Text Message Banking Inquiries


Please note: You must be enrolled in online banking to use text message banking. Enroll Now


Question: What is Text Message Banking?

Answer: A service that makes it easy to access account balances and transactions, as well as transfer funds, right on your mobile phone. It works just like texting a friend. It’s the fastest and easiest way to get your account balances – anytime, anywhere.

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Question: How do I setup Text Message Banking?

Answer: Setup is as simple as 1-2-3

  • Step 1 – Log in and Activate
    Log into Online Banking and go to the Mobile Banking & Alerts page. Then find and click on the Activate button.
  • Step 2 – Verify your phone
    First make sure that you have your cell phone with you. Then enter your cell 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.


Question: How secure is Text Message Banking?

Answer: Our Text Message Banking service is secure and enrollment is completed behind the login of Online Banking. Text messages will never contain confidential information about you or your accounts, and will never contain full account numbers.


Question: Will I be charged for Text Message Banking?

Answer: We won’t charge you, but standard carrier fees for text messaging may apply. Please check with your mobile phone carrier if you have questions about any text message rates that may apply.


Question: Will Text Message Banking work on my phone?

Answer: Yes, as long as you have text messaging enabled with your mobile carrier it will work on your cellphone. Please check with your mobile carrier if you are unsure.


Question: Which carriers do you support?

Answer: Our Text Message Banking service works on all major mobile providers in the U.S. The following lists some, but not all, of the carriers that support this service:

  • AT&T
  • Alltel
  • Cellular One Dobson
  • Nextel
  • Sprint
  • T-Mobile
  • Unicel
  • US Cellular
  • Verizon Wireless
  • nTelos


Question: How do I deactivate the Text Message Banking service?

Answer: You can text STOP to us on your activated cellphone, 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 us via Text Message Banking. You can add a new mobile phone at any time if you change your mind later.


Question: Why do I need to verify my phone?

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


Question: Where do I find my activation code?

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


Question: Can I come back later to enter my activation code?

Answer: Yes you can. If you experience difficulties, we recommend that you go through the setup process again to obtain a new code.


Question: I still have not received my code, what do I do?

Answer: 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.


Question: What is a primary text banking account?

Answer: Your primary account is the default account that we will use when you text BAL to us with the short code. You should select the one you will likely want to check most often. You can get all account balances by texting BAL ALL to the short code. The primary account is also the account that funds can be transferred into when you use the TRANS (transfer) function.


Question: Can I get the balances of my other accounts?

Answer: Yes. When you text “BAL ALL” to the short code, we will reply with a message containing the balances of all your checking, savings and any other accounts.


Question: Can I change the primary account selection later?

Answer: Yes. Simply return to the mobile banking page and select another account from the primary text banking account drop-down list.


Question: What commands or keywords can be used?

Answer: Use any of the following commands/keywords:

  • BAL = Primary account balance
  • BAL ALL = All account balances
  • BAL CHK = Checking account balances
  • BAL SAV = Savings account balances
  • LAST = Last five transactions
  • TRANS $$$ = Transfer specified fund amount to primary account
  • STOP = Deactivate service
  • HELP = Help on keywords

Question: Are keywords case sensitive?

Answer: No, keywords are not case sensitive. For example, you can type “help” or “HELP.”


Question: What is the number I should use to send the keywords?

Answer: The short code is 454545. This short code will only work if you have activated the Text Message Banking Service.


Question: How long does it take to get a text message?

Answer: You’ll receive a text message response within a minute. Exact timing will depend on your mobile service carrier.


Question: Is there any password needed for Text Message Banking?

Answer: You do not need a password to access your account information via text message.


Question: I have a new mobile phone number. Can I change or add my number online?

Answer: Yes. You first need to deactivate your previous cellphone number within the mobile banking page, or text STOP to us. Then click Activate on the mobile banking page and set up the new cellphone number.


Question: Is it possible to stop the weekly account balance notifications?

Answer: Yes. Just go to the mobile banking page and click the weekly account balance notifications check box to deselect it, and then save your changes.


Question: Can I get a text alert when my primary account balance falls below a certain amount?


Question: Can I transfer funds into my primary account using my mobile phone?

Answer: Yes, if you have selected a “transfer source” account on the mobile banking page. Then, for example, texting TRANS 400 to the short code will transfer $400 to your primary account from the transfer source account. You will then receive a confirmation message with updated account balances for both accounts. Please be aware that you can only transfer funds into your primary account.


Question: I share a joint account. Can I set up two mobile phones for the same primary account?

Answer: Yes. After you set up the first number, you can select the Activate another phone link on the mobile banking page and then complete the simple two-step process.