Skip to content


What is Text Message Banking?

Text message banking is a service that enables you to retrieve information about your accounts from a mobile phone through text messaging (sometimes called SMS).

How does Text Message Banking work?

When you send a text message using your short code, you will receive a text message with the requested information.

How do I sign up for Text Message Banking?

Login to online or mobile banking and look for the Alert & Notifications/Push Notifications option to enroll.

Will I be charged for Text Message Banking?

We won't charge you, but standard carrier fees for text messaging may apply. Please check with your carrier if you aren't sure what fees apply when you send and receive text messages.

Which mobile service providers support this service?

The service works on all major mobile providers in the U.S., including, but not limited to:

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

Will Text Message Banking work on my phone?

Yes it will, as long as you have text messaging enabled with your mobile carrier and use a carrier that the service supports. Please check with your mobile carrier if you are unsure.

What is the shortcode and commands or keywords that I can use?

Text any of the following commands to shortcode 454545:

BAL = Primary account balance

BAL ALL = All account balances

BAL CHK = Checking account(s) balances

BAL SAV = Savings account(s) balances

LAST = Last 5 transactions

TRANS = Transfer funds to primary account

STOP = Deactivate service

HELP = Help on keywords

*keywords are NOT case sensitive

Is Help available through my mobile phone?

Yes, registered users should send the text command HELP to the shortcode 454545.

How long does it take to get a text message?

You'll receive a response immediately, usually within a minute. Exact timing and delivery will depend on your mobile service carrier.

Is there any password needed for Text Message Banking?

You don't need a password to access your account information via text message, but you do need a username and password for online banking to enroll in the service and activate Text Message Banking.

Is Text Message Banking currently available to all consumers?

Yes. Text Message Banking is available to all consumers who enroll in the service through Online Banking. While the service is free, please note that your mobile carrier's text messaging and web access charges may apply.

I have a new mobile phone number. Can I add or change my number online?

Yes. Sign on to online banking to add your new mobile number. Remember to Deactivate the old number first (if applicable).

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

Yes, after you set up the first number you can select the Activate another phone link on the Mobile Banking & Alerts page, then complete a simple two-step process.

What should I do if I lose my phone?

You can go to the Alerts & Notifications page within online banking and select the Deactivate link that is next to your mobile phone number. This will terminate the service for the mobile device. You can always return later and Activate a new phone.

I have disconnected my mobile phone or changed carriers. Will my service continue to work?

As a security precaution, you will not be able to use Text Banking until you sign on to online banking and re-verify your mobile phone.

Can I get alerts sent to my phone for activities that happen on my account?

Yes. You can set up notifications (not real time) in online or mobile banking under the Mobile Banking & Alerts tab and get weekly account notifications, alerts when your balance falls below a certain threshold, alerts when payments over a set threshold clear your account, and notifications when deposits hit your account. Notifications are sent three times a day, at 10am, 2pm and 6pm CT.

Is it safe to bank using the Text Message Banking service?

Yes. You can only activate the service after logging in to our online banking site. This service does not send text messages with any confidential information about you or your accounts. For example, account numbers are truncated in the text message.