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Mobile Banking User Guide

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Mobile Banking User Guide MOBILE BANKING USER GUIDE Table of Contents Mobile Banking Overview 1 SMS Text Messaging Service 1 Mobile Browser Service 1 Downloadable Application 1 Frequently Asked Questions 2 Mobile Banking Basics 3 Enrollment 3 How To Change a Phone Number 3 How To Deactivate or Stop Using a Mobile Device 3 Text Messaging 4 How To View Account Balances 4 How To View Transaction History 4 How To Locate ATM Locations 4 How To Locate Branch Locations 4 How To Locate ATM and Branch Locations 4 How To Request Help 4 Frequently Asked Questions 4 Mobile Browser 5 How To Access the Mobile Banking Mobile Browser 5 How To View Accounts 5 How To Transfer Funds 5 How To Locate ATM or Branch Locations 5 Frequently Asked Questions 6 Downloadable Application 7 How To Download the Mobile Banking 7 Application to the Mobile Device How To Access Mobile Banking 7 How To View Accounts 7 How To Transfer Funds 7 How To Locate ATM or Branch Locations 7 Frequently Asked Questions 8 Pay Bills 9 How To Pay Bills 9 How To Pay eBills 9 How To Change a Bill Payment 10 How To Cancel a Bill Payment 10 Message and data rates may apply Member FDIC Mobile Banking Overview At Flagler Bank , we're dedicated to making Mobile Browser Service your banking experience with us the best it can Use the mobile browser service to: be. If you have an online banking account, Mobile Check account balances. Banking gives you access to your account Review recent account activity. information from a mobile device. This User Guide Transfer money between accounts. will give you all the information you need to use Pay bills. Mobile Banking. If you have any questions or need help, feel free to contact us. Change and cancel pending payments. Find ATM and branch locations. Accessing Your Accounts Requirements Mobile Banking offers you three easy, convenient To use the mobile browser service, your mobile ways to access your accounts: device must have an Internet browser and may Send a text message using your mobile device. require a data service plan. You access the Use a mobile browser on your mobile device. Mobile Banking website using the link sent by Download an application to your mobile device. SMS text message during the enrollment process. You can choose any or all of these options, depending on the capabilities of your mobile Downloadable Application device. Use the downloadable application service to: Check account balances. SMS Text Messaging Service Review recent account activity. Use the SMS text messaging service to: Transfer money between accounts. Check account balances. Pay bills. Review recent account activity. Change and cancel pending payments. Find ATM and branch locations. Find ATM and branch locations. Requirements Requirements To use the SMS text messaging service, your To use the Mobile Banking downloadable mobile device must send and receive text application, your mobile device must have an messages to and from a short code. Most mobile operating system that supports application devices are capable of sending and receiving text downloads and may require a data service plan. messages, so your phone is most likely You download the Mobile Banking application compatible with Mobile Banking. Please note that using the link sent by SMS text message during some mobile service carriers charge for outgoing the enrollment process. text messages or for each message sent and received. Message and data rates may apply Member FDIC pg. 1 Mobile Banking Overview Frequently Asked Questions Is Mobile Banking secure? Is my personal or financial information stored on Mobile Banking employs industry best practices with my phone? regards to security. It has been assessed against No. Mobile Banking does not save any files with industry security criteria by a number of independent personal or financial information on your mobile device. system security experts. At a high level, Mobile That information stays strictly within online banking. Banking offers the following security safeguards: Some phones (e.g., BlackBerry, Android) have logo and branding files that are copied to the mobile Authentication - Mobile browser and application device. Those files do not contain any personally solution customers are authenticated for every identifiable information. interaction with any Mobile Banking component. Customers are authenticated by username and How current is the account and transaction password or by utilizing existing login credentials information? for single sign-on. When you view your account balance, you see the current available balance. When you view transaction Encryption - 128-bit encryption is used for all history, you see the most recently posted transactions. transactions within Mobile Banking and between Pending transactions do not display. Mobile Banking and other Fiserv solutions (e.g., core banking and payment systems). Can I add more than one mobile phone? Fraud - Mobile Banking incorporates mechanisms Yes. You can enroll several mobile devices for Mobile such as transaction validation and transaction Banking. To add a new phone, complete the Mobile reconciliation processes to detect fraud. Banking Enrollment section. Availability/Resilience - Mobile Banking is Which phones can I use for Mobile Banking? protected against malicious attacks through Hundreds of models are supported including these software and server hardening measures. major brands: iPhone, BlackBerry, HTC, LG, Motorola, What if my phone is lost or stolen? Nokia, Pantech, Samsung, Sanyo, and Sony Ericsson. If your mobile device is lost or stolen, no one can Phones on a number of different operating systems are access your account without knowing your password supported including, but not limited, to Android, and, in some cases, your unique user name. To BlackBerry, iOS, Symbian, Windows Mobile, Linux, Palm webOS, and Maemo. prevent unauthorized access to your account, you can deactivate your phone in Mobile Banking. To I have a prepaid plan, can I use Mobile Banking? deactivate your mobile device, complete the How To Mobile Banking works with most prepaid plans, but we Deactivate or Stop Using a Mobile Device section. cannot guarantee that your carrier supports standard U.S. short codes. T-Mobile prepaid does not support How do I stop using Mobile Banking on my phone? short codes. To stop using Mobile Money on your mobile device, complete the How To Deactivate or Stop Using a Which mobile service carriers support Mobile Mobile Device section. Banking? Mobile Banking works on all major mobile service What if my phone number changes? carriers in the U.S.: AT&T, Sprint, T-Mobile ® , U.S. If your mobile phone number changes, simply update Cellular ® and Verizon Wireless. Mobile Banking also your mobile phone number in Mobile Banking. To works on a number of the smaller service carriers, update the mobile phone number, complete the How including, but not limited to, Boost Mobile, Cricket To Change a Phone Number section. Wireless, Metro PCS, Pioneer Cellular, Union Wireless and Virgin Mobile USA. Message and data rates may apply Member FDIC pg. 2 Mobile Banking Basics Enrollment How To Change a Phone Number Complete the following to enroll in Mobile Banking: Complete the following to steps to change your mobile 1. Log in to your online banking account using phone number: Online Banking. 1. Log in to your online banking account using Click the " Options " button. Online Banking. 2. The Options page is displayed. Click the " Options " button. Locate the Mobile Banking Profile section and 2. The Options page is displayed. click " Enroll Now ". Locate the Mobile Banking Profile section and Note: For security reasons, only one user can register click " Manage Device(s) ". for each mobile device . However, once you complete 3. The Main Menu page is displayed. the registration process, you can add more phones to Select the "My Phones " tab. your Mobile Banking account. Locate the old phone number, select "Change my 1. The Mobile Banking Terms and Conditions page phone number" and then click "Go ". is displayed. 4. The Mobile Phone Number page is displayed. Select the " Accept " check box and then click Enter the updated phone number and click " Continue ". "Next" . 2. The Your Details page is displayed. Select the appropriate " Eligible Accounts "check 5. The Main Menu page is again displayed. boxes and then enter the nickname used to Close Mobile Banking to return to your online identify each account in a text message. banking session. 3. The Mobile Banking Number page is displayed. How To Deactivate or Stop Using a Mobile Enter your mobile phone number, including the Device area code. Complete the following to steps to deactivate your stop Click " Next ". using your mobile device: 4. The Select Your Services page is displayed. Select the Mobile Banking services to be 1. Log in to your online banking account using available on the mobile device. Online Banking. Click " Next ". Click the " Options " button. 2. The Options page is displayed. Note: The activation code expires 24 hours after you Locate the Mobile Banking Profile section and receive it. click " Manage Device(s) ". 1. A text message with an activation code is sent 3. The Main Menu page is displayed. to the mobile phone number entered. Select the "My Phones " tab. 2. The Activate Your Phone page is displayed. Locate the appropriate phone number, select Enter the activation code received in the text "Stop using this phone for Mobile Banking" message. Click " Activate " to complete and then click "Go ". enrollment in Mobile Banking. 4. The Stop using This Phone page is displayed. 3. A text message with a short code is sent to the Click "Next" . newly activated mobile device. Note this short 5. The Main Menu page is again displayed. code for use when utilizing Mobile Banking's text Close Mobile Banking to return to your online messaging service.
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