Mobile Banking FAQ
Find answers to some of our most frequently asked questions about mobile banking below. We hope this knowledge bank empowers you to make the most of our mobile banking solutions. However, if you’re still wondering about a particular feature, please don’t hesitate to reach out to us directly.
General
What Is Mobile Banking?
Mobile Banking allows anyone with an online banking account to access their account information from a mobile phone. Mobile Banking offers three ways to access your accounts:
- Send a text message.
- Use a mobile browser on your phone.
- Download an application to your phone.
You can choose any or all of these options, depending on the capabilities of your mobile phone. You can also receive text alerts on your phone. Message and data rates may apply.
Text Messaging Service
You can use the text messaging service to:
- Check your account balances.
- Review recent account activity.
- Find ATM and branch locations.
- Message and data rates may apply.
Requirements
To use the text messaging service, your phone must send and receive text messages to and from a short code. Most mobile phones 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. Message and data rates may apply.
A few service carriers are blocking the Mobile Banking service. If your carrier is not one of the major U.S. carriers (AT&T, SprintPCS, T Mobile®, U.S. Cellular®, and Verizon Wireless, Metro PCS), you may want to check with your carrier to make sure you can use the service. All major U.S. carriers, and most secondary ones, support the Mobile Banking service.
Mobile Browser Service
You can use the mobile browser service to:
- Check your account balances.
- Review recent account activity.
- Transfer money between accounts.
- Pay bills.
- Change and cancel pending payments.
- Find ATM and branch locations.
Requirements
To use the mobile browser service, your phone must have an Internet browser and may require a data services plan. Message and data rates may apply. You access the Mobile Banking website from a link that we send you during registration.
Downloadable Application
You can download the Mobile Banking application to your phone. The application offers all the features of the mobile browser service. Message and data rates may apply.
Requirements
To download the Mobile Banking application, your phone must have an operating system that supports application downloads and may require a data services plan. Message and data rates may apply. You download the Mobile Banking application from either the Apple Store or Google Play.
Alerts Service
You can receive automatic alerts with information about your accounts. For example, we can send you an alert when your account balance goes below a threshold amount. You can receive alerts on your mobile phone. Message and data rates may apply.
Is Mobile Banking Secure?
To ensure the safety and privacy of your account information, we provide some key security features in Mobile Banking:
- Unique Activation Code – We send you a unique activation code to verify your phone number. This code associates your mobile phone with your account. This verification also lets you know your mobile phone number has been successfully registered in our system.
Message and data rates may apply. - Authentication – You are authenticated for every interaction with Mobile Banking.
- Encryption- We use 128-bit encryption for all transactions.
- Fraud Detection – We incorporate mechanisms such as transaction validation and transaction reconciliation processes to detect fraud.
- Auditability – We provide full audit capabilities through event logs and event-based reporting.
- No Identifiable Information – We don’t return any personally identifiable information in a text message, such as your full account number, e-mail address, or personal address. We never ask for or include your user ID or password in any message we send. Message and data rates may apply.
Is My Personal or Financial Information Stored on My Phone?
No. We don’t save any files with your personal or financial information on your phone. That information stays strictly within online banking.
For some phones we have logo and branding files that we copy to your phone. Those files do not contain any personally identifiable information.
Are There Fees to Use Mobile Banking?
We don’t charge fees to access or use Mobile Banking. You should contact your mobile service carrier for information about fees associated with sending or receiving text messages or accessing the Internet from your mobile phone. Message and data rates may apply.
Which Accounts Can I Access in Mobile Banking?
You can access any account you’ve set up in online banking. When you register for Mobile Banking, you can choose which accounts you want to access.
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. We don’t show any pending transactions.
Can I Add More Than One Mobile Phone?
Yes. You can register several mobile phones for Mobile Banking.
To add a new phone, go to online banking and access the Mobile Banking pages. On the My Phones page, select Add New Phone.
What If My Phone Number Changes?
If your mobile phone number changes, go to online banking and access the Mobile Banking pages. On the My Phones page, find the old phone number and select the option Change my phone number.
What If My Phone Is Lost or Stolen?
If your mobile phone 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 Mobile Banking on your phone, go to online banking and access the Mobile Banking pages. On the My Phones page, find the phone number and select the option Stop using this phone for Mobile Banking.
Which Phones Can I Use for Mobile Banking?
We support hundreds of models for these major brands: iPhone, HTC, Huawei, LG, Motorola, Samsung. We support phones on the following operating systems: Android and iOS.
Which Mobile Service Carriers Support Mobile Banking?
Mobile Banking works on all major mobile service carriers in the U.S.: AT&T, SprintPCS, T Mobile®, U.S. Cellular®, Verizon Wireless and MetroPCS. Mobile Banking also works on a number of the smaller service carriers, including (but not limited to) Boost Mobile, Cricket Wireless, 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 so you won’t be able to use the SMS text message service of Mobile Banking with T-Mobile prepaid.
How Do I Stop Using Mobile Banking on My Phone?
To stop using Mobile Banking on your phone, go to online banking and access the Mobile Banking pages. On the My Phones page, find the phone number and select the option Stop using this phone for Mobile Banking.
Mobile Check Deposit
What Is Mobile Check Deposit?
Mobile Check Deposit allows you to make single deposits to an eligible account electronically by using a supported mobile device with a camera to create an image of a paper check and transmitting it and the related deposit data to us using the Manasquan Bank Online Banking app.
What Types of Checks Can Be Deposited?
We can accept checks payable to you, drawn on a U.S. Bank. We cannot accept Official Checks, Checks or items containing obvious alterations to any of the fields on the front of a check or item, or which a customer knows or suspects, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check or item is drawn, checks dated more than six months prior to the date of the deposit, or if a specific date is stated on the item, checks drawn on a financial institution located outside of the United States, checks not payable in U.S. currency, checks previously converted to a substitute check, as defined by Regulation CC, checks that are irregular (e.g., check amount number differs from the written amount), checks that are remotely created checks as defined by Regulation CC, checks with no Magnetic Ink Character Recognition (MICR) line, Traveler’s Checks, U.S. Postal Money Orders, U.S. Savings Bonds or Credit Card Cash Advance Checks. Any of these items will be automatically rejected by the Bank’s Mobile Remote Deposit Capture (MRDC) program and a customer will receive a corresponding error notice stating that the check or item cannot be processed.
How Much Can Be Deposited?
Your mobile check deposit limits vary for each eligible account. If you enter an amount that exceeds the deposit limit, then the app will show you the maximum amount you can deposit.
How Are Deposit Limits Determined?
Deposit limits are determined by key factors; including age of the account, deposit activity, overdraft history and account balance.
When Will Check Deposits Be Posted?
Your Mobile Deposit will appear in your account history the business day after your deposit is approved for processing.
When Will Funds Be Available?
When your check deposit is received by 4 PM EST and is approved for processing, your funds will be available in 2 business days, excluding Saturday and Sunday.
How Should the Check Be Endorsed?
Endorse the check as shown on the “Pay to the Order” line and add “For Manasquan Bank Mobile Deposit Only”. All deposits are subject to verification and may be adjusted upon review.
Whats Happens to the Paper Check?
It is the responsibility of a customer to safely retain original checks in a secure environment where others cannot gain access to them until the customer has verified that their account has been credited. Once the deposit has been credited, the customer is to make a note on the face of the original check by prominently writing “Deposited via Remote Deposit” to ensure that it cannot be re-presented for payment. After 14 days, the customer must destroy the original check.
It should be noted that customers do not receive a specific type of notification from the Bank when a check has cleared (e.g., e-mail, text message, etc.).
Registration
How Do I Get Started with Mobile Banking?
You can register for Mobile Banking through your online banking service. Be sure to turn on your mobile phone and make sure it’s ready to receive text messages. Message and data rates may apply. When you register for Mobile Banking, you can choose which:
- Services you want to use.
- Accounts you want to access.
During registration, we send you a text message with a unique activation code to verify your phone number. Message and date rates may apply. This code associates your mobile phone with your account. To complete registration, enter the activation code that we send you. This verification lets you know your mobile phone number has been successfully registered in our system.
You can also call (844) 626-2265 to assist you with the registration process.
Do I Have to Agree to the Terms and Conditions to Use Mobile Banking?
Yes, you must read and accept our terms and conditions. If you have any questions about the points of our terms and conditions, call (732) 223-4150
Can I Register Multiple Users to the Same Phone?
For security reasons, only one user can register per phone. However, once you complete the registration process, you can add more phones to your account.
I Received My Activation Code But Never Used It. What Should I Do?
Your activation code expires 24 hours after we send it to you. However, you can always request a new activation code. Go to online banking and access the Mobile Banking pages. On the My Phones page, find the phone number and select the option
Get new activation code. We’ll send you a text message with a new activation code. Message and data rates may apply.
I Haven’t Received the Activation Code on My Mobile Phone. What Should I Do?
Check the mobile phone number you entered during registration. If it is correct, here are some other options for resolving the issue:
- Verify that your mobile phone is on and able to receive text messages. Check with your mobile service carrier if you’re not sure you can receive text messages. Message and data rates may apply.
- Contact your mobile service carrier and make sure your phone can send and receive messages to and from a standard U.S. short code Message and data rates may apply.
- Request a new activation code. Go to online banking and access the Mobile Banking pages. On the My Phones page, find the phone number and select the option Get new activation code. We’ll send you a text message with a new activation code. Message and data rates may apply.
- . We’ll send you a text message with a new activation code. Message and data rates may apply.
If you’re still having problems with the activation code, call (732) 223-4150 for assistance.
Alerts
What Are Alerts?
You can set up alerts to notify you when select activity occurs on your accounts. For example, we can send you an alert when your account balance goes below a predetermined threshold amount, such as $50. You can receive alerts on your mobile phone or at an e-mail address. Message and data rates may apply.
What Is the Difference Between the Text Messaging Service and the Alerts Service?
The text messaging service allows you to request account balances, transaction history, and ATM and branch location information any time from your mobile phone. We send text message responses to your phone. Message and data rates may apply.
The alerts service sends automatic notices to your mobile phone with information about your accounts. For example, we can send you an alert when your account balance goes below a threshold amount. Message and data rates may apply. You choose which alerts you want, and we’ll send the alerts based on the time zone selected in your Mobile Banking profile.
If you’ve registered your phone to receive alerts, you automatically have access to the text messaging service. Message and data rates may apply.
How Do I Stop Receiving Alerts?
To stop receiving alerts on your phone, text “STOP” to 48179.
Text Messaging Service
What Do I Need to Use the Text Messaging Service?
To use Mobile Banking’s text messaging service, you must:
- Have an online banking account.
- Have a mobile phone that supports SMS text messaging and short codes. Message and data rates may apply.
- Register for Mobile Banking and select the text messaging service. Message and data rates may apply.
- Have a mobile phone that supports SMS text messaging and short codes. Message and data rates may apply.
Why Are My Mobile Banking Text Messages Coming From 48179?
You receive all Mobile Banking text messages from 48179. To make it easier to recognize our text messages, add us to your contact list with the short code 48179.
Are the Keywords Case-Sensitive?
No. Whether you type “BAL” or “bal” we send a response with your account balance information.
What Does a Typical Request and Response Look Like?
Balance Request
Sample Request
bal
Sample Response
ABCU Mobile Banking
BAL @ 1207 14:59
*1254 CHK1 $3,849.27
*5764 CHK2 $2,555.02
*4254 SAV1 $14,116.00
Reply STOP to cancel.
Transaction History Request
Sample Request
TRAN CHK1
Sample Response
ABCU Mobile Banking
TRAN CHK1
1207 14:50
1207 PMT -$5.55
1205 WDL -$50.00
1201 DEP $100.00
Reply NEXT. Msg&Data rates may apply
What Should I Do iIf I Don’t Get a Response to a Request?
Make sure you’re sending text messages to 48179. Check the keyword and any additional information required for the request, such as the financial institution’s identifier, account nickname, or address.
What Is a Short Code?
A short code is a shortened version of a phone number. A short code is generally five or six numbers in length. Five-digit short codes range from 20000 to 99999; six-digit short codes range from 222222 to 899999. You can send and receive text messages from a standard U.S. short code as well as a traditional phone number. Message and date rates may apply.
What Do You Mean When You Say, "Message and Data Rates May Apply"?
Every mobile service carrier has a different rate plan for text messaging and data services access. You may be charged per use, or pay a flat rate for unlimited usage each month. You may also have different fees for text messaging and data services access.
Please contact your mobile carrier directly if you aren’t sure what fees you will be charged to use Mobile Banking.
Where Do I Send My Text Messages?
Send all text messages to 48179.
What Are the Text Messaging Keywords and How Do I Use Them?
Keywords are the text messages you send to request account information or ATM and branch locations. Message and data rates may apply.
Account Balance Requests
Keywords: B, BAL, BALANCE, BALANCES
Check the balances for all accounts you’ve registered in Mobile Banking.
Transaction History Requests
Keywords: STMT, TRAN, HIST (account nickname)
Check the most recently posted transactions of the account you specify with the account nickname. For example, TRAN SAV1.
Keywords: NEXT, MORE
If your transaction history response message ends with “Reply NEXT” text NEXT or MORE to view more transactions.
If your transaction history response message ends with “Reply NEXT” text NEXT or MORE to view more transactions.
ATM and Branch Location Requests
Keywords: ATM, BRANCH, BOTH (address)
Find ATMs, branch locations, or both near an address that you specify. You can enter:
- ZIP Code
- City and ZIP Code
- City and State
- Street, City, and State.
If your ATM and branch location response message ends with “Reply NEXT” text NEXT or MORE to view more locations.
Help Requests
Keywords: HELP, HLP
Provides information about the Mobile Banking keywords.
Stop Requests
Keywords: STOP, END, CANCEL, UNSUBSCRIBE, STOP ALL
Stop receiving Mobile Banking alerts. Text:
- STOP BNKG to cancel banking alerts.
- STOP MKTG to cancel marketing alerts.
- STOP ALL to stop all alerts.
Can I Send a Keyword via Email?
No, keywords and text messages are not supported using e-mail. The two-way feature of our text messages works only with mobile phones. Message and data rates may apply.
Why Are My Results Sent as Multiple Messages?
Text messages are limited to 160 characters. Sometimes we can’t send all your account information in one message because it exceeds the character limit. In this case, we send your account information in multiple messages – no more than five at a time. Message and data rates may apply.
I Received My Results in Multiple Messages. Some Arrived Quickly, But Others Didn’t. Why?
If you receive one message, it means we’ve sent all the response messages to you, and you should receive them shortly. It may take a few minutes to receive them all, depending on your mobile service. If you haven’t received all your messages after a few minutes, please let us know. If the problem persists, you may want to contact your mobile service carrier.
I Have Text Messaging Enabled on My Mobile Phone. Why Can’t I Receive Mobile Banking Text Messages?
Your mobile service carrier may be blocking short codes, or you may have blocked short codes in your phone options. You must have short codes enabled to use Mobile Banking. (Short codes are abbreviated phone numbers, usually five digits, we use to send Mobile Banking messages.) Check your phone options and then contact your mobile service carrier to ensure they aren’t blocking short codes. Message and data rates may apply.
Mobile Browser Service
What Do I Need to Use the Mobile Browser Service?
To use Mobile Banking’s browser service, you must:
- Have an online banking account.
- Have a mobile phone that supports web browsing.
- Have a wireless data plan with your mobile service carrier.
- Register for Mobile Banking and select the mobile browser service.
Mobile Banking is optimized for a wide range of phones—providing a rich and interactive interface on touch screen phones, such as the iOS and Android.
How Do I Access the Mobile Banking Website?
During registration we send you a unique website address (URL) that is intended only for you. Message and data rates may apply. The website URL will only work on the phones you’ve registered in Mobile Banking. Be sure to bookmark this address in your phone’s web browser so you can easily return to it.
I Can’t Find My Link to the Mobile Banking Website. What Should I Do?
If you can’t find the message that we sent during registration with the unique URL for Mobile Banking, you can request another message. Go to the My Phones page in online banking, find the phone number, and select the option Get a link to the Mobile Banking website. Message and data rates may apply.
When I Click the Link for the Mobile Banking Website, Nothing Happens. What Should I Do?
Every mobile phone and mobile network is different, so you may not be able to click on a link in a text message.
Try these troubleshooting tips:
- Open the text message and click Send or Go on your phone to access the website URL. Then click the address to go directly to the website. Message and data rates may apply.
- Open the text message and write down your unique website URL. Type the URL in your phone’s web browser to go directly to the website. Message and data rates may apply.
If you still can’t access the Mobile Banking website, please contact your mobile service carrier.
Downloadable Application Service
What Do I Need to Download the Mobile Banking Application?
To download the Mobile Banking application, you must:
- Have an online banking account.
- Have a mobile phone that supports downloaded applications. Message and data rates may apply.
- Have a wireless data plan with your mobile service carrier.
Mobile Banking is optimized for iPhones, Androids, and many other types of phones. However, some carriers don’t support application downloads to certain types of phones. If you have any problems downloading Mobile Banking, check with your carrier to make sure it is supported on your phone.
Download the Manasquan Bank App as you would any other application from the Apple Store or Google Play. After you download and install the application, we send you an activation code. Enter the activation code in the Activation Code text box. Click the link to launch the application and go to the Login page.
When I Click the Link to Download Mobile Banking, Nothing Happens. What Should I Do?
Every mobile phone and mobile network is different, so you may not be able to download Mobile Banking to your phone. If you’re having trouble, contact your mobile service carrier to make sure your phone supports application downloads.