Introducing Mobile Money

July 18, 2011

Our customers can now use their mobile devices to view account information and perform transactions. You must be enrolled into 1st Online to sign up for this ability.

1. Text Banking

    From mobile phones with text capabilities users can:

  • View account balances
  • View recent transaction history
  • Receive text “Alerts” on selected banking transactions
  • Standard text rates apply from their Mobile phone carrier

2. Mobile Web Banking

   From mobile phones with Web access users can:

  • View account balances
  • View recent transactions
  • View pending transactions
  • Receive text alerts on banking transactions
  • Transfer funds between accounts
  • Locate a nearby branch or ATM

   Mobile Web service is required for this level of service. Standard Internet fees apply.

3. Smart Phone APP

     Same functions as Mobile Web Banking

  • Mobile Money APP must be downloaded and installed onto compatible mobile devices
  • Currently available for iPhones, iPad, selected iPod devices and Blackberry
  • Mobile Money Features
    • View Balances
    •  Instantly access real time account balances
    • View recent transaction history
    • Available for all mobile phone types, including Text Banking Alerts
    • Alerts can be delivered by text message, or sent to any email address.
    • Available for all mobile phone types, including Text Banking
    • Cell phone providers may charge additional fees for Web access or text messages.

    Types of alerts include:

  • When an account falls below a selected balance.
  • When a deposit has been made - ideal for direct payroll or social security deposits.
  • When any check over a selected amount has cleared. This can help protect customers against fraud and identity theft.
  • Plus several other types of useful alerts.

    Transfer Funds

    Now users can transfer funds between their accounts right from their mobile phone.

  • Available for all mobile phone types, except Text Banking
  • Mobile Web service is required for this level of service.
  • Branch and ATM Locator
  • Quickly locate a nearby branch or ATM
  • Clearly displayed on map with GPS positioning
  • Available for all mobile phone types, except Text Banking

Mobile Money Security

In the early days of online banking, most consumers thought it was “unsafe” to access their account over the Internet.

Today, nearly 70% of the public considers online banking to be safe and secure.
The same misconceptions exist today for Mobile Money.

Customers/members need to be educated about the
high level of security of Mobile Money.

Why text banking is secure:

  • View accounts by nicknames you set, not account numbers
  • No detailed personal information is sent
  • Why phones using Mobile Web and APPS are secure:
  • 128-bit encryption masks your sensitive information
  • Password is required each time you log on
  • Consumer’s private “picture and pass phrase” are displayed to protect against “phishing”

Comments

keifer said on August 29, 2011 - 11:07am:

Yea I'm trying to get mobile money on my phone but when I go to the options screen, mobile money is not on there like its said to be

Glen said on August 29, 2011 - 11:23am:

If you have gone into the options screen, scrolled down to the section to Mobile Banking, and are still having problems, please contact the bank at 932-3221 and ask for Bookkeeping.

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