What is Mobile Banking?

Mobile Banking allows you to perform transactions using a mobile device. For example, you can access your account balances and review most recent account activity from the convenience of your mobile device.

Are there different “ways” to Mobile Bank?

Mobile Banking consists of three different ways to bank: Text Banking, banking using a Mobile Website on a cell phone (“Mobile Web”), and banking using a downloadable App on your Smartphone (“Mobile App”). Apps are available for iPhone®, Blackberry®, and AndroidTM devices.

What are the things I can’t do in Mobile Banking that I’ll have to go to Online Banking to do?

  • Register your phone number for added security
  • Customize your account nicknames
  • Choose which accounts appear in Mobile Banking
  • Add an email account for alerts

Which accounts can I use/view with Mobile Banking?

You can use your savings, checking, and loan accounts in Mobile Banking. You may also be able to view Savings Certificates and Retirement accounts.

How do I get started with Mobile Banking?

Visit the Enrollment page to learn how to get started.

What is my username and password for Mobile Banking?

Use your Online Banking username and password to login to Mobile Banking.

How can I tell which account I’m looking at? They all have strange names (SAV, SAV1, CHK2, etc.)

Your accounts are assigned nicknames by default, based on the type of account. If the default nicknames are not easy to understand, you can create your own.

Can I change the account nicknames I see in Mobile Banking?

Yes. Go to the Mobile Banking & Alerts tab in Online Banking. Click on the Accounts link to change your account nicknames, as well as choose which accounts will be viewed in Mobile Banking. Note that this will only change how the account name appears in Mobile Banking, not in Online Banking.

What happens if I change my mobile device number?

As a security precaution, you will not be able to get alerts or use Mobile Text/SMS Banking until you sign on to your mobile preferences and re-verify your mobile device number.

What happens if I change my mobile device plan?

As long as your mobile device number stays the same, no action is required.

What happens if I change carriers, but keep my mobile device number?

Your mobile device number will be disconnected by your old carrier and they will automatically notify the entire mobile device network that your number is disconnected. This automatic process can result in your mobile banking service being blocked as a security precaution. Once you are connected with your new carrier, you will need to re-verify your mobile device number for mobile banking to work.

Do I need a special type of mobile device?

Almost every cell phone in the market today supports text messaging (SMS). For Mobile Text/SMS Banking, you might need to have text messaging enabled on your mobile device plan. For Mobile Web/SmartClient Application Banking, your mobile device would have to support web browsing, which usually requires a “data” plan as part of your service.

Will this cost me more money?

For Mobile Text/SMS Banking, it might cost you more, as some carriers charge for text messaging; you should check with your service provider. For Mobile Web/SmartClient Application Banking, you need to have a plan that supports “data”, which could cost you more. You should check with your service provider.

Can I use this when I am traveling and “roam” to different carriers?

Yes, but you should check to see if there are roaming charges for the type of plan you have.

What if I’m having difficulty enrolling in Mobile Banking?

Contact Desert Schools at 602-433-7000.

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