Common Mobile Banking Questions Text Banking

Terms to Know: Mobile SMS – another name for Text message Banking Carrier – cellular network such as Sprint, Verizon, T-Mobile, AT&T, etc. Inbound commands (aka mobile originated commands or “MO”) – commands that a user texts to the short code to receive information from RSB. MT Message – message that is sent to the end user (MT=mobile terminated, or ends on the cell phone), either in response to an MO inbound message or generated automatically from Intuit without the use of an inbound command. Short Code – can be considered a URL for texting. A number the user sends a MO message to in order to receive a MT response (such as 454545). Smartphone – mobile phone offering a full keyboard and larger screen. SMS – aka Short Message Service is a communication service standardized in the mobile network that allows interchange of short text messages. Text message – term referring to the exchange of brief written messages between mobile phones over cellular networks.

How secure is this? Our Text Message Banking service has several security features. You can activate the service only after logging into our internet banking site. Text messages will never contain confidential information about you or your accounts. Messages will never contain full account numbers Will I be charged for this? We won't charge you, but standard carrier fees for text messaging may apply. Please check with your mobile phone carrier if you aren't sure what fees apply when you send and receive text messages. Will Text Message Banking work on my phone? Yes it will, as long as you have text messaging enabled with your mobile carrier and use a carrier that the service supports. Please check with your mobile carrier if you are unsure. Which carriers do you support? Our Text Message Banking service works on all major mobile providers in the U.S., including:

AT&T CelluarOne(Dobson) Nextel Sprint T-Mobile US Cellular Verizon Virgin Mobile

How do I deactivate this? You can text back STOP to 454545 on your activated cell phone, or you can return to the mobile banking page and click the Deactivate link next to your mobile device number. Your phone will no longer receive any text messages from Text Message Banking. You can add a new phone at any time if you change your mind later. I still have not received my activation code what should I do? It might take several minutes to receive your code. If you feel you have waited long enough, you can click the resend it link. Please check your mobile device shortly for a new text message. If you are still experiencing problems be sure you entered in the correct mobile number during setup.

What is a primary text banking account? Your primary account is the default account that we will use when you text BAL to 454545. You should select the one that you will most likely want to check the most often. You can get all balances by texting BAL ALL to 454545.

Can I change my primary selection later? Yes, you can. Simply return here to the Mobile Banking & Alerts page and select another account from the primary text banking account drop-down list.

How long does it take to get a text message? You’ll usually receive a text message response within a minute. Exact timing depends on your mobile service carrier.

Is there any password needed for test message banking? You do not need a password to access your account information via text message.

What should I do if I lose my phone? You can go to the Mobile Banking & Alerts page within internet banking and select Deactivate link that’s next to your mobile phone number. That will terminate the service for the mobile device. You can always return later and Activate a new phone.

I have a new mobile phone number. Can I change my number online? Yes. You first need to deactivate your cell phone from within Mobile Banking & Alerts page or by texting STOP to 454545. Then click Activate on the Mobile Banking & Alerts page and set up the new cell phone number.

I share a joint account. Can I set up two phones for the same primary account? Yes, after you set up the first number, you can select the Activate another phone link on the Mobile Banking & Alerts page then complete the simple two step process. Customers can set up alerts from within the Mobile Banking & Alerts page. Examples of alerts that can be set up are: Low Balance Large payment Large deposit Weekly account balance

General Mobile Banking Security

To prevent unauthorized access to your phone, set a password or Personal Identification Number (PIN) on your phone’s home screen as a first line of defense in case your phone is lost or stolen.

Smartphones are susceptible to malware and hacking when using unsecured public networks. Do not use mobile banking when connected to any public Wi-Fi.

When using mobile banking turn off Bluetooth and Near Field Communications (NFC). Risks of using NFC and Bluetooth include eavesdropping, through which the cyber criminal can intercept data transmissions. It is also highly recommended that in general Bluetooth and NFC should be turned on only when needed.

Jailbreaking a device involves circumventing its technological protection measures. Jailbreaking can be dangerous and we highly discourage utilizing a jailbroken phone when using mobile banking.

The Bank will never request personal or sensitive information via email or SMS text message(s). Please use precautions when handling any types of unsolicited or unexpected emails or text messages. Be suspicious of these emails and text messages, even if they appear to originate from a trusted source. Clicking on links in spam email or text messages may send users to phishing web sites or sites that are hosting malware. If you doubt the validity of a Ridgewood Savings Bank email or text message that you received or if you think you may have already responded to a Phishing scam, please contact your branch immediately.