Mobile Banking: Frequently Asked Questions
- Is Mobile Banking secure?
Mobile Banking employs industry best practices with regards to security. It has been assessed against industry security criteria by a number of independent system security experts. At a high level, Mobile Banking offers the following security safeguards:
- Authentication - Mobile browser and application solution customers are authenticated for every interaction with any Mobile Banking component. Customers are authenticated by username and password or by utilizing existing login credentials for single sign-on.
- Encryption - 128-bit encryption is used for all transactions within Mobile Banking.
- Fraud - Mobile Banking incorporates mechanisms such as transaction validation and transaction reconciliation processes to detect fraud.
- How do I download the Mobile Banking app on my phone?
During enrollment within Online Banking, you will be provided a code and a link to download the app. If you download Touch Banking in the App Store without first enrolling via Online Banking, the download will not work.
After enrolling within Online Banking, open Google Play or the App Store on your device and search for "Touch Banking". Download our Touch Banking app as you would any other application from the App Store. Once the application is installed, you will need to register using our App Code and your Online Banking username.
First Montana Bank's App Code is: firstmontana
You will also need to answer one of your Multi-Factor Authentication questions during activation, these are the same questions you use when logging in to Online Banking. Once the app is activated, you can login using your Personal Online Banking login credentials.
Every mobile device and mobile network is different, so you may not be able to download Mobile Banking to your mobile device. If you are having trouble, contact your mobile service carrier to make sure your mobile device supports application downloads.
- Is my personal or financial information stored on my phone?
No. Mobile Banking does not save any files with personal or financial information on your mobile device. That information stays strictly within Online Banking. Some phones (e.g., BlackBerry, Android) have logo and branding files that are copied to the mobile device. Those files do not contain any personally identifiable information.
- Which accounts can I access using Mobile Banking?
You can access any personal checking account you have set up in Online Banking. You select which accounts you want to access using Mobile Banking during the enrollment process.
- 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. Pending transactions do not display.
- Can I add more than one mobile phone?
Yes. You can enroll several mobile devices for Mobile Banking. To add a new phone, complete the steps in the Mobile Banking Enrollment section.
- What if my phone number changes?
If your mobile phone number changes, simply update your mobile phone number in Mobile Banking. To update the mobile phone number, log in to Online Banking and click on the Options link. Locate the Mobile Banking Profile section, click manage devices. Select the My Phones tab, locate the old phone number, select Change my Phone Number from the drop down menu, click go. Enter the updated phone number, click continue. The activation screen is now displayed, enter the app code, and click Activate.
- What if my phone is lost or stolen?
If your mobile device 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 your mobile device, log in to Online Banking and click the Options link. Locate the Mobile Banking Profile section, click Mange Devices. Select the My Phones tab, locate the appropriate phone number and select Stop using this phone for Mobile Banking from the drop down menu, click go. Confirm that you wish to stop using this phone by clicking Yes.
- How do I stop using Mobile Banking on my phone?
To stop using Mobile Banking on your mobile device, follow the deactivation instructions above.
- Which phones can I use for Mobile Banking?
Hundreds of models are supported including these major brands: iPhone, BlackBerry, HTC, LG, Motorola, Nokia, Pantech, Samsung, Sanyo, and Sony Ericsson. Phones on a number of different operating systems are supported including, but not limited, to Android, BlackBerry, iOS, Symbian, Windows Mobile, Linux, Palm webOS, and Maemo.
- Which mobile service carriers support Mobile Banking?
Mobile Banking works on all major mobile service carriers in the U.S.: AT&T, Sprint, T-Mobile ®, U.S. Cellular®, and Verizon Wireless. Mobile Banking also works on a number of the smaller service carriers, including, but not limited to, Boost Mobile, Cricket Wireless, Metro PCS, 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.
- Are the keywords case-sensitive for text banking?
No. For example, whether "BAL" or "bal" is entered, a response with the account balance information is sent to the mobile device.
- What should I do if I do not get a response to a text banking request?
Ensure the text message is sent to FMBMT. Check the keyword and any additional information required for the request, such as the financial institution’s identifier, account nickname, or address.
- Why are my results sent as multiple messages?
Text messages are limited to 160 characters. If the account information exceeds the character limit the account information is sent in multiple messages - no more than five at a time.
- I have text messaging enabled on my mobile device, why cannot I receive text messages?
The mobile service carrier may be blocking short codes or you may have blocked short codes on the mobile device. Short codes must be enabled to use Mobile Banking. Short codes are abbreviated phone numbers, usually five digits, used to send Mobile Banking messages.
- When I click the link for the Mobile Banking website nothing happens, what should I do?
Every mobile device and mobile network is different, so you may not be able to click a link in a text message. Try these troubleshooting tips:
- Open the text message and click the Send or Go button on the mobile device to access the website URL.
- Click the address to go directly to the website.
- Open the text message and write down your unique website URL.
- Enter the URL in the device's web browser to go directly to the website.
If you still cannot access the Mobile Banking website, contact your mobile service carrier.