What is mobile text banking?
Mobile text banking allows you to request information such as your account balance and recent transactions on selected accounts at any time from your mobile phone using text messaging.
Message and data rates may apply. To get help, send a text message that says HELP to 46728. To stop receiving messages, send a text message that says STOP to 46728.
Why did I receive a text message stating that mobile text banking is changing?
Updates have been made to the text alerts for “Account Balance has fallen below,” “Account Balance has risen above,” and “Account is overdrawn.” You will now receive one alert informing you that you have crossed your threshold. It will not send you multiple alerts; so once you receive this alert, please make a transfer or deposit so that your account balances are at the levels you would like them to be at.
Example: An alert is set up for: Account Balance has fallen below $100.
When your account balance falls below the level of $100, an alert will be sent to you. This alert will not be reset until you make a deposit that brings your balance above that $100 level again. Now the alert is ready to remind you again if you fall below your threshold.
Why did I receive a text that says, “To view any changes to your TXT nicknames, log in to Online Banking?”
The new text banking system doesn’t allow spaces or special characters in the text banking nicknames. Any spaces and special characters have been removed. To view your nicknames, log in to Personal Online Banking and click on the “Mobile & Alerts” tab.
What are mobile text alerts?
These are notices that you set up to automatically alert you when activity occurs on your accounts. Mobile text alerts are sent directly to your mobile phone and are an easy, effective way to keep track of your account activity and to monitor your accounts for fraudulent transactions.
What is the difference between mobile text alerts and mobile text banking?
How do mobile text alerts and mobile text banking work together?
A mobile text alert can notify you of current activity on your account. You can then use a mobile text banking command to request additional information about your account, or you can transfer money between accounts.
For example, if you receive a “low balance alert” text message, you can send a BAL text message to 46728 for a listing of your account balances. You could then send a TRA (this is the text for transfer) text message to transfer money from one account to the account with a low balance.
To get help, send a text message that says HELP to 46728. To stop receiving messages, send a text message that says STOP to 46728.
Are mobile text alerts real-time?
Yes, our text alerts show your current balance. However, text banking shouldn’t be used as a way to avoid an overdraft, since some transactions post at different times in the system.
What are all of the quick codes for mobile text banking?
Use these codes after sign up. Send your text requests to 46728:
The nicknames used in the examples below are ‘chk1′ for checking account and ‘sav1′ for savings account.
Is mobile text banking case-sensitive?
No. Whether you type BAL or bal, we will send your account balances to you via text message.
What does it mean when I see “1/2″ on my screen?
“1/2″ means you are reading the first message in a series of two messages. We label this as “1/2″ to ensure you will read your text messages in the correct order.
Why am I receiving multiple text messages?
All text messages are limited to 160 characters. Sometimes we can’t send all of your information in one text message because it exceeds the 160 character limit. If this happens, we will send your account information over multiple messages.
When I do a balance request (BAL), why does my CD show a $0 balance?
On the text you receive, it shows a $0 balance because this is an available balance, not a current balance. To view your actual balance, please log in to Personal Online Banking.
Is there a fee for using mobile text banking?
Mobile text banking is free for all customers at Bell State Bank & Trust. However, message and data rates may apply.
Do I need a smartphone or PDA to sign up for Text Banking?
No, because virtually every mobile phone on the market today is capable of sending and receiving SMS text messages. You must simply have premium text messaging available through your mobile device.
What happens if I lose my phone?
Contact your phone company and they will suspend your service. Next, contact our customer service department at 800-450-8949 to have them suspend your mobile text banking service. There is no confidential information stored on the phone that could be used by another person.
What if I replace my lost phone or upgrade to a new one?
If you lose your phone, you will need to contact the phone company and our customer service team at 800-450-8949. Mobile text banking will be suspended until you have your phone number reinstated. Then you will have to re-verify your phone number again. If you simply upgrade or change your phone (and keep the same phone number), and the service is not working properly, please contact our customer service team at 800-450-8949 for assistance.
What if my phone is turned off when a mobile text alert is sent?
Mobile carriers typically will save undelivered text messages until your mobile phone is turned back on, meaning you will receive the message the next time your phone is turned on.
Is mobile text banking secure?
Bell State Bank & Trust is very concerned about the safety and privacy of your information. To ensure the security of your account information, a number of security features are in place:
What do I need to be eligible to activate mobile text banking?
You need to be enrolled in Bell State Bank & Trust’s Personal Online Banking to activate the service and a mobile phone with the ability to send and receive premium text messages. (Text banking is not available for business accounts.)
How can I sign up for mobile text banking and mobile text alerts?
Log in to Personal Online Banking and select the Mobile & Alerts tab and enroll your mobile phone number. Follow these simple steps:
Who can I contact if I need help with mobile text banking?