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Mobile Banking Frequently Asked Questions

General Questions

Standard text messaging rates/data usage from your carrier.

We support all the popular US wireless phone carriers, including AT&T, Sprint, T-Mobile, USCellular 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.

You must first enable your bank account(s) for online banking before using mobile.

Yes, the mobile banking service utilizes best practices from online banking, such as HTTPS, 128-bit SSL encryption, 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. And in the event your phone is lost or stolen, the service can be immediately disabled by either going online to the Mobile Banking enrollment website or calling us.

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.

Activation is a one-time process that helps ensure your security. An activation code is issued to you on the online enrollment site. You will need to enter this code on your device to begin text banking. You may also need to enter this code for mobile banking if you don't use challenge question(s) for online banking. If you use challenge questions for online banking, you can enroll for mobile banking directly from your mobile phone without an activation code. We recommend you print your activation code and installation instructions for easy reference during installation.

Mobile Banking Questions

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, pay bills and find nearest ATM or branch locations.

Sign in to Online Banking on your computer and choose the Mobile Banking option. Enroll your mobile phone and follow the instructions. If you use challenge questions for online banking, you can enroll for mobile banking directly from your mobile phone by entering the mobile web URL (m.moundcitybank.com).

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

At the time of activation, a "cookie" is stored on your phone's browser which allows the Mobile Banking system to remember that you 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 79680. If Mound City Bank supports enrollment on your mobile phone, you will not need to provide an activation code. However, you may be asked to enroll again due to issues with cookies.

We recommend 3 steps for an optimal experience: 1) Ensure your phone's browser has cookies enabled. 2) Enable stylesheets on your browser. 3) Bookmark our Mobile Banking site.

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, Android and BlackBerry. Both mobile web and mobile applications can be found by entering the mobile web URL (m.moundcitybank.com) in your phone's browser.

There are two easy ways to navigate links. You can either click on the link or enter the associated "accelerator key" number. Just type the number to quickly navigate to the link's destination. Accelerator key numbers appear next to many, but not all of the content links.

  • Your phone will receive a text message from 79680. Select to view (or open) the message (you can also view it later by going to your phone's text message inbox).
  • Select the URL link -- m.moundcitybank.com -- in the text message. This is typically done by selecting a command on your phone's menu, such as "Connect" or "Go To."
  • You will then be brought to a page with a Download link. Click this link to download the application.
  • When finished, you will be notified that the download completed.
  • After launching the application for the first time, you may be asked to give permission to access the data network. You will need to grant permission in order to proceed.

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.

Yes. Visit the Mobile Banking Center and simply add another phone number.

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

All text messages should be sent to 79680

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

Function Command Description
Balance B Summary of available balances for all accounts.
History H Summary of recent transactions per account.
Command C List of available Text Banking commands.
Help HE Help content for Text Banking.
Login L Receive a URL for the Mound City Bank Mobile browser website.
Recover R Receive a URL and new activation code for the Mound City Bank Mobile browser web site.
Stop S De-activate all Mound City Bank text services.

Troubleshooting

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 wireless signal. In addition, be sure you entered the correct phone number on the enrollment site. If you still do not receive it, try to enroll again. If the problem continues, contact your wireless carrier to be sure text messaging is enabled on your phone.

If you get a new phone or change phone numbers, be sure to return to Mobile Banking website via your PC and update your phone profile in the Mobile Banking Center. We recommend removing your old phone and re-enrolling your new phone.

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.

Generally, clearing browser cache, history and cookies from the device and retrying the login will resolve this issue.

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

Yes. Visit the Mobile Banking Center and simply enroll (and then activate) another phone number.

At the time of activation a "cookie" is stored on your phone's browser which allows the Mobile Banking system to remember that you 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 79680. If Mound City Bank supports enrollment on your mobile phone, you will not need to provide an activation code. However, you may be asked to enroll again due to issues with cookies.