Mobile Banking
What is Mobile Banking?
Mobile Banking is a solution that delivers the convenience of Online Banking directly to any internet enabled cell phone or hand held device. It allows you to save time and perform day-to-day banking over the cell phone. Mobile Banking provides the convenience of banking virtually anytime, anywhere, and compliments the real-time nature of Online Banking.
What services are available with Mobile Banking?
Services that are available through Mobile Banking include balance inquiries, transaction inquiries, making internal transfers, and making loan payments.
Is Mobile Banking secure? Mobile Banking uses Multifactor Authentication (MFA) technology for advanced security via a One Time Password (OTP) delivered by text message. Customers will enroll in Mobile Banking through their Intracoastal Bank Online Banking (see procedures). Account numbers are encrypted if nicknames are not available for the account.
What cell phone capabilities are required? Customers must be able to access either the mobile web browser or mobile internet browser on their cell phone and send/receive SMS text messages with their cell phone. Cell phones manufactured within the past two years, have access to mobile web or mobile internet, and SMS message capabilities should be able to utilize the Mobile Banking product.
Is there a registration/enrollment process? Customers must enroll for mobile services. Enrollment is performed from within Online Banking (see enrollment procedures). It is not necessary to re-enroll if a customer changes cell phones. However, customers will need to update their phone information in the event their cell phone number or service provider changes through Online Banking by clicking on the “Options” tab.
Will there be additional costs in the customer’s phone service data plan or text message cost?
The Mobile Banking product is free for all Intracoastal Bank Online Banking customers. However, dependent upon the customer’s service plan with their service provider customers may see charges for using their phone’s internet browser service and for the number of text messages sent/received. Charges will vary based on carrier.
General Customer Support FAQ: Do I put my e-mail address or mobile phone number in the “E-mail Address/Mobile Phone Number” box during the online enrollment? The customer should enter their ten-digit mobile phone number without dashes (i.e. 5555555555)
How are nicknames created for accounts? Nicknames are created by the customer through their Online Banking under the “Options” tab. Customers will see encrypted account numbers for accounts without nicknames that include two asterisks and the last three digits of their account number (i.e. **106). Nicknames will help in differentiating between account numbers that have the same last three digits. Also, please note that nicknames must be set up through Online Banking. Titles that are set up for accounts will not be visible through Mobile Banking.
I keep receiving an error message. There are two different error messages that we have found. One error message states “Login Information Missing or Invalid” and “Unable to Process Request”.
“Login Information Missing or Invalid” means exactly what it says. The user has entered one of the following incorrectly or omitted one of the following during login: their Access ID, One Time Password, or 4-digit PIN. The most common reason customers receive this error message is because they are not using the most current one time password, and may need to request a new one time password before attempting to login.
“Unable to Process Request” happens when customers are unable to connect to our database. Keep in mind Mobile Banking is an extension of Online Banking, so if Online Banking is up customers will be able to access Mobile Banking. However, if Online Banking is unavailable Mobile Banking will also be unavailable.
How do I request a one time password? To request a new one time password simply go to the Mobile Banking log on page and click on “One Time Password”. A new password is generated and sent to your phone in the form of a SMS text message.
Is there a way to avoid using the one time password? One time passwords play an essential role in the log in process and are required. One time passwords are used to ensure you are accessing your account information from a secure site. Please keep in mind you will receive a new one time password every time you access Mobile Banking.
