Mobile Banking keeps you in control
Mobile Banking is the ultimate on-demand service. With it
you can now monitor your accounts using your mobile phone... receive
alerts, view accounts, even transfer funds whenever you need to.
Wherever you happen to be. You decide how you'll use it! Request a
text message be sent if your balance falls below $50 or when your
direct deposit is in your account!
Watch the video below
to find out more!
And you don't need Internet access on your phone to take advantage
of Mobile Banking. You can send a simple text message to:
and data rates may apply.
If you do have Internet access from your phone,
it gets even better. You can log on to:
funds between accounts
pay your bills!
With Mobile Banking, your information is fully secure.
Mobile Banking is as secure as a vault. With multiple layers of
authentication, you'll never have to worry about the wrong people
getting your information. A personal password and phone activation
code keep your information safe.
Mobile Banking is available to anyone currently enrolled for our
Online Banking service. To enroll, log on to Online Banking and
select Mobile Banking and then SIGN UP.
What is Mobile Banking?
Mobile Banking is our mobile service that brings banking to your
phone. Mobile Banking allows you to monitor your account from your
phone at any time.
What can I do with Mobile Banking?
Mobile Banking allows you to:
My phone doesn't have Internet access. Can I still use
Yes. All you need is a phone with text messaging. You can receive
account alerts and send a text to view account balance or
SMS Text Banking messages are not encrypted and there is no
application time out. If your phone or device is lost or stolen, you
should deactivate the service. Unless the service is deactivated, it
may be possible for another person in possession of the phone to
view any text messages stored on the device, and see information
such as account balances and recent history.
How do I enroll in Mobile Banking?
Log on to Online Banking. Select Mobile Banking and then SIGN UP.
Make sure you have your phone handy.
Are there guidelines for creating account "nicknames"?
During enrollment, you are given the option of providing "nicknames"
for your accounts. Choosing an appropriate nickname is especially
important if you use the SMS text service for Mobile Banking,
because your HIST inquiries use the nickname. It's also included in
the account history message returned by the financial institution.
For this reason, the nickname should be as short as possible. There
is a maximum of ten characters, and fewer than five is recommended
if you plan to use the SMS text service.
An SMS text message can contain only 160 characters total. Using as
few as possible in your account nickname helps ensure that your
account information will fit into a single message.
How do I access Mobile Banking?
Once you enroll for Mobile Banking, you'll receive a text message
with instructions on how to get started.
What phones are supported for Mobile Banking?
Any phone with text messaging capabilities can take advantage of
Is Mobile Banking secure?
Yes. A personal password and phone activation code keeps your
No non-public personal data is sent to or stored on the mobile
banking devices and sensitive information is not available even if
someone else gains access to the device. However, you should help
protect your personal information by keeping the following
guidelines in mind:
1. SMS Text banking uses the phone number associated with your
device for authentication. If the device is lost or stolen, you
should deactivate your SMS Text banking service immediately. If the
service remains active, another person in possession of the phone
can use your SMS Text banking service to see account balances and
2. Do not store text messages from SMS Text banking. They could be
read by another person, and may contain information such as our
contact SMS Text number and account nicknames that would allow
another person to access your SMS Text banking.
3. Do not store your Internet banking password in the device
browser. Storing the password would potentially allow another person
to follow the bookmark and log in. Quit out of the browser after
each Internet banking session to erase session information and keep
an unauthorized person from using the "back" browser function to
re-enter your Online banking.
Can I use Mobile Banking on more than one phone?
Yes. You can add phones, change services or cancel at any time from
the Mobile Banking setup screen.
Text Messaging Cheat Sheet -
Text one of the following Messages to 31727
Questions about Mobile Banking
If you have questions or concerns about Mobile Banking, please
contact your local branch
or call Carroll County State Bank at 712-792-3567 or Council Bluffs
Savings Bank 712-322-1700 during normal banking hours.
You must be enrolled in
Council Bluffs Savings Bank's Online Banking service to use the Mobile
Banking Website or Mobile Banking Text Messaging.
You may be charged access rates depending on your carrier. Web access is
required to use Mobile Banking. Check with your service provider for
details on specific fees and charges.