Frequently Asked Questions


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

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Will I be charged for Text Message Banking?
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.
Will Text Message Banking work on my phone?
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.
Which carriers do you support?
Our Text Message 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 Message Banking.
  • AT&T
  • Alltel
  • Celluar One Dobson
  • Nextel
  • Sprint
  • T-Mobile
  • Unicel
  • U.S. Cellular
  • Verizon Wireless
  • nTelos
How do I deactivate the Text Message Banking service?
You can text back STOP to 454545 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 Text Message Banking. You can add a new phone at any time if you change your mind later.
Why do I need to verify my phone?
Verifying your phone is a one-time step and is one way we ensure the security of mobile text messaging.
Where do I find my activation code?
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.
I still have not received my code, what do I do?
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.
Can I come back later to enter my activation code?
Yes you can. If you experience difficulties we recommend that you go through the setup process again and get a new code.

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What is a primary text banking account?
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.
Can I get the balances of my other accounts?
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.
Can I change my primary account selection later?
Yes you can. Simply return here to the Mobile Banking & Alerts page and select another account from the primary text banking account drop-down
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 = Saving account balances
  • LAST = Last 5 transactions
  • TRANS = Transfer funds to primary account
  • STOP = Deactivate service
  • HELP = Help on keywords
Are keywords case sensitive?
No, keywords are not case sensitive. You can type 'help' or 'HELP'.

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What is the number I should send keywords to?
The short code is 454545. This short code will only work if you have activated the Text Message Banking Service.

How long does it take to get a text message?
You'll receive a text message response within a minute. Exact timing will depend on your mobile service carrier.
Is there any password needed for Text Message Banking?
You don't need a password to access your account information via text message.
What should I do if I lose my phone?
You can go to the Mobile Banking & Alerts page within internet banking and select the Deactivate link that's 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.
I have a new mobile phone number. Can I change my number online?
Yes - you first need to deactivate the old cell phone from within the Mobile Banking & Alerts page or by texting STOP to 454545. Then click Activate on the Mobile Banking & Alerts page and set up the new cell phone number.

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Is it possible to stop the weekly account balance notifications?
Yes. just go to the Mobile Banking & Alerts page and click the weekly account balance notifications check box to deselect it. Then save your changes.

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Can I get a text when my primary account balance falls below a certain amount?
Yes - first you'll need to go to the Mobile Banking & Alerts page and make sure the checkbox is selected then enter a dollar amount into the text field (e.g., $50, minimum is $50) and save your changes. Thereafter, you'll get a low balance alert text whenever your primary account balance falls below that dollar amount.
Can I transfer funds into my primary account using my phone?
Yes - if you have selected a 'transfer source' account on the Mobile 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.
Can I get a text when a large payment clears my primary account?
Yes - first you'll need to go to the Mobile Banking & Alerts page and make sure the checkbox is selected then enter a dollar amount into the text field (e.g., $200, minimum is $100) and save your changes. Thereafter, you'll get a high payment alert text whenever a payment from your primary account balance exceeds the specified dollar amount.
Can I get a text when a large deposit clears my primary account?
Yes - first you'll need to go to the Mobile Banking & Alerts page and make sure the checkbox is selected then enter a dollar amount into the text field (e.g., $500, minimum is $100) and save your changes. Thereafter, you'll get a high deposit alert text whenever a deposit into your primary account balance exceeds the specified dollar amount.

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I share a joint account. Can I set up two phones for the same primary account?
Yes, after you set up the first number you can select the Activate another phone link on the Mobile Banking & Alerts page and then complete the simple two step process.