Mobile Banking Overview

Mobile Banking 

Mobile Banking enables anyone with an online banking account to access their account information from a mobile device. Mobile Banking offers three ways to access your accounts:

  • Send a text message using your mobile device.
  • Use a mobile browser on your mobile device.
  • Download an application to your mobile device.

You can choose any or all of these options, depending on the capabilities of your mobile device.

Please sign in to your online banking from our homepage http://www.ccf.us to enroll today.


SMS Text Messaging Service

Use the SMS text messaging service to:

  • Check account balances.
  • Review recent account activity.
  • Find ATM and branch locations.

Requirements
To use the SMS text messaging service, your mobile device must send and receive text messages to and from a short code. Most mobile devices are capable of sending and receiving text messages, so your phone is most likely compatible with Mobile Banking. Please note that some mobile service carriers charge for outgoing text messages or for each message sent and received.

 

Mobile Browser Service

Use the mobile browser service to:

  • Check account balances.
  • Review recent account activity.
  • Transfer money between accounts.
  • Find ATM and branch locations.

Requirements
To use the mobile browser service, your mobile device must have an Internet browser and may require a data service plan. You access the Mobile Banking website using the link sent by SMS text message during the enrollment process.

 

Downloadable Application

Use the downloadable application service to:

  • Check account balances.
  • Review recent account activity.
  • Transfer money between accounts.
  • Find ATM and branch locations.

Requirements
To use the Mobile Banking downloadable application, your mobile device must have an operating system that supports application downloads and may require a data service plan. You download the Mobile Banking application using the link sent by SMS text message during the enrollment process.

 

Frequently Asked Questions

Is Mobile Banking secure?

Mobile Banking employs industry best practices with regards to security. It has been assessed against industry security criteria by a number of independent system security experts.

At a high level, Mobile Banking offers the following security safeguards:

  • Authentication - Mobile browser and application solution customers are authenticated for every interaction with any Mobile Banking component. Customers are authenticated by username and password or by utilizing existing login credentials for single sign-on.
  • Encryption - 128-bit encryption is used for all transactions within Mobile Banking and between Mobile Banking and other Fiserv solutions (e.g., core banking and payment systems).
  • Fraud - Mobile Banking incorporates mechanisms such as transaction validation and transaction reconciliation processes to detect fraud.
  • Availability/Resilience - Mobile Banking is protected against malicious attacks through software and server hardening measures.
  • Audit Ability - Mobile Banking provides full audit capabilities through event logs and event-based reporting.

Is my personal or financial information stored on my phone?

No. Mobile Banking does not save any files with personal or financial information on your mobile device. That information stays strictly within online banking. Some phones (e.g., BlackBerry, Android) have logo and branding files that are copied to the mobile device. Those files do not contain any personally identifiable information.

Which accounts can I access using Mobile Banking?

You can access any account you have set up in online banking. You select which accounts you want to access using Mobile Banking during the enrollment process.

How current is the account and transaction information?

When you view your account balance, you see the current available balance. When you view transaction history, you see the most recently posted transactions. Pending transactions do not display.

Can I add more than one mobile phone?

Yes. You can enroll several mobile devices for Mobile Banking. To add a new phone, follow the steps in the Mobile Banking Enrollment section of the Citizens Community Federal Mobile Banking User Guide.

What if my phone number changes?

If your mobile phone number changes, simply update your mobile phone number in Mobile Banking. To update the mobile phone number, follow the steps in the How To Change a Phone Number section of the Citizens Community Federal Mobile Banking User Guide.

What if my phone is lost or stolen?

If your mobile device is lost or stolen, no one can access your account without knowing your password and, in some cases, your unique user name. To prevent unauthorized access to your account, you can deactivate your phone in Mobile Banking. To deactivate your mobile device, follow the steps in the How To Deactivate or Stop Using a Mobile Device section of the Citizens Community Federal Mobile Banking User Guide.

How do I stop using Mobile Banking on my phone?

To stop using Mobile Banking on your mobile device, follow the steps in the How To Deactivate or Stop Using a Mobile Device section of the Citizens Community Federal Mobile Banking User Guide.

Which phones can I use for Mobile Banking?

Hundreds of models are supported including these major brands: iPhone, BlackBerry, HTC, LG, Motorola, Nokia, Pantech, Samsung, Sanyo, and Sony Ericsson. Phones on a number of different operating systems are supported including, but not limited, to Android, BlackBerry, iOS, Symbian, Windows Mobile, Linux, Palm webOS, and Maemo.

Which mobile service carriers support Mobile Banking?

Mobile Banking works on all major mobile service carriers in the U.S.: AT&T, Sprint, T-Mobile®, U.S. Cellular® and Verizon Wireless. Mobile Banking also works on a number of the smaller service carriers, including, but not limited to, Boost Mobile, Cricket Wireless, Metro PCS, Pioneer Cellular, Union Wireless and Virgin Mobile USA.

I have a prepaid plan, can I use Mobile Banking?

Mobile Banking works with most prepaid plans, but we cannot guarantee that your carrier supports standard U.S. short codes. T-Mobile prepaid does not support short codes.

 

Click here to access the Citizens Community Federal Mobile Banking User Guide