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Text Banking FAQs

How secure is Text Banking?

Our Text Banking service is secure and you can activate the service through Internet Banking. Text messages will never contain confidential information about you or your accounts or full account numbers.

Will I be charged for Text Banking?

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.

Which carriers do you support?

Our Text Banking service works on all major mobile providers in the U.S., including the ones listed below. However, there are many more carriers that support Text Banking.

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

Can I get the balances of my accounts that are not my primary account?

You can get balances of accounts that are not your primary account by texting BAL ALL to 454545. , Your reply message will contain the balances of all your checking, savings, and any other accounts.

Can I change my primary account selection later?

You can change your primary account at any time. Simply return to the Text Banking page within Internet Banking to select another account from the primary text banking account drop-down list.

Do I need a password for Text Banking?

You don’t need a password to access your account information via text message.

Can I transfer funds into my primary account using my phone?

You can transfer funds to your primary account if you have selected a “transfer source” account on the Text Banking page within Internet Banking. As an example, texting TRANS 400 to 454545 will transfer $400 to your primary account and return a message with updated account balances for both accounts. Please note that you can only transfer funds into your primary account.

How does Regulation D affect my Text Banking transactions?

Transactions performed on savings and tiered money market accounts are subject to Regulation D  and are monitored in compliance with the “Reserve Requirements for Depository Institutions,” as required by the Federal Reserve Banking System.

Up to six withdrawals or transfers among savings and tiered money market accounts are permitted each month in any of the following combinations, when payable to a third party or to another account owned by you:

  • Checks or similar orders
  • Pre-authorized or automatic transfers
  • Automated Clearing House (ACH)
  • Internet Banking, Mobile Banking, and Text Banking
  • Audio response (MAGIC)
  • Overdraft from savings
  • Telephone, email, facsimile (fax)

If you are not able to make a transfer to a savings or tiered money market account through Text Banking, you have likely already reached the maximum number of transactions allowed for the month. Your transaction is not processed, and you will need to transfer the funds through another means (ATM, branch, etc.) other than through Text Banking.

For more information, refer to the complete description of this regulation in our Truth in Savings Disclosure & Account Agreement.

Additionally, to help you monitor your Regulation D transactions, you can set up a Reg D notification within CUAlerts (accessible within Internet Banking).

I share a joint account. Can I set up two mobile devices for the same primary account?

You can set up two mobile devices for the same primary account. After you activate your first number, click the “Activate another phone” link from the Text Banking page within Internet Banking.

Useful Resources

View past issues of our Shared Interests newsletters that are sent with your quarterly statements.

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