Mobile Banking Frequently Asked Questions

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Mobile Banking is a convenient, secure service that lets you access your account information and conduct transactions from a web-enabled wireless phone. The mobile banking interface is specially designed to provide optimal viewing on a mobile phone screen.

Below are common questions that users may have regarding mobile banking. Click here to visit our webpage with recommendations for mobile phone security.

Do I need to enroll to use Mobile Banking?
If you are enrolled in WebTeller, the credit union’s online banking service, you can use Mobile Banking. There is no additional enrollment required for Mobile Banking.

The Login Id and password for Mobile Banking are the same as your WebTeller Login ID and password. When typing uppercase letters in your password, be mindful of whether the Shift key is activated on your phone.

All terms and conditions applicable to WebTeller also apply to Mobile Banking.

How do I start using Mobile Banking?
Mobile Banking is offered in two formats – a Web Access (WAP) and an Application (APP) version. The WAP version is browser-based and can be used with any mobile phone that has Internet access. We also offer mobile banking Smartphone APPs for Android, BlackBerry, and the iPhone*.

To start using mobile banking, browse to our mobi site at http://hscu.shareteccu.mobi/.

Once on the mobi site, click on the menu item “Mobile Banking”. You will be prompted to enter your Login ID and password to login to Web Access (WAP) mobile banking. If you have an Android, BlackBerry, or iPhone*, a link for downloading the APP will appear below the Login button. Click on this link labeled “download” to initiate the APP download.

*iPhone App will be available soon, pending final approval from Apple.

What is the difference between Web Access (WAP) and Application (APP) versions of mobile banking?
Web Access uses the web browser on your phone. Web Access is very similar to using the web browser on your desktop or laptop computer to log into Web Teller. Instead of signing onto the full WebTeller site, you are signing onto a more compact version. Web Access is optimized for the smaller screens and speed limitations of mobile phones. With only a web browser needed for Web Access, most web-enabled phones will be compatible with the WAP version.

The Application (APP) version is a small software program that you download and install on your Smartphone. The Application is specifically designed for mobile banking tasks. It is generally faster than the WAP version because the interface is installed on the phone and only the data is refreshed through the Internet connection. The APP offers added features not found in Web Access. In order to use the Application version, you must have a compatible Smartphone. APP versions are available for Android, BlackBerry, and the iPhone

If you have a compatible Smartphone, you can use either or both the WAP and APP versions.

I received an email with the subject: Mobile Finance Manager Data File Registered. What is this message for?
Each time you successfully login to mobile banking WAP or APP versions from a new device, you will receive this message. This message simply indicates you have successfully registered the device with our mobile banking service.

Is there a charge to use Mobile Banking?
The credit union does not charge members to use our mobile banking service; however, depending on your mobile phone data plan, your wireless provider may charge for Internet access. Please confirm the parameters of your data plan with your wireless provider.

What services are available through Mobile Banking?
Web Access and Application versions provide these services:

• Check Account Balances
• View Transaction History
  • WAP – view last 30 days
  • APP – Default settings are: initial display = 30 days, additional days = 90 days
  • see HELP within APP for instructions on changing the initial download & additional download days. Requesting a large amount of history at once may time out your connection.
• Transfer funds
  
  • Transfer to another member’s account is not available (use WebTeller for this)
  • “Mail a check to me” is not available (use WebTeller for this)
• Make loan payments
• Take a loan advance
• Graphs – Income & Expenses or Account Balances (Android and iPhone APP only)
• Find branch locations, business hours, and telephone numbers
• Search for Surcharge Free ATMs

What security features are employed with Mobile Banking?
Your Mobile Banking/WebTeller account will be locked after 5 unsuccessful login attempts. Mobile Banking communication is encrypted by 128-bit SSL encryption to prevent cell phone scanning. The OFX Connection to the credit union’s server is the same as that used by Quicken®. OFX is the industry standard for consumer and small business online banking.

Web Access Mobile Banking will time out after a 15 minute period of inactivity.

Due to limitations on certain Smartphones, the APP version of mobile banking does not automatically close after a time out period. However, after a 15 minute period of inactivity, you will be returned to the login screen and prompted to re-enter your password. Our mobile banking APP version does not permit users to save passwords in the application.

We strongly encourage you to also implement general security measures on your mobile phone, including a screen or keypad lock. Click here to view a list of recommended security measures for mobile phones.

What happens if I get locked out of Mobile Banking?
If you are locked out of your account while using Mobile Banking, please call the credit union (800-928-4328) to have your account unlocked.

Can I change my Login ID or Password in Mobile Banking?
You must login to WebTeller to change your Login ID or Password. You can access WebTeller through the web browser and Internet connection on your mobile phone.

I noticed the mobi site is not HTTPS:// should I be concerned about this?
Our mobi site http://hscu.shareteccu.mobi/ is not encrypted because no sensitive information is passed to or from this mobi site. However, once you click on the “Mobile Banking” link on the mobi site, and are brought to the login page for Mobile Banking Web Access, you will see that the URL does begin with HTTPS:// and the padlock appears to indicate a secure encrypted connection.

How do I resolve connection problems when trying to access mobile banking?
The Web Access version of Mobile Banking uses your phone’s mobile Internet connection to retrieve each web page. The Application version uses your phone’s mobile Internet connection to retrieve financial data. If you receive an error when connecting or a page does not load in the browser, check your phone’s Internet signal indicator and try moving to an area with better signal power.

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