Mobile Banking
1. What is Mobile Banking and how is it different from using the Internet?
2. What are the requirements to use St. Mary’s Bank’s Mobile Banking?
3. What are the restrictions on the type of mobile devices that can be used to access accounts?
4. What functions can I perform from my mobile device?
5. Are there any fees associated with this service?
6. How do I sign up for St. Mary’s Mobile Banking?
7. Do I need a separate ID and Password for St. Mary’s Mobile Banking?
8. How will negative numbers be displayed on my cell phone/PDA?
9. What is the URL to access the St. Mary's Bank site by cell phone?
10. How do I know if my transfer was entered successfully?
11. What if I no longer want to be a mobile user?
12. What happens if I lose my mobile device?
13. What happens if I lose communication/signal during a transaction?
14. What do I need to do if I get a new phone?
15. How can I search for a transaction?
16. Can I use any mobile device to access my accounts?
17. Troubleshooting?
1. What is Mobile Banking and how is it different from using the Internet?
Mobile Banking is relatively new and designed to operate with web enabled cell phones and PDA’s (personal digital assistant) to access bank/member accounts in order to check balances and make transfers. Internet based Online Banking has been available for many years and uses a desktop computer or laptop to access financial accounts.
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2. What are the requirements to use St. Mary’s Bank’s Mobile Banking?
St. Mary's Bank members must have an active Online Banking account and a web enabled cell phone with the browser service turned on. It is also suggested that the cell phone has the text messaging feature activated so confirmations of transfers and other important messages can be received by the member.
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3. What are the restrictions on the type of mobile devices that can be used to access accounts?
St. Mary’s Mobile Banking is not dependent on a certain brand of cell phone and should work with any web enabled mobile phone or PDA that allows secure web browsing.
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4. What functions can I perform from my mobile device?
With St. Mary’s Mobile Banking, members can:
- View Account Balances
- Transfer Funds between accounts. Future and re-occurring transfers supported by Online Banking only.
- View Last 15 Days of Transaction History
- View Alerts
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5. Are there any fees associated with this service?
No, St. Mary’s Bank will not charge its members a fee to use this service, however, they may incur additional charges from their cell phone providers to add features like web browsing and text messaging.
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6. How do I sign up for St. Mary’s Mobile Banking?
Member confirms with their cell phone service provider that web access and text messaging features are activated. Member can than go to their St. Mary’s Online Banking account to activate Mobile Banking located under Preferences. For additional information see the Mobile Banking “Enrollment” and “How To” documents.
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7. Do I need a separate ID and Password for St. Mary’s Mobile Banking?
No, you will use your existing Online Banking ID and Password to log into Mobile Banking.
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8. How will negative numbers be displayed on my cell phone/PDA?
Negative number will be displayed in closed parentheses ( ). For example a balance of a negative $14.83 will be displayed as ($14.83).
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9. What is the URL to access the St. Mary's site by cell phone?
To access the St. Mary’s Mobile Banking sign on page from a mobile phone, visit https://www.airteller.com/smb. Or click on the link provided in the text message that was sent when mobile banking was activated.
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10. How do I know if my transfer was entered successfully?
Each time a transfer is made a confirmation screen, including a confirmation number, is presented on the mobile device, additionally a confirmation text message will be sent to the mobile device that was registered during activation. If a confirmation text message is not received, transfers can be verified by checking balances via mobile banking, online banking, telephone banking, ATM or in person at a branch.
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11. What if I no longer want to be a mobile user?
As a mobile user, you must de-activate the service within St. Mary’s Online Banking. Log in to St. Mary’s online banking and go to Preferences and deactivate the Mobile Banking service.
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12. What happens if I lose my mobile device?
Since your account data is not stored on your mobile device, your account information will remain secure. When you replace your device, simply log in to St. Mary’s online banking, go to Preferences and make any appropriate changes to your Mobile Settings.
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13. What happens if I lose communication/signal during a transaction?
When you complete a transaction from your mobile device (funds transfer, etc.) and Text Messaging is activated, you will receive a text message as confirmation that the transaction was successful. If you do not receive this message due to a dropped call or lost signal, check your accounts and resubmit any transactions that did not process.
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14. What do I need to do if I get a new phone?
If you get a new phone, but are using the same phone number and provider, no changes are required. If you switch providers and/or phone numbers, simply log in to St. Mary’s online banking, go to Preferences and make any appropriate changes to your Mobile Settings.
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15. How can I search for a transaction?
While there is no search feature in mobile banking, you will be able to view 15 days worth of transaction history on your mobile device.
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16. Can I use any mobile device to access my accounts?
Yes. You can access your accounts via any mobile device that is web enabled and allows secure web browsing. However, the text messages will be sent to the mobile device that was registered during activation.
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17. Trouble Shooting? There are a number of reasons you may experience trouble accessing the mobile version of Online Banking on your phone. Verify the following:
- Enrollment in St. Mary’s Online Banking
- Your mobile device is web enabled
- Your mobile network allows secure web browsing. (You may need to contact your mobile provider to determine this.)
Contact your cell phone provider for assistance and verify your telephones capabilities.
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