunts frm mre than ne financial institutin, enter the financial institutin's identifier befre the keywrd. Fr example: ABCU BAL. Transactin Histry Requests Keywrds: STMT, TRAN, HIST (accunt nickname) Check the mst recently psted transactins f the accunt yu specify with the accunt nickname. Fr example, TRAN SAV1. If yu've registered accunts frm mre than ne financial institutin, enter the financial institutin's identifier befre the keywrd. Fr example: ABCU HIST SAV1. Keywrds: NEXT, MORE If yur transactin histry respnse message ends with "Reply NEXT" text NEXT r MORE t view mre transactins. ATM and Branch Lcatin Requests Keywrds: ATM, BRANCH, BOTH (address) Find ATMs, branch lcatins, r bth near an address that yu specify if yur financial institutin ffers this feature. Yu can enter: ZIP Cde City and ZIP Cde City and State Street, City, and State. Fr example: ATM ANYWHERE OH. If yu've registered accunts frm mre than ne financial institutin, enter the financial institutin's identifier befre the keywrd. Fr example: ABCU BOTH Keywrds: NEXT, MORE If yur ATM and branch lcatin respnse message ends with "Reply NEXT" text NEXT r MORE t view mre lcatins. Help Requests Keywrds: HELP, HLP

7 Prvides infrmatin abut the Mbile Banking keywrds. Stp Requests Keywrds: STOP, END, CANCEL, UNSUBSCRIBE, STOP ALL Stp receiving Mbile Banking alerts. Text: STOP BNKG t cancel banking alerts. STOP MKTG t cancel marketing alerts. STOP ALL t stp all alerts. If yu've registered accunts frm mre than ne financial institutin, enter the financial institutin's identifier befre the keywrd. Fr example: ABCU STOP ALL. Are the keywrds case-sensitive? N. Whether yu type "BAL" r "bal" we send a respnse with yur accunt balance infrmatin. What des a typical request and respnse lk like? Balance Request Sample Request bal Sample Respnse ABCU Mbile Banking :59 *1254 CHK1 $3, *5764 CHK2 $2, *4254 SAV1 $14, Reply STOP t cancel. Transactin Histry Request Sample Request TRAN CHK1 Sample Respnse ABCU Mbile Banking TRAN CHK : PMT -$ WDL -$ DEP $ Reply NEXT. Msg&Data rates may apply What shuld I d if I dn't get a respnse t a request? Make sure yu're sending text messages t shrt cde. Check the keywrd and any additinal infrmatin required fr the request, such as the financial institutin's identifier, accunt nickname, r address. Can I send a keywrd via ? N, keywrds and text messages are nt supprted using . The tw-way feature f ur text messages wrks nly with mbile phnes.

8 Why are my results sent as multiple messages? Text messages are limited t 160 characters. Smetimes we can't send all yur accunt infrmatin in ne message because it exceeds the character limit. In this case, we send yur accunt infrmatin in multiple messages n mre than five at a time. I received my results in multiple messages. Sme arrived quickly, but thers didn't. Why did it take s much lnger fr the thers t arrive? If yu receive ne message, it means we've sent all the respnse messages t yu, and yu shuld receive them shrtly. It may take a few minutes t receive them all, depending n yur mbile service. If yu haven't received all yur messages after a few minutes, please let us knw. If the prblem persists, yu may want t cntact yur mbile service carrier. I have text messaging enabled n my mbile phne. Why can't I receive Mbile Banking text messages? Yur mbile service carrier may be blcking shrt cdes, r yu may have blcked shrt cdes in yur phne ptins. Yu must have shrt cdes enabled t use Mbile Banking. (Shrt cdes are abbreviated phne numbers, usually five digits, we use t send Mbile Banking messages.) Check yur phne ptins and then cntact yur mbile service carrier t ensure they aren't blcking shrt cdes. Mbile Brwser Service Questins (if applicable) What d I need t use the mbile brwser service? Hw d I access the Mbile Banking website? I can't find my link t the Mbile Banking website. What shuld I d? When I click the link fr the Mbile Banking website nthing happens. What shuld I d? What d I need t use the mbile brwser service? T use Mbile Banking's brwser service, yu must: Have an nline banking accunt. Have a mbile phne that supprts web brwsing. Have a wireless data plan with yur mbile service carrier. Register fr Mbile Banking and select the mbile brwser service. Mbile Banking is ptimized fr a wide range f phnes prviding a rich and interactive interface n tuch screen phnes, such as the iphne and Andrid, while maintaining a simple and clean interface fr a wide range f phnes frm a diverse set f manufacturers such as BlackBerry, Mtrla, Nkia, Samsung, and Sany. Hw d I access the Mbile Banking website? During registratin we send yu a unique website address (URL) that is intended nly fr yu. The website URL will nly wrk n the phnes yu've registered in Mbile Banking. Be sure t bkmark this address in yur phne's web brwser s yu can easily return t it. I can't find my link t the Mbile Banking website. What shuld I d?

9 If yu can't find the message that we sent during registratin with the unique URL fr Mbile Banking, yu can request anther message. G t the My Phnes page in nline banking, find the phne number, and select the ptin Get a link t the Mbile Banking website. When I click the link fr the Mbile Banking website nthing happens. What shuld I d? Every mbile phne and mbile netwrk is different, s yu may nt be able t click n a link in a text message. Try these trubleshting tips: Open the text message and click Send r G n yur phne t access the website URL. Then click the address t g directly t the website. Open the text message and write dwn yur unique website URL. Type the URL in yur phne's web brwser t g directly t the website. If yu still can't access the Mbile Banking website, please cntact yur mbile service carrier. Dwnladable Applicatin Service Questins (if applicable) What d I need t dwnlad the Mbile Banking applicatin? Hw d I dwnlad Mbile Banking t my phne? Hw d I dwnlad Mbile Banking t my iphne? I can't find my link t dwnlad Mbile Banking. What shuld I d? When I click the link t dwnlad Mbile Banking nthing happens. What shuld I d? What d I need t dwnlad the Mbile Banking applicatin? T dwnlad the Mbile Banking applicatin, yu must: Have an nline banking accunt. Have a mbile phne that supprts dwnladed applicatins. Have a wireless data plan with yur mbile service carrier. Register fr Mbile Banking and select the dwnladable applicatin service. Mbile Banking is ptimized fr iphnes, BlackBerries, and many ther types f phnes. Hwever, sme carriers dn't supprt applicatin dwnlads t certain types f phnes. If yu have any prblems dwnlading Mbile Banking, check with yur carrier t make sure it is supprted n yur phne. Hw d I dwnlad Mbile Banking t my phne? Fr BlackBerries and mst ther phnes, yu can dwnlad Mbile Banking directly t yur phne. During registratin we send yu a link t dwnlad the applicatin. Click the link t initiate the dwnlad. When the dwnlad is cmplete, yu'll g t the Lgin page. Yu'll als see Mbile Banking n yur launch page. Hw d I dwnlad Mbile Banking t my iphne? During registratin, we send yu a unique link t the App Stre where yu can dwnlad Tuch Banking. If yu find Tuch Banking in the App Stre withut attempting t register, the dwnlad wn't wrk.

10 Dwnlad Tuch Banking as yu wuld any ther applicatin frm the App Stre. After yu dwnlad and install the applicatin, we send yu a text message with an activatin link. Click the link t launch the applicatin and g t the Lgin page. I can't find my link t dwnlad Mbile Banking. What shuld I d? If yu can't find the message that we sent during registratin with the dwnlad link fr Mbile Banking, yu can request anther message. G t the My Phnes page in nline banking, find the phne number, and select the ptin Dwnlad the applicatin. When I click the link t dwnlad Mbile Banking nthing happens. What shuld I d? Every mbile phne and mbile netwrk is different, s yu may nt be able t dwnlad Mbile Banking t yur phne. If yu're having truble, cntact yur mbile service carrier t make sure yur phne supprts applicatin dwnlads.