Frequently Asked Questions
Can I enroll in mobile banking without logging into online banking?
Yes. Follow these steps to enroll:
- Download our mobile app.
- Open the app.
- Type in your online banking login and password and tap "Continue".
- "Agree" to the Mobile Terms and tap "Continue".
- Sign up for Text Message Alerts if preferred. To do this, enter your mobile phone number and wireless provider and then tap "Enroll Now".
- Tap "Continue" to confirm enrollment.
What are the restrictions on the type of mobile devices that can be used to access accounts?
Our Mobile Banking product is device agnostic. It works with any web-enabled mobile phone device whose network allows secure SSL traffic.
What functions can I perform from my mobile device?
- Enroll in Mobile Banking
- View Transaction History
- View Account Balances
- Transfer Funds between accounts
- Pay Bills to existing Payees
- View Alerts
- View Bank Locations & Hours
- View ATM Locations
How do I know if my transfer or bill payment was entered successfully?
Each time you make a transfer or bill payment, a confirmation SMS Text Message will be sent to your mobile device. If you do not receive a confirmation text message, double check to make sure the transaction went through.
What if I no longer want to be a mobile user?
Log in to Central Online Banking. Then, select Options > Mobile Banking > Mobile Banking Settings. Deselect "Enable web access for your mobile device" and clickSubmit.
What happens if I lose my mobile device?
Since your account data is not stored on your mobile device, your information cannot be stolen. When you find or replace your device, simply edit your Mobile Settings and make any changes to the Wireless Provider and/or Phone Number.
Why can't I add a new payee?
Functionality is limited to sending payments to already established payees. To add a new payee, log in to Central Online Banking, select Bill Pay, and add a new payee. You can then submit payments to that payee via your mobile device.
What happens if I lose communication/signal during a transaction?
When you complete a transaction from your mobile device (bill payment, funds transfer, etc.) you will receive an SMS Text Message as confirmation that the transaction was successful. If you do not receive this message due to a dropped call or lost signal, check your accounts and re-submit any transactions that did not process.
What do I need to do if I get a new phone?
If you get a new phone, but are using the same phone number and provider, no changes on your part are necessary. If you switch providers and/or phone numbers, log in to Central Online Banking account via the Internet and update your information on the Options > Mobile Settings page. You will not receive SMS Text Messages regarding Mobile Banking transactions if your phone number is not correct.
How can I search for a transaction?
You will only be able to view 15 days worth of transaction history on your mobile device. There is not a search feature.
Can I use any mobile device to access my accounts?
Yes. You can access your accounts via any mobile device that is web-enabled and allows secure SSL traffic. The only difference is that SMS Text messages will be sent to the device entered when enrolling for mobile banking, not any device from which you perform a transaction.
Can I add a new Bill Payment Payee via mobile banking?
No. You can only add payments to payees already established through Central Online Banking.
How do I delete a Bill Payment that I set up through my mobile device?
You must log in to Central Online Banking and delete the payment from the main menu of the Bill Pay module.
What if I can't get my mobile device to work with Internet Banking?
There are a number of reasons that you may experience trouble accessing the mobile version of Internet banking on your phone. To use the mobile version, your phone will need to meet the following minimum requirements:
- You must first enroll through Central Online Banking before gaining access.
- Your mobile device must be web enabled.
- Your mobile network must allow secure SSL traffic. (You may need to contact your mobile provider to determine this.)
If your phone meets these requirements and you continue experiencing problems, the mobile version may not be compatible with your phone's browser. An interim solution would be to try downloading another browser such as Opera Mini (http://www.operamini.com), which provides good support to a number of mobile applications.
What happens if I stop using Mobile Banking?
If you fail to log in to Mobile Banking for a period of 6 months, your account will be deactivated and you will be required to re-enroll the next time you need to use Mobile Banking.