Union State Bank
 

Mobile Banking FAQ

General

How much does this service cost?

There is currently no charge associated with the service. However, there may be charges associated with text messaging and data usage on your phone. Check with your wireless phone carrier for more information.

Is it secure?

Yes, the Mobile Banking service utilizes best practices from Online Banking, such as HTTPS, 128-bit SSL encryption, PIN, or password access and application time-out when your phone is not in use. Only the phones that you personally enroll in the service can access your accounts. In addition, no account data is ever stored on your phone. In the event your phone is lost or stolen, the service can be immediately disabled by going to the Mobile Managment page through Online Banking or by calling us.

Which wireless carriers are supported?

We support all the popular US wireless phone carriers, including AT&T, Sprint, T-Mobile, and Verizon. If your carrier is not listed when you enroll, select 'Other' and try the Mobile Web option, or check back later, as new carriers will be added over time.

Do I need a text message or data plan?

Yes, a text messaging and/or data plan is typically needed, as data usage can become expensive without them. Please check with your wireless carrier for more information.

I'm not enrolled for Online Banking. Can I still use this?

You must first enable your bank account(s) for Online Banking before using Mobile Banking.

What is Activation?

Activation is a one-time process that helps ensure your security. After you enroll a phone, you will receive an activation code which will be required to begin using Text or Mobile Banking on your device. We recommend you print your activation code and installation instructions for easy reference during installation.

Mobile Banking

What is Union State Bank Mobile Banking?

Mobile Banking gives you access to your accounts from your mobile web browser or a downloadable mobile banking application, depending on your preference and your phone capabilities. Both options allow you to: view account balances, search recent account activity, transfer funds, and find nearest ATM or branch locations.

How do I access Mobile Banking on my phone's browser?

After successful activation, your phone will receive a text message with your Mobile Banking URL. You can visit the site at any time at umobilefargo.com.

How do I sign up for Mobile Banking?

Sign in to Online Banking on your computer and choose Mobile Management under All Services and Settings. Enroll your mobile phone and follow the activation instructions.

I activated Mobile Banking on my phone's browser. Why am I being asked to activate again?

At the time of activation, a "cookie" is stored on your phone's browser which allows the Mobile Banking system to remember that you are activated. The cookie is only visible by the Mobile Banking system and does not contain personal information. Some phones may require you to enable cookies or periodically erase them, requiring reactivation. If you are experiencing this issue, check your phone settings to ensure that cookies are enabled. If cookies are enabled and the issue persists, please contact your mobile network carrier for cookie support information on your mobile phone. If you would like to reactivate, text R or RECOVER to 96865.

How do I optimize my mobile web experience?

Ensure your phone's browser has cookies enabled. In addition, enable stylesheets for the best viewing experience.

Is Mobile Banking supported on my phone?

Mobile Banking is supported on most phones with a mobile web browser that supports cookies. In addition, the mobile application is available on many smartphones including: iPhone and Android. Both mobile web and mobile applications can be found by entering the mobile web URL (http://umobilefargo.com) in your phone's browser.

How do I install the downloadable iPad application?

  • After enrolling with Mobile Banking, you will be provided a link to download the application.
  • If you are using your computer to enroll in Mobile Banking, click on the link provided and download the application from the iTunes Store. Then sync your iPad device with iTunes to install the application.
  • If you are using your tablet to enroll in Mobile Banking, simply tap on the link provided and download the application from the App Store.

Text Banking

What is Union State Bank Text Banking?

Text banking gives you access to your accounts via text (SMS) messages on your phone. It's a fast, easy way to look up account balances or recent account history by sending a text command to a shortcode.

What is Union State Banks shortcode?

All text messages should be sent to 96865.

Can I use both Text Banking and Mobile Banking on my phone?

Yes, you can use both options from the same phone. To do so, you will need to activate each option on your phone prior to use.

Is Text Banking supported on my phone?

Text Banking will work on any text message (SMS) capable phone from one of our supported carriers.

Will I receive unsolicited text messages?

No. You will only receive messages when you specifically request them with one of the Text Banking commands or if you subscribe to Text Alerts.

What are the Text Banking commands?

Function Command Description
Balance B Check the balance of all your accounts
History H See the recent transactions on each account
Command C Get a text of all the available text banking commands
Help HE Troubleshoot text banking
Login L Unlock mobile banking with a Union State Bank
Stop S Deactivate text banking

NOTE: You can check for additional available commands by activating your phone and sending C to 96865.

Troubleshooting

I enrolled my phone number but did not receive a text message. What should I do?

Typically you should receive a text message within a few minutes after enrolling, however sometimes mobile carriers experience delays which slow down text message delivery. While waiting, make sure your phone has a wireless signal. In addition, be sure you entered the correct phone number on the Mobile Banking enrollment site. If you still do not receive it, contact your wireless carrier to be sure text messaging is enabled on your phone.

I received an activation code but never used it. What do I do now?

Activation codes expire after a specific period of time (usually 24 hours). If you need a new one, return to the Mobile Banking enrollment website and request a new activation code.

What happens if I get a new phone or change phone numbers?

If you get a new phone or change phone numbers, be sure to return to the Mobile Banking enrollment website on your computer and update your mobile device. We recommend removing your old mobile device and re-enrolling your new one.

Can I use Mobile Banking or Text Banking on more than one phone?

Yes. Visit the Mobile Banking enrollment website and simply enroll (and then activate) another device.

I activated Mobile Banking on my phone's browser. Why am I being asked to activate again?

At the time of activation on your phone's browser, a cookie is generated which always tells the Mobile Banking system that you are activated (thus allowing you to proceed to the sign on screen). However, some mobile phones will periodically erase all cookies, requiring you to reactivate. If you are experiencing this issue, check your phone settings to ensure that cookies are enabled.

What if my device is lost or stolen?

If you are concerned about misuse of your phone, contact your mobile service provider immediately to stop all wireless service. Additionally, sign on to Online Banking and disable or remove your phone.

Do I need to re-enroll my mobile phone after I purchase a new phone?

Yes. Sign in to Online Banking on your computer and under All Services and Settings select Mobile Management to re-enroll.