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Mobile Banking with Citizens Bank
How would you like the absolute convenience of banking anywhere, at any time? Now, you can literally do your banking, anywhere, and everywhere you have cell reception. Imagine, all from the palm of your hand, safe and secure – because Citizens Bank wouldn’t have it any other way. Citizens Bank is the first community bank on the West Coast to offer this type of Mobile Banking to its customers! Read the Frequently Asked Questions (FAQs) about Mobile Banking.
So what is Mobile Banking?
Let’s say you’re in the grocery store, and maybe you had six items on your list, but now the cart is full. While standing in line, you wonder if there’s enough money in your checking account to pay for all of this. While you’re in line, you check your account balance on your cell phone, and when you realize your hunch was right, you transfer money from your savings into your checking account right there on the spot. By the time your groceries are totaled, the money is in your checking account. Now you can safely swipe your debit card and go!
Or perhaps you’re a business owner at the airport waiting for your flight. With your cell phone, you can turn that downtime into productive time; transfer money between accounts, or even pay your bills, right from your cell phone! Maybe you wake up in the night and realize tomorrow is payday and your employees will have their paychecks direct deposited into their accounts, but you forgot to transfer the payroll funds into the proper account. No worries, because you can do that quickly and easily, anytime of the day or night, from your mobile phone.
Mobile Banking brings you:
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Absolute convenience – Any time. Anywhere. If you have cell phone reception, you can do your banking. |
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Works with virtually all cell phones – Choose between Mobile Web Banking or TXT Banking. |
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No Computer Necessary – No computer? No problem. All you need is a cell phone with the ability to surf the Mobile Web or send TXT messages. |
FAQs (Frequently Asked Questions)
Now you can check your account balance, transfer funds, review recent transaction history and even pay your bills right from your cell phone! The following frequently asked questions will help you get enrolled and use Mobile Banking for your individual cell phone and accounts. (Please remember, no mobile banking while driving!)
Q. What is Mobile Banking?
A. Mobile Banking with Citizens Bank gives you absolute convenience of banking anywhere, at any time. If you have cell phone reception, you can check your balances, view your most recent transactions, transfer money between accounts, and even pay your bills – all from the palm of your hand!
Q. Will Mobile Banking work with my cell phone?
A. Mobile Banking works with virtually all modern cell phones. Depending on your phone’s capabilities and your service plan, you can choose between Mobile Web Banking or TXT Banking. With Mobile Web Banking, you use a web browser similar to your desktop computer to easily navigate through your options. With TXT Banking, you send text messages with actions such as “BALANCE” and “TRANSFER” to manage your accounts.
Q. How much does Mobile Banking cost?
A. Citizens Bank offers Mobile Banking at no cost to our customers. However, your mobile carrier may charge for data usage, web access, and/or text messages. We recommend contacting your provider for details on specific fees and charges associated with your service plan.
Q. How do I enroll in Mobile Banking?
A. If you are already enrolled in Personal Online Banking, simply log in like normal, click the “Other Services” button, and then click the “Mobile Banking” button. If you are not yet enrolled in Personal Online Banking, click the “Online Banking” button on the top of this page to submit an enrollment form or just click here.
Q. Can I try out Mobile Banking?
A. Yes, we have a Mobile Banking Demo, which you can test drive on your computer or cell phone. Just click here.
Q. Do I need to have an Online Banking profile to use Mobile Banking?
A. Yes. At this time, you are required to have an Online Banking profile to enroll in Mobile Banking. If you do not have access to a computer with internet access, please call us at (530) 478-6000 or (800) 809-2244 or send an email to
support@citizensbanknc.com
We can direct you to a branch, where we can assist you with setting this up.
Q. How do I use Mobile Banking over the Mobile Web?
A. Once enrolled, simply visit https://4myact.mobi/60086 from your cell phone’s web browser. Once you’ve successfully logged in, you will see your current account balances. From the Main Menu, you can select other actions, such as viewing transactions, transferring funds, or paying bills. We would also recommend saving the website to your phone’s bookmarks, just as you would on your computer.
Q. How do I use Mobile Banking over Text Messaging?
A. Once enrolled, simply send a text message to 469228 with any of the following actions in the body of the message:
| Text to SMS |
Request |
| BALANCE |
Request available balances for all linked accounts |
BALANCE <account nickname>
for example, BALANCE Nick |
Request available balance for a specific account |
TRANSACTIONS <account nickname>
for example, TRANSACTIONS BOB |
Request the most recent transactions for an account |
TRANSFER <amount> TO <to account nickname>
for example, TRANSFER 10.00 TO my savings |
Transfer money from the default account to another account |
TRANSFER <amount> FROM <from account nickname> TO <to account nickname>
for example, TRANSFER 10.00 FROM savings TO family check |
Transfer money from one account to another account |
* NOTE: Text Messaging commands are not case sensitive (for example, “eNtER” is the same as “enter”).
Q. I sometimes have poor cell phone reception while traveling. Can I still access Mobile Banking?
A. Whenever you are in an area with poor coverage, we recommend using TXT Banking. Text messaging is designed to be lightweight and can be transmitted even with poor reception. At the same time, TXT Banking will always respond with a confirmation message, so you can be assured that your transaction processed successfully.
Q. How long does a Mobile Banking transfer take before posting to my accounts?
A. When transferring between accounts on Mobile Banking, the transfer should memo-post to your account by the time you receive the confirmation message back from the system. This typically takes 10-60 seconds depending on several factors, such as your wireless reception.
Q. How do I know that Mobile Banking is secure?
A. Mobile Banking utilizes similar encryption technologies as Online Banking to ensure that all transactions are secure. For instance, on the Mobile Web, you will be required to log in using your Mobile Login, PIN, and Passmark information. At the same time, Mobile Banking does not transmit confidential data, such as full account numbers.
Q. What should I do if I lose my cell phone?
A. Although no confidential information is stored on your cell phone, you can immediately disable your Mobile Banking access at any time. Simply log into your Online Banking profile from any computer, click on the “Other Services” button, and then click the “Mobile Banking” button. From there, you can disable your mobile access until you get a replacement phone.
Q. Will anything need to be installed on my cell phone?
A. No. Mobile Banking simply uses your cell phone’s built-in capabilities, such as web browsing and text messaging.
Q. Who do I call if I have a Mobile Banking problem or question?
A. Please call us at (530) 478-6000 or (800) 809-2244 or send an email to
support@citizensbanknc.com
5/5/09 |
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