Mobile Banking

Imagine banking at your fingertips, anywhere, anytime from your mobile device. That's Mobile Money from Security National Bank. It's easy to set up, provides greater freedom and it's every bit as secure as our traditional banking.

Mobile Money Devices & Functions | What is Mobile Money? | Mobile Security | eAlerts Service | FAQsQuick Steps | Mobile Money Tutorial

Mobile Money Devices & Functions

  

iPhone

Blackberry

Android

Non Smart Phone

View Account Balances

check mark

check mark

check mark

check mark

View Transaction History

check mark

check mark

check mark

check mark

Locate ATMS

check mark

check mark

check mark

check mark

Transfer Funds

check mark

check mark

check mark

 

Pay Bills

check mark

check mark

check mark

 

Receive Low Balance Alert

check mark

check mark

check mark

check mark

Receive Deposit Alert

check mark

check mark

check mark

check mark

Receive Transfer Alert

check mark

check mark

check mark

check mark

Devices

Mobile Money is supported on hundreds of models for these major brands: iPhone, BlackBerry, HTC, LG, Motorola, Nokia, Pantech, Samsung, Sanyo, and Sony Ericsson.

Operating Systems

Mobile Money is supported on several phone device operating systems including, but not limited to: Android*, BlackBerry, iOS, Symbian, Windows Mobile, Linux, Palm webOS and Maemo.

Networks

Mobile Money is supported on all major mobile service carriers in the US: AT&T, Sprint, T Mobile, U.S. Cellular, Verizon Wireless, Boost Mobile, Cricket Wireless, Metro PCS, Pioneer Cellular, Union Wireless and Virgin Mobile USA.

Back to top


What is Mobile Money?

Mobile Money allows anyone with an online banking account to access their account information from a mobile phone. Mobile Money offers three ways to access your accounts:

  • Send a text message.
  • Use a mobile browser on your phone.
  • Download an application to your phone.

You can choose any or all of these options, depending on the capabilities of your mobile phone. You can also receive text alerts on your phone.

Text Messaging Service
You can use the text messaging service to:

  • Check your account balances.
  • Review recent account activity.
  • Find ATM and branch locations.

Requirements
To use the text messaging service, your phone must send and receive text messages to and from a short code. Most mobile phones are capable of sending and receiving text messages, so your phone is most likely compatible with Mobile Money. Message and data rates may apply.

A few service carriers currently are blocking Mobile Money service. If your carrier is not one of the major U.S. carriers (AT&T, Sprint, T Mobile®, U.S. Cellular®, and Verizon Wireless), you may want to check with your carrier to make sure you can use the service. All major U.S. carriers, and most secondary ones, support the Mobile Money service.

Mobile Browser Service
You can use the mobile browser service to:

  • Check your account balances.
  • Review recent account activity.
  • Transfer money between accounts.
  • Pay bills.
  • Change and cancel pending payments.
  • Find ATM and branch locations.

Requirements
To use the mobile browser service, your mobile phone must have an Internet browser and may require a data services plan. You access the Mobile Money website from a link that we send you during registration.

Downloadable Application
You can download the Mobile Money application to your phone. The application offers the same features as those of the mobile browser service.

Requirements
To download the Mobile Money application, your phone must have an operating system that supports application downloads and may require a data services plan. You download the Mobile Money application from a text link that we send you during registration.

Back to top


Mobile Security

To ensure the safety and privacy of your account information, we provide some key security features in Mobile Money:

  • Unique Activation Code—We send you a unique activation code to verify your phone number. This code associates your mobile phone with your account. This verification also lets you know your mobile phone number has been successfully registered in our system.
  • Authentication—You are authenticated for every interaction with Mobile Money.
  • Encryption—We use 128-bit encryption for all transactions.
  • Fraud Detection—We incorporate mechanisms such as transaction validation and transaction reconciliation processes to detect fraud.
  • Audit-ability—We provide full audit capabilities through event logs and event-based reporting.
  • No Identifiable Information—We don't return any personally identifiable information in a text message, such as your full account number, e-mail address, or personal address. We never ask for or include your user ID or password in any message we send.

 Here are some recommended tips to help you secure your mobile device. 

  • Treat your Smartphone with the same care regarding passwords and security as your PC.
  • Install an antivirus app approved by your phone carrier.
  • Keep smartphones within your sight at all times.
  • Activate phone locking after a period of inactivity and use strong passwords or PINs for reactivation.
  • Utilize your phone's auto wipe feature if someone repeatedly enters incorrect passwords.
  • Back up Smartphone applications and content regularly.
  • Report Smartphone theft immediately so remote locking or remote wiping can be activated.
  • Avoid using smartphones over insecure Wi-Fi networks.
  • Keep Bluetooth out of discovery mode when not in use.
  • Avoid clicking on links in SMS and Email messages unless you have verified the sender.
  • Do not use a jail-broken phone or attempt to jailbreak your phone.
  • Only download approved apps for your device.
  • Only download apps you will use and research the credibility of any App you are not familiar with - look out for applications that seek access to things like contacts or location unnecessarily and to carefully read user application ratings before downloading.
  • Keep your phone's operating system and installed apps up to date.

Back to top


 eAlerts Service*

You can receive automatic alerts sent directly to your mobile device regarding account balances and transactions posting to your account.

  • Withdrawal Alert - Notifies you when a withdrawal has been posted to your account.
  • Deposit Alert - Notifies you when a deposit has been posted to your account.
  • Low Balance Alert - Notifies you when your account balance falls below your pre-set limit.
  • Overdraft Alert - Notifies you when your account is overdrawn.
  • Check Alert - Notifies you when a specific check number posts to your account.

 *eAlerts are setup using our full online banking website.  Standard message and data rates may apply. Please click here for more information concerning our eAlert service.

Back to top


 Mobile Money FAQs

Enrollment Questions | Text Messaging Service Questions | Mobile Browser Service Questions | Downloadable Application Service Questions

Is my personal or financial information stored on my phone?
No. We don't save any files with your personal or financial information on your phone. That information stays strictly within online banking.

Are there fees to use Mobile Money?
Security National Bank does not charge a fee to access or use Mobile Money however message and data rates may apply.

Which accounts can I access in Mobile Money?
You can access any account you've set up in online banking. When you register for Mobile Money, you can choose which accounts you want to access.

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. We don't show any pending transactions.

Can I add more than one mobile phone?
Yes. You can register several mobile phones for Mobile Money. Each phone enrolled will have access to all accounts for that profile or Access ID.

To add a new phone, go to online banking and access the Mobile Money pages. On the My Phones page, select Add New Phone.

What if my phone number changes?
If your mobile phone number changes, go to online banking and access the Mobile Money pages. On the My Phones page, find the old phone number and select the option Change my phone number.

What if my phone is lost or stolen?
If your mobile phone 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 Money.

To deactivate Mobile Money on your phone, go to online banking and access the Mobile Money pages. On the My Phones page, find the phone number and select the option Stop using this phone for Mobile Money.

What if I forget my password?
Your password for Online Banking and Mobile Money are the same.  You will need to change your password in Online Banking before you can access Mobile Money.  From a computer, attempt to log in to Online Banking at SNBconnect.com by entering you Access ID and select the “Forgot Your Password?” option.  Follow the process to select a new password. 

Which phones can I use for Mobile Money?
We support hundreds of models for these major brands: iPhone, BlackBerry, HTC, LG, Motorola, Nokia, Pantech, Samsung, Sanyo, and Sony Ericsson. We support phones on a number of different operating systems, including (but not limited to) Android, Blackberry, iOS, Symbian, Windows Mobile, Linux, Palm webOS, and Maemo.

Which mobile service carriers support Mobile Money?
Mobile Money works on all major mobile service carriers in the U.S.: AT&T, Sprint, T Mobile®, U.S. Cellular®, and Verizon Wireless. Mobile Money 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 Money?
Mobile Money works with most prepaid plans but we cannot guarantee that your carrier supports standard U.S. short codes. T-Mobile prepaid does not support short codes so you won't be able to use the SMS text message service of Mobile Money with this plan.

How do I stop using Mobile Money on my phone?
To stop using Mobile Money on your phone, go to online banking and access the Mobile Money pages. On the My Phones page, find the phone number and select the option Stop using this phone for Mobile Money.

Can I set up new billers in Mobile Money?
No. You can initiate payments only to billers you have set up previously in Online Banking.

Back to FAQs

Enrollment Questions

How do I get started with Mobile Money?
You can enroll for Mobile Money on a computer through SNBconnect.com, online banking service. Be sure to turn on your mobile phone and make sure it's ready to receive text messages. When you register for Mobile Money you will choose which:

  • Services you want to use
  • Accounts you want to access

During registration we send you a text message with a unique activation code to verify your phone number. This code associates your mobile phone with your account. To complete registration, enter the activation code that we send you. This verification lets you know your mobile phone number has been successfully registered in our system. Some carriers like Sprint and Verizon, may block 3rd party text or “Short Codes”.  If you have not received the text within 5-10 minutes, you will need to check the level of reception you are receiving and contact your carrier to verify if you have texting and if short codes are blocked.  The short code for Security National Bank is 96924.  Also, you can text HELP to 96924 to determine if you have premium text activated.

You can call 402-344-7300 and ask a Personal Banker to assist you with the registration process during normal business hours.

Do I have to agree to the Terms and Conditions to use Mobile Money?
Yes, you must read and accept our terms and conditions. If you have any questions about the points of our terms and conditions visit with a Personal Banker at any of our locations or call 402-344-7300.

Can I register multiple users to the same phone?
For security reasons, only one user can register per phone. However, once you complete the registration process, you can add more phones to your account.

I received my activation code but never used it. What should I do?
Your activation code expires 24 hours after we send it to you. However, you can always request a new activation code. Log on to your account at www.SNBconnect.com and access the Mobile Banking Profile section under User Options. Under the My Phones tab, find the phone number and select the option Get a link to the Mobile Banking website. We'll send you a text message with a new activation code.

I haven't received the activation code on my mobile phone. What should I do?
Check the mobile phone number you entered during registration. If it is correct, here are some other options for resolving the issue:

  • Verify that your mobile phone is on and able to receive text messages. Check with your mobile service carrier if you're not sure you can receive text messages.
  • Contact your mobile service carrier and make sure your phone can send and receive messages to and from a standard U.S. short code.
  • Request a new activation code. Log on to your online banking account and access the Mobile Money pages. On the My Phones page, find the phone number and select the option Get new activation code. We'll send you a text message with a new activation code.

If you're still having problems with the activation code, call 402-344-7300 for assistance.

Back to FAQs

Text Messaging Service Questions

 What do I need to use the text messaging service?
To use Mobile Money's text messaging service, you must:

  • Have an online banking account.
  • Have a mobile phone that supports SMS text messaging and short codes.
  • Register for Mobile Money and select the text messaging service.

Why are my Mobile Money text messages coming from 96924?
Security National Bank’s registered short code is 96924.  You receive all Mobile Money text messages from this number. To make it easier to recognize our text messages, add us to your contact list with the short code 96924.

What is a short code?
A short code is a shortened version of a phone number. A short code is generally five or six numbers in length. Five-digit short codes range from 20000 to 99999; six-digit short codes range from 222222 to 899999. You can send and receive text messages from a standard U.S. short code as well as a traditional phone number.

What do you mean when you say "standard messaging charges may apply?"
Every mobile service carrier has a different rate plan for text messaging and data services access. You may be charged per use or pay a flat rate for unlimited usage each month. You may also have different fees for text messaging and data services access.

Please contact your mobile carrier directly if you aren’t sure what fees you are charged for text messaging.

What is the difference between the text messaging service and the alerts service?
The text messaging service allows you to request account balances, transaction history, and ATM and branch location information any time from your mobile phone. We send text message responses to your phone.

The alerts service sends automatic notices to your mobile phone with information about your accounts. For example, we can send you an alert when your account balance goes below a threshold amount. You choose which alerts you want, and we'll send the alerts based on the time zone selected in your Mobile Money profile.

If you've registered your phone to receive alerts, you automatically have access to the text messaging service.

How do I stop receiving alerts?
To stop receiving alerts on your phone, text STOP to 96924. 

Where do I send my text messages?
Send all text messages to 96924.

What are the text messaging keywords and how do I use them?
Keywords are the text messages you send to request account information or ATM and branch locations.

Account Balance Requests
Keywords: B, BAL, BALANCE, BALANCES

Check the balances for all accounts you've registered in Mobile Money. If you've registered accounts from more than one financial institution, enter the financial institution's identifier before the keyword. For example: SNB BAL.

Transaction History Requests
Keywords: STMT, TRAN, HIST (account nickname)

Check the most recently posted transactions of the account you specify with the account nickname. For example, TRAN SAV1. If you've registered accounts from more than one financial institution, enter the financial institution's identifier before the keyword. For example: SNB HIST SAV1.

Keywords: NEXT, MORE

If your transaction history response message ends with "Reply NEXT" text NEXT or MORE to view more transactions.

ATM and Branch Location Requests
Keywords: ATM, BRANCH, BOTH (address)

Find ATMs, branch locations, or both near an address that you specify. You can enter:

  • ZIP Code
  • City and ZIP Code
  • City and State
  • Street, City, and State.

For example: ATM ANYWHERE OH. If you've registered accounts from more than one financial institution, enter the financial institution's identifier before the keyword. For example: SNB BOTH 90210.

Keywords: NEXT, MORE

If your ATM and branch location response message ends with "Reply NEXT" text NEXT or MORE to view more locations.

Help Requests
Keywords: HELP, HLP

Provides information about the Mobile Money keywords.

Stop Requests
Keywords: STOP, END, CANCEL, UNSUBSCRIBE, STOP ALL

Stop receiving Mobile Money alerts. Text:

  • STOP BNKG to cancel banking alerts.
  • STOP MKTG to cancel marketing alerts.
  • STOP ALL to stop all alerts.

If you've registered accounts from more than one financial institution, enter the financial institution's identifier before the keyword. For example: SNB STOP ALL.

Are the keywords case-sensitive?
No. Whether you type "BAL" or "bal" we send a response with your account balance information.

What does a typical request and response look like?

Balance Request

Sample Request
bal

Sample Response
Mobile Money
BAL @ 1207 14:59
*1254 CHK1 $3,849.27
*5764 CHK2 $2,555.02
*4254 SAV1 $14,116.00
Reply STOP to cancel.

Transaction History Request

Sample Request
TRAN CHK1

Sample Response
Mobile Money
TRAN CHK1
1207 14:50
1207 PMT -$5.55
1205 WDL -$50.00
1201 DEP $100.00
Reply NEXT. Msg&Data rates may apply

What should I do if I don't get a response to a request?
Make sure you're sending text messages to 96924. Check the keyword and any additional information required for the request, such as our identifier, account nickname, or address.

Can I send a keyword via e-mail?
No, keywords and text messages are not supported using e-mail. The two-way feature of our text messages works only with mobile phones.

Why are my results sent as multiple messages?
Text messages are limited to a set number of characters, based on the type of phone. Sometimes we can't send all your account information in one message because it exceeds the character limit. In this case, we send your account information in multiple messages—no more than five at a time.

I received my results in multiple messages. Some arrived quickly, but others didn't. Why did it take so much longer for the others to arrive?
If you receive one message, it means we've sent all the response messages to you, and you should receive them shortly. It may take a few minutes to receive them all, depending on your mobile service. If you haven't received all your messages after a few minutes, please let us know. If the problem persists, you may want to contact your mobile service carrier.

I have text messaging enabled on my mobile phone. Why can't I receive Mobile Money text messages?
Your mobile service carrier may be blocking short codes or you may have blocked short codes in your phone options. You must have short codes enabled to use Mobile Money. (Short codes are abbreviated phone numbers, usually five digits, we use to send Mobile Money messages.) Check your phone options and then contact your mobile service carrier to ensure they aren't blocking short codes.

Back to FAQs

Mobile Browser Service Questions

What do I need to use the mobile browser service?
To use Mobile Money's browser service, you must:

  • Have an online banking account.
  • Have a mobile phone that supports web browsing.
  • Have a wireless data plan with your mobile service carrier.
  • Register for Mobile Money and select the mobile browser service.

Mobile Money is optimized for a wide range of phones—providing a rich and interactive interface on touch screen phones, such as the iPhone and Android, while maintaining a simple and clean interface for a wide range of phones from a diverse set of manufacturers such as BlackBerry, Motorola, Nokia, Samsung, and Sanyo.

How do I access the Mobile Money website?
During registration we send you a unique website address (URL) that is intended only for you.  The website URL will only work on the phones you’ve registered in Mobile Money.  Be sure to bookmark this address in your phone’s browser so you can easily return to it.

I can't find my link to the Mobile Money website. What should I do?
If you can't find the message that we sent during registration with the unique URL for Mobile Money, you can request another message. Go to the My Phones page in online banking, find the phone number, and select the option Get a link to the Mobile Money website.

When I click the link for the Mobile Money website nothing happens. What should I do?
Every mobile phone and mobile network is different, so you may not be able to click on a link in a text message.

Try these troubleshooting tips:

  • Open the text message and click Send or Go on your phone to access the website URL. Then click the address to go directly to the website.
  • Open the text message and write down your unique website URL. Type the URL in your phone's web browser to go directly to the website.

If you still can't access the Mobile Money website, please contact your mobile service carrier.

How do I access special characters on my Blackberry?
Blackberry users must use the symbol button to access special characters.  The “!” will be the first special character to appear.  Continue to hold down the symbol button to scroll through the full list of special characters.

Back to FAQs

Downloadable Application Service Questions

What do I need to download the Mobile Money application?
To download the Mobile Money application, you must:

  • Have an online banking account.
  • Have a mobile phone that supports downloaded applications.
  • Have a wireless data plan with your mobile service carrier.
  • Register for Mobile Money and select the downloadable application service.

Mobile Money is optimized for iPhones, BlackBerries, and many other types of phones. However, some carriers don't support application downloads to certain types of phones. If you have any problems downloading Mobile Money, check with your carrier to make sure it is supported on your phone.

How do I download Mobile Money to my phone?
For BlackBerries and most other phones, you can download Mobile Money directly to your phone. During registration we send you a link to download the application. Click the link to initiate the download.

  • iPhone users will be linked to iTunes and be prompted for their iTunes password.
  • Android users will be linked to the Google Marketplace and will need to know their Gmail password.

Once you have entered your password, you will be presented with the Fiserv Touchbanking application. Initiate the download. When the download is complete, you'll go to the Login page. You'll also see Mobile Money on your launch page.

I can't find my link to download Mobile Money. What should I do?
If you can't find the message that we sent during registration with the download link for Mobile Money, you can request another message. Go to the My Phones page in online banking, find the phone number, and select the option Download the application.

When I click the link to download Mobile Money nothing happens. What should I do?
Every mobile phone and mobile network is different, so you may not be able to download Mobile Money to your phone. If you're having trouble, contact your mobile service carrier to make sure your phone supports application downloads.

Back to top


Quick Steps

Here are simple step by step instructions to managing Mobile Money on your device.

Enrollment | How to Change a Phone Number | How to Deactivate or Stop Using a Mobile Device | How to Pay Bills | Make a Bill Payment or Pay eBills | Change a Bill Payment | Cancel a Bill Payment | How to Transfer Funds

Enrollment

Complete the following to enroll in Mobile Money:

  • Be sure your mobile device is on.
  • On your computer log in to your online banking account on SNBconnect.com. Click the "User Options" link.
  • The Options page is displayed. Locate the Mobile Money Profile section and click "Enroll Now". For security reasons, only one user can register for each mobile device. Once you complete the registration process, you can add more phones to your Mobile Money account.
  • The Mobile Money Terms and Conditions page is displayed. Select the "Accept" check box and then click "Continue".
  • The Your Details page is displayed. Select the appropriate "Eligible Accounts" check boxes and then enter the nickname used to identify each account in a text message.
  • The Mobile Money Number page is displayed. Enter your mobile phone number, including the area code. Click "Next".
  • The Select Your Services page is displayed. Select the Mobile Money services to be available on the mobile device. Click "Next".
  • A text message with an activation code is sent to the mobile phone number entered. The activation code expires 24 hours after you receive it.
  • The Activate Your Phone page is displayed. Enter the activation code received in the text message. Click "Activate" to complete your enrollment in Mobile Money.

A text message with the SNB short code (96924) is sent to the newly activated mobile device. Note this short code for use when utilizing Mobile Money's text messaging service.

Back to Quick Steps 

How to Change a Phone Number

Complete the following to change your mobile phone number:

  • Log in to your online banking account on SNBconnect.com. Click the "User Options" link.
  • The Options page is displayed. Locate the Mobile Money Profile section and click "Manage Device(s)".
  • The Main Menu page is displayed. Select the "My Phones" tab.
  • Locate the old phone number, select "Change my phone number" and then click "Go".
  • The Mobile Phone Number page is displayed. Enter the updated phone number and click "Next".

The Main Menu page is again displayed. Close Mobile Money to return to your online banking session.

Back to Quick Steps

How to Deactivate or Stop Using a Mobile Device

Complete the following to deactivate or stop using your mobile device:

  • Log in to your online banking account on SNBconnect.com. Click the "User Options" link.
  • The Options page is displayed. Locate the Mobile Money Profile section and click "Manage Device(s)".
  • The Main Menu page is displayed. Select the "My Phones" tab. Locate the appropriate phone number, select "Stop using this phone for Mobile Banking" and then click "Go".
  • The Stop Using This Phone page is displayed. Click "Yes".
  • The Main Menu page is again displayed. Close Mobile Money to return to your online banking session.

Back to Quick Steps

How to Pay Bills

Complete the following to submit a bill payment:

  • Log in to Mobile Money using your current Internet banking login on your mobile device.
  • The Main Menu page is displayed. Select "Pay Bills".

Back to Quick Steps

Make a Bill Payment or pay eBills

Note: eBills are bills that are presented electronically to your online banking account.

  • The Pay a Bill or eBill page is displayed. Select "Make a Payment" or "Pay eBills".
  • The Select a Biller or eBill page is displayed. Select the appropriate payee.
  • The Biller Information or eBill Summary page is displayed. The "Do you want to pay this biller" or "Do you want to pay this eBill" message is displayed. Verify the information is accurate.
  • Select "Yes".
  • The Enter Payment Information page is displayed. Establish the following:
    Pay From Select the account to debit for the payment.
    Amount Enter the amount of the payment.
    Pay Date Enter the date of the payment.
  • The Confirm Payment page is displayed. The "Do you want to make this payment" message is displayed. Verify the payment information is accurate. Select "Yes".
  • The Payment Confirmation page is displayed. Select "Back" to return to the payee list. Select "Menu" to return to the Main Menu.

Back to Quick Steps

Change a Bill Payment

  • The Pay a Bill page is displayed. Select "Change or Cancel Payments".
  • The Select a Payment page is displayed. Select the bill payment to change.
  • The Payment Details page is displayed. Select "Change Pmt".
  • The Enter Your Changes page is displayed. Make the necessary updates and select "Next".
  • The Confirm Changes page is displayed. The "Do you want to make this payment" message is displayed. Verify the payment information is accurate. Select "Yes".
  • Select "Back" to return to the payee list. Select "Menu" to return to the Main Menu.

Back to Quick Steps

Cancel a Bill Payment

  • The Pay a Bill page is displayed. Select "Change or Cancel Payments".
  • The Select a Payment page is displayed. Select the bill payment to cancel.
  • The Payment Details page is displayed. Select "Cancel Pmt".
  • The Cancel Bill Payment page is displayed. The "Are you sure you want to cancel this payment" message is displayed. Select "Yes".
  • The Cancellation Confirmation page is displayed. Select "Back" to return to the payee list. Select "Menu" to return to the Main Menu. Select "Log Off" to close Mobile Money.

Back to Quick Steps

How to Transfer Funds

Complete the following to complete an account transfer:

  • Log in to Mobile Money using your current Internet banking login on your mobile device.
  • The Main Menu page is displayed. Select "Transfer Money".
  • The Transfer Money page is displayed. Establish the following:
    Transfer From Select the account to debit for the transfer.
    Transfer To Select the account to credit for the transfer.
    Amount Enter the amount of the transfer.
  • The Transfer Amount page is displayed. Enter the transfer amount and select "Next".
  • The Confirm Transfer page is displayed. Select "Yes".
  • The Transfer Confirmation page is displayed.
  • Select "Menu" to return to the Main Menu. Select "Log Out" to close Mobile Money.

Back to Quick Steps

Back to top