What is Mobile Banking?

Mobile Banking allows anyone with an online banking account to access their account information from a mobile phone.

Mobile Banking offers three ways to access your accounts; subject to the access method offered by your financial

institution.

• Send a text message.

• Use a mobile browser on your phone.

• Download an application to your phone.

You can choose any or all of these options, depending on the capabilities of your mobile phone and the access method

offered by your financial institution. You can also receive text alerts on your phone.

Text Messaging Service

mobile phones are capable of sending and receiving text messages, so your phone is most likely compatible with Mobile

Banking. Please note that some mobile service carriers charge for outgoing text messages or for each message sent and

received.

A few service carriers are blocking the Mobile Banking service. If your carrier is not one of the major U.S. carriers (AT&T,

Sprint, T Mobile®, U.S. Cellular®, and Verizon Wireless), you may want to check with your carrier to make sure you can

use the service. All major U.S. carriers, and most secondary ones, support the Mobile Banking service.

Mobile Browser Service

You can use the mobile browser service to:

• Check your account balances.

• Review recent account activity.

You can download the Mobile Banking application to your phone if offered by your financial institution. The application

offers all the features of the mobile browser service.

Requirements

To download the Mobile Banking application, your phone must have an operating system that supports application

downloads and may require a data services plan. You download the Mobile Banking application from a link that we send

you during registration.

Alerts Service

You can receive automatic alerts with information about your accounts if your financial institution supports this

functionality. For example, we can send you an alert when your account balance goes below a threshold amount. You

can receive alerts on your mobile phone or at - mail address.

• Encryption—We use 128-bit encryption for all transactions.

• Fraud Detection—We incorporate mechanisms such as transaction validation and transaction reconciliation

processes to detect fraud.

• Auditability—We provide full audit capabilities through event logs and event-based reporting.

• No Identifiable Information—We don't return any personally identifiable information in a text message, such as

your full account number, e-mail address, or personal address. We never ask for or include your user ID or

password in any message we send.

No. We don't save any files with your personal or financial information on your phone. That information stays strictly

within online banking.

For some phones, such as a BlackBerry, we have logo and branding files that we copy to your phone. Those files do not

which accounts you want to access.

How current is the account and transaction information?

When you view your account balance, you see the current available balance. When you view transaction history, you see

the most recently posted transactions. We don't show any pending transactions.

Can I add more than one mobile phone?

To add a new phone, go to online banking and access the Mobile Banking pages. On the My Phones page, select Add

What if my phone number changes?

page, find the old phone number and select the option Change my phone number.

Which phones can I use for Mobile Banking?

We support hundreds of models for these major brands: iPhone, BlackBerry, HTC, LG, Motorola, Nokia, Pantech,

Samsung, Sanyo, and Sony Ericsson. We support phones on a number of different operating systems, including (but not

limited to) Android, Blackberry, iOS, Symbian, Windows Mobile, Linux, Palm webOS, and Maemo.

Mobile Banking works on all major mobile service carriers in the U.S.: AT&T, Sprint, T Mobile®, U.S. Cellular®, and

Verizon Wireless. Mobile Banking also works on a number of the smaller service carriers, including (but not limited to)

Boost Mobile, Cricket Wireless, Metro PCS, Pioneer Cellular, Union Wireless, and Virgin Mobile USA.

I have a prepaid plan. Can I use Mobile Banking?

o How do I get started with Mobile Banking?

o Do I have to agree to the Terms and Conditions to use Mobile Banking?

o Can I register multiple users to the same phone?

o I received my activation code but never used it. What should I do?

o I haven't received the activation code on my mobile phone. What should I do?

How do I get started with Mobile Banking?

You can register for Mobile Banking through your online banking service. Be sure to turn on your mobile phone and make

You can also call Member Services to assist you with the registration process.

Yes, you must read and accept our terms and conditions. If you have any questions about the points of our terms and

conditions, call Member Services.

For security reasons, only one user can register per phone. However, once you complete the registration process, you

can add more phones to your account.

I received my activation code but never used it. What should I do?

Your activation code expires 24 hours after we send it to you. However, you can always request a new activation code.

Go to online banking and access the Mobile Banking pages. On the My Phones page, find the phone number and select

• Request a new activation code. Go to online banking and access the Mobile Banking pages. On the My Phones

with a new activation code.

If you're still having problems with the activation code, call Member Services for assistance.

o What are alerts?

o What is the difference between the text messaging service and the alerts service?

o How do I stop receiving alerts?

information any time from your mobile phone. We send text message responses to your phone.

The alerts service sends automatic notices to your mobile phone with information about your accounts. For example, we

can send you an alert when your account balance goes below a threshold amount. You choose which alerts you want,

and we'll send the alerts based on the time zone selected in your Mobile Banking profile.

If you've registered your phone to receive alerts, you automatically have access to the text messaging service. Alerts are

only available if your financial institution offers this feature.

How do I stop receiving alerts?

To stop receiving alerts on your phone, text STOP to short code.

What are the text messaging keywords and how do I use them?

I received my results in multiple messages. Some arrived quickly, but others didn't. Why did it

If you receive one message, it means we've sent all the response messages to you, and you should receive them shortly.

It may take a few minutes to receive them all, depending on your mobile service. If you haven't received all your

messages after a few minutes, please let us know. If the problem persists, you may want to contact your mobile service

carrier.

messages?

Your mobile service carrier may be blocking short codes, or you may have blocked short codes in your phone options.

digits, we use to send Mobile Banking messages.) Check your phone options and then contact your mobile service

o When I click the link for the Mobile Banking website nothing happens. What should I do?

To use Mobile Banking's browser service, you must:

• Have an online banking account.

• Have a mobile phone that supports web browsing.

• Have a wireless data plan with your mobile service carrier.

• Register for Mobile Banking and select the mobile browser service.

Mobile Banking is optimized for a wide range of phones—providing a rich and interactive interface on touch screen

phones, such as the iPhone and Android, while maintaining a simple and clean interface for a wide range of phones from

If you can't find the message that we sent during registration with the unique URL for Mobile Banking, you can request

another message. Go to the My Phones page in online banking, find the phone number, and select the option Get a link

Every mobile phone and mobile network is different, so you may not be able to click on a link in a text message.

Try these troubleshooting tips:

• Open the text message and click Send or Go on your phone to access the website URL. Then click the address

to go directly to the website.

• Open the text message and write down your unique website URL. Type the URL in your phone's web browser to

go directly to the website.

If you still can't access the Mobile Banking website, please contact your mobile service carrier.

o When I click the link to download Mobile Banking nothing happens. What should I do?

What do I need to download the Mobile Banking application?

To download the Mobile Banking application, you must:

• Have an online banking account.

• Have a mobile phone that supports downloaded applications.

• Have a wireless data plan with your mobile service carrier.

• Register for Mobile Banking and select the downloadable application service.

Mobile Banking is optimized for iPhones, BlackBerries, and many other types of phones. However, some carriers don't

support application downloads to certain types of phones. If you have any problems downloading Mobile Banking, check

with your carrier to make sure it is supported on your phone.

Touch Banking in the App Store without attempting to register, the download won't work.

Download Touch Banking as you would any other application from the App Store. After you download and install the

application, we send you a text message with an activation link. Click the link to launch the application and go to the

Login page.

I can't find my link to download Mobile Banking. What should I do?

If you can't find the message that we sent during registration with the download link for Mobile Banking, you can request

another message. Go to the My Phones page in online banking, find the phone number, and select the option Download

Every mobile phone and mobile network is different, so you may not be able to download Mobile Banking to your phone.