What is Mobile Banking?
Does Mobile Banking require a smart phone for access?
How do I enroll in Mobile Banking with an app on my smart phone?
How do I enroll in Mobile Banking for my mobile browser and text banking?
Do I use the same User ID and password for Mobile Banking as with Online Banking?
Are there fees for using the Mobile Banking service?
Can I schedule recurring transfers using Mobile Banking?
How late in the day can I make a transfer within Mobile Banking?
Can I search for transactions within my Mobile Banking session?
How do I securely end my mobile banking browser session?
What if I can’t get my mobile device to work with Mobile Banking?
What happens if I lose communication or lose my signal during a transaction?
What happens if I lose my mobile device?
What do I do if I change phones?
How do I discontinue my Mobile Banking service?
Is it safe to use a Wi-Fi connection to access Mobile Banking?
Can I pay bills and individuals from my phone using Mobile Banking?
What bills can I pay using Mobile Bill Pay?
How do I pay a bill with Mobile Bill Pay?
When will the funds for my mobile bill payment be deducted from my account?
When can my payee expect to receive my mobile bill payment?
Can I schedule recurring payments using Mobile Bill Pay?
I need to cancel or change a payment I just scheduled through Mobile Bill Pay. What do I do?
Will you be enhancing Mobile Bill Pay to offer a payment date option?
What is Mobile Banking?Bank Independent Mobile Banking is a service that allows you to access your account information, transfer funds, make deposits, and find a Bank Independent location near you using your mobile device.
Does Mobile Banking require a smart phone for access?There are three ways to access Mobile Banking: via text, via app by downloading our Bank Independent app from the iTunes or Google Play stores, or by using your phone’s mobile web browser. Text banking is available for any text-enabled phone (your wireless provider’s text fees may apply). The Bank Independent app is available for iPhones and Android phones, and browser banking is available on most phones with Internet access. Please see the Text Banking Section for more information.
How do I enroll in Mobile Banking with an app on my smart phone?Simply download the free Bank Independent Online Banking mobile app from the iTunes or Google Play stores, then log in using your Bank Independent Online Banking User ID and password.
How do I enroll in Mobile Banking for my mobile browser and text banking?If you are an active Bank Independent Online Banking customer, you can self-enroll for Mobile Banking on your mobile device, or enroll within Online Banking by following these simple steps:
Do I use the same User ID and password for Mobile Banking as with Online Banking?Yes, use the same User ID and password that you use to log in to Online Banking.
Are there fees for using the Mobile Banking service?No, Mobile Banking access is available at no cost for consumer Online Banking customers. However, charges from your wireless carrier may apply. Please note that fees will apply when using the Mobile Deposit feature within Mobile Banking.
Can I schedule recurring transfers using Mobile Banking?At this time only on-time, immediate transfers can be entered in Mobile Banking.
How late in the day can I make a transfer within Mobile Banking?Transfers can be made at any time. However, please note that transfers submitted after 8:00 p.m. Central Time during regular banking business days, on weekends and on holidays will be processed on the next business day.
Can I search for transactions within my Mobile Banking session?In the Settings tab of Online Banking, you can define the number of days of transaction history you can view within Mobile Banking on your mobile device, but there is not a search feature.
How do I securely end my mobile banking browser session?Select the “Logout” link to log out of Mobile Banking then close your browser through your mobile device browsing options. Closing your browser will securely end your Mobile Banking session.
What if I can’t get my mobile device to work with Mobile Banking?You will want to verify that:
What happens if I lose communication or lose my signal during a transaction?If you do not receive a confirmation of your transaction due to a dropped call or lost signal, check your account transaction listing and resubmit any transactions that did not process.
What happens if I lose my mobile device?Account data and login credentials are not stored on your mobile device. Therefore, anyone who has access to your phone cannot log in to your accounts. Do not add your login credentials to your phone’s memo or note pad or voice record them on your mobile device as this information could then be obtained by others. Password-protect your mobile device if possible.
What do I do if I change phones?If you are using the same phone number and provider, no changes are needed, but app users will need to download the Bank Independent app to the new device. If you change your phone number and/or wireless provider, log in to your traditional Online Banking account on a computer to update your information by selecting the Settings tab and the “Mobile Web Settings” option.
How do I discontinue my Mobile Banking service?Simply log in to Online Banking and select the Settings tab. Choose “Mobile Settings,” de-select “Activate Mobile Banking Access” and click “Agree.”
Is it safe to use a Wi-Fi connection to access Mobile Banking?When doing something sensitive like checking a bank account balance on your mobile device or PC, it is best that you don’t use the free Wi-Fi access offered in public areas. It is recommended that you use your password-protected Wi-Fi at home to safeguard your account.
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Yes. If you are enrolled in the Bill Pay service within Bank Independent Online Banking, you will see the “Pay Bills” option as an icon in the menu along the bottom of your mobile phone screen. Please note that the mobile version of Bill Pay differs slightly from the Online Banking version of Bill Pay. Most importantly, bills cannot be scheduled for FUTURE payment using Mobile Bill Pay; when you click the “Submit” key after selecting your pay-from account, your payee, and the amount of the payment, the funds will be immediately deducted from your selected account and your payment will be submitted either electronically or by postal mail.
What bills can I pay using Mobile Bill Pay?If you have set up a payee—including both companies and individuals--in Bill Pay within Online Banking, that payee will be listed in your drop-down menu for selection in Mobile Bill Pay. Your payee list and billing information (account numbers, payee addresses, etc.) can be edited within Bill Pay in Online Banking.
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How do I pay a bill with Mobile Bill Pay?It’s easy! Simply select the “Pay Bills” icon from your menu bar within Mobile Banking. Click “Choose Account” and select the account from which you’d like to pay your bill. Next, click “Choose Payee” to select the payee you’d like to pay from the drop-down list. Finally, click the box under “Payment Amount” and type in the amount of the payment you’d like to make. After reviewing the information on your screen, click the Submit button. You will receive a confirmation message stating “Payment Saved” and providing a confirmation number. Click the “OK” button to return to the Pay Bills screen and schedule another payment. Your payment will be scheduled for delivery on the next available payment date to your payee. Please note that Mobile Bill Pay does not at this time offer the option of scheduling payments in advance. To schedule a payment for a future pay date, please use Bill Pay within Online Banking.
When will the funds for my mobile bill payment be deducted from my account?Payments scheduled using the mobile version of bill pay are scheduled for immediate payment and the funds for electronic payments will be deducted from your account overnight or upon clearing of the check if a paper check is mailed.
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When can my payee expect to receive my mobile bill payment?The payment will be delivered in the same method as it is delivered through Bill Pay within Online Banking, which is either electronically or by mail. Our Bill Pay provider works diligently with payees to arrange electronic delivery of payments, so delivery methods for payees are often updated. Please note that the payment method used to send this payment will affect the date the payee receives your payment. We strongly encourage you to use the full version of Bill Pay within Online Banking to schedule payments for delivery on a future date.
Can I schedule recurring payments using Mobile Bill Pay?No, recurring payments must be scheduled through the full version of Bill Pay within Online Banking.
I need to cancel or change a payment I just scheduled through Mobile Bill Pay. What do I do?To cancel or change a payment, log in to Bill Pay within Online Banking and go to Scheduled Payments. You may also call Customer Service at (256) 386-5000 or (877) 865-5050 for assistance. A payment can be cancelled before 3:00 p.m. Central Time on the same business day it is scheduled. If your payment was scheduled after 3:00 p.m. Central Time, or on a non-business day, you may cancel it before 3:00 p.m. Central Time on the next business day.
Will you be enhancing Mobile Bill Pay to offer a payment date option?Yes, we are actively working with our bill pay provider to provide this enhancement. We will supply more details as they become available.