FAQ - Text Banking Questions

  1. Alert Type  Processing Times 
    • High Balance
    • Low Balance
    • Payment Due
    • Payment Past Due
    • Maturity Date
    • Check Cleared
    • Large Withdrawal
    • Large Deposit

    Alerts will run once per day, between 1 p.m. and 4 p.m. CT, and may continue throughout the day.

    • Balance Update
    • Personal Reminder    
    Between 8-10 am Central Time

     

  2. Step 1: Login and Activate

    Log into Online Banking, and select "Text Banking & Alerts" within the "Additional Services" menu. Find and click the "Activate" button.

    Step 2 : Verify your phone (make sure you have it with you!)

    Enter your mobile phone number, and we'll send you a text message with a unique activation code that you'll need to enter to complete the process. (This ensures that it's your phone number and it's in your possession.) Once verified, select your preferences, and you’re done!

    Step 3 : Start texting

    Now with your phone set up, just send a text message to 454545 whenever you want, and we'll send the response right back to your phone (it's just like texting your friends!) Here's a quick list of some of the common requests you can text:

    • BAL — Current and available balances for a primary account you designate.
    • LAST — The last five transactions in your primary account.
    • BAL ALL — Current and available balances for all the accounts you have with us.

    View a demo

  3. Our Text Banking service is secure. You can activate the service only after logging into our Online Banking site. Text messages will never contain confidential information about you or your accounts. Messages will never contain full account numbers.

  4. We won't charge you, but standard carrier fees for text messaging may apply. Please check with your mobile phone carrier if you aren't sure what fees apply when you send and receive text messages.

  5. Yes it will, as long as you have text messaging enabled with your mobile carrier and use a carrier that the service supports. Please check with your mobile carrier if you are unsure.

  6. Our Text Banking service works on all major mobile providers in the U.S., including the ones listed below. However, there are many more carriers that support Text Banking.

    • AT&T
    • Alltel
    • Celluar One Dobson
    • Nextel
    • Sprint
    • T-Mobile
    • Unicel
    • U.S. Cellular
    • Verizon Wireless
    • nTelos
  7. You can text back STOP to 454545 on your activated cell phone, or you can return to the Text Banking & Alerts page and click the "Deactivate" link next to your mobile device number. Your phone will no longer receive any text messages from Text Banking. You can add a new phone at any time if you change your mind later.

  8. Verifying your phone is a one-time step and is one way we ensure the security of mobile text messaging.

  9. During setup we will send you a text message with your activation code. If you have already submitted your mobile number during setup, check your mobile device now. You should receive a text message with your activation code within a few minutes.

  10. 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.

  11. Yes, you can. If you experience difficulties we recommend that you go through the setup process again and get a new code.

  12. Your primary account is the default account that we will use when you text BAL to 454545. You should select the one you will likely want to check the most often. You can get all account balances by texting BAL ALL to 454545.

  13. Yes. When you text BAL ALL to 454545, we will reply with a message containing the balances of all your checking, savings and any other accounts.

  14. Yes, you can. Simply return to the Text Banking & Alerts page and select another account from the primary text banking account drop-down list.

  15. Use any of the following commands/keywords:

    • BAL = Primary account balance
    • BAL ALL = All account balances
    • BAL CHK = Checking account balances
    • BAL SAV = Saving account balances
    • LAST = Last 5 transactions
    • TRANS = Transfer funds to primary account
    • STOP = Deactivate service
    • HELP = Help on keywords

    Print Wallet Insert with commands.

  16. No, keywords are not case sensitive. You can type 'help' or 'HELP'.

  17. The short code is 454545. This short code will only work if you have activated the Text Banking service.

  18. You'll receive a text message response within a minute. Exact timing will depend on your mobile service carrier.

  19. You don't need a password to access your account information via text message.

  20. You can go to the Text Banking & Alerts page within Online Banking and select the "Update" button next to your mobile phone number. That will terminate the service for the mobile device. You can always return later and activate a new phone.

  21. Yes. First, you need to deactivate your cell phone from within the Text Banking & Alerts page or by texting STOP to 454545. Select the "Update" button next to your mobile phone number and set up the new mobile phone number.

  22. Yes. Text Banking offers the following alert types:

    • Low Balance – Sends alert when account balance is at or below the threshold

    • High Balance – Sends alert when account balance is at or above the threshold

    • Large Deposit – Sends an alert when deposits with amounts over the specified threshold clear

    • Large Withdrawal – Sends an alert when withdrawals with amounts over the specified threshold clear

    • Maturity Date – This alert will let users know when their investment accounts are maturing so that they can take action on the account

    • Check Cleared – Sends an alert when the specified check number has cleared the account specified

    • Loan Payment Due – Sends an alert when a loan payment is coming due

    • Loan Payment Past Due – Sends an alert when a loan payment is overdue

    • Balance Update – Sends regular updates on the account balance of the chosen account

    • Personal Reminder – Sends a specified message according to the selected frequency

    NOTE: All balance-related alerts will be sent based on the Available Balance.

     

  23. Yes. If you have selected a "transfer account" on the Text Banking & Alerts page, texting TRANS 400 to 454545 will transfer $400 to your primary account and return a message with updated account balances for both accounts. Please be aware that you can only transfer funds into your primary account.

  24. Yes, after you set up the first number you can select the "Update" button next to your mobile phone number on the Text Banking & Alerts page then complete the simple two step process.