American Community Bank
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American Community Bank & Trust Mobile Banking FAQs

General Questions

What is Mobile Banking?
Mobile Banking allows anyone enrolled in online banking to access his or her account information from a mobile phone.  Mobile Banking offers three ways to access your accounts:
  • Download an application to your phone.
  • Use a mobile browser on your phone.
  • Send a text message.

You can choose any or all of these options, depending on the capabilities of your mobile 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 Banking.  Please note that some mobile service carriers charge for outgoing text messages or for each message sent and received.

A few service carriers are blocking the Mobile Banking service.  If your carrier is not one of the major U.S. carriers (AT&T, Verizon, or Sprint), you may want to check with your carrier to make sure you can use the service.  All major U.S. carriers, and most secondary carriers, support the Mobile Banking 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 phone must have an Internet browser and may require a data service plan.  You access the Mobile Banking website by using a link we send to you during the registration process.

Downloadable Application

You can download the Mobile Banking application to your phone.  The application offers all of the features of the mobile browser service.

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

Is Mobile Banking secure?
To ensure the safety and privacy of your account information, we provide some key security features in Mobile Banking:
  • 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 Banking.
  • 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.
  • 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.
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.

For some phones, such as a BlackBerry, we have logo and branding files that we copy to your phone. Those files do not contain any personally identifiable information.
Are there fees to use Mobile Banking?
We don’t charge fees to access or use Mobile Banking. You should contact your mobile service carrier for information about fees associated with sending or receiving text messages or accessing the internet from your mobile phone.
Which accounts can I access with Mobile Banking?
You can access any account you’ve set up in online banking. When you register for Mobile Banking, you can choose which accounts you want to access. You can also create a short nickname for each account to make it easily identifiable.
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 transactions presented for processing on the current business day.
Can I add more than one mobile phone?
Yes. You can register several mobile phones for Mobile Banking.

To add a new phone, go to online banking at www.amcombank.com and access the Mobile Banking pages. On the My Phones page, select the option "Add New Phone." You may also call us at 1-815-338-2300 for assistance.
What if my phone number changes?
If your mobile phone number changes, go to online banking at www.amcombank.com and access the Mobile Banking pages. On the My Phones page, find the old phone number and select the option "Change My Phone Number." You may also call us at 1-815-338-2300 for assistance.
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 are able to deactivate your phone in Mobile Banking. Go to online banking at www.amcombank.com and access the Mobile Banking pages. On the My Phones page, find the phone number and select the option "Stop Using This Phone for Mobile Banking."
Which phones can I use for Mobile Banking?
We support hundreds of models for major mobile brands. Click here to view our certified device list.
Which mobile service carriers support Mobile Banking?
Mobile Banking works on all major service carriers in the U.S.
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.
How do I stop using Mobile Banking on my phone?
To stop using Mobile Banking on your phone, go to online banking at www.amcombank.com and access the Mobile Banking pages. On the My Phones page, find the phone number and select the option "Stop Using This Phone for Mobile Banking." You may also call us at 1-815-338-2300 for assistance.
What is Mobile Check Deposit?
Mobile Check Deposit uses the smartphone camera to take a picture of the front and back of a check(s) and submits the image(s) electronically to ACBT for processing, clearing, settlement and posting to your account.
How do I get started with Mobile Check Deposit?
Within 1 to 2 business days following your Mobile Banking enrollment you will automatically be enrolled in Mobile Check Deposit and will see the "Deposits" icon on the home page of Mobile Banking.
How do I use the Mobile Check Deposit feature?
A "Deposits" icon will be present on the home page of Mobile Banking. Visual brackets will provide a guide for centering the check. If a check image is not clear, you will be prompted immediately to rescan the check. You may cancel the transaction any time during the process before pressing submit.
Are there any check/deposit amount restrictions?
Yes, there is a daily deposit limit of $2,500. There is no limit to the number of checks deposited, as long as the total deposit amount is $2,500 or less.
How long should I keep the original check?
As soon as you receive the “deposit accepted” you should mark the check "void." After 30 days the check should be destroyed.
Is there a cut off time for deposits to be processed on today's date?
Yes, 2:00 pm CST on any bank business day. Every day is a business day, except Saturdays, Sundays, and federal holidays. Deposits made after the cut off time will be posted on the next bank business day.
What does the Mobile Deposit Status indicate?
  • Deposit Pending – deposit made but not reviewed by bank.
  • Deposit Accepted – deposit has been reviewed and accepted by the bank.
  • Deposit Unknown – deposit has been rejected.
What if I have already deposited the check?
Mobile Check Deposit will identify the check as a duplicate and send the following message: "Deposit Failed, this check has already been submitted. We cannot accept it again."
How will I identify my deposit on my statement?
Mobile Check Deposit will show on your statement as a "Remote Deposit."
Will I be able to see the checks I have deposited?
Mobile Check Deposit will have 90 days of deposit history and 45 days of deposited images.

Registration Questions

How can I get started with Mobile Banking?
You can register for Mobile Banking through your 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 Banking, you are able to 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. You may also call us at 1-815-338-2300 for assistance.
Do I have to agree to the Terms and Conditions to use Mobile Banking?
Yes, you must read and accept our terms and conditions. If you have any questions about the points of our terms and conditions, please call 1-815-338-2300.
Can I register multiple users to the same phone?
For security reasons, only one user can be registered per phone. However, once you complete the registration process, you may register additional phones to your account.
I received my activation code but never used it – what do I do now?
Your activation code expires 24 hours after we send it to you. However, you can always request a new activation code. Go to online banking at www.amcombank.com and access the Mobile Banking 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.
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 phone 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 text messages to and from a standard U.S. short code.
  • Request a new activation code. Go to online banking at www.amcombank.com and access the Mobile Banking 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 are still having problems with the activation code, please call 1-815-338-2300 for assistance.

Text Messaging Questions

What do I need to do to use the text messaging service?
To use Mobile Banking’s text messaging service, you must:
  • Have a bank account enrolled in online banking.
  • Have a mobile phone that supports SMS text messaging and short codes.
  • Register for Mobile Banking and select the text messaging service.
Why are my Mobile Banking text messages coming from 96924?
You receive all Mobile Banking text messages from 96924. To make it easier to recognize our text messages, add us to your contact list with short code 96924.
What do you mean when you say “standard messaging charges may apply?”
Every mobile service carrier has a different rate plan for texting 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 service access. Please contact your mobile carrier directly if you are not sure what fees you will be charged to use Mobile Banking.
Where do I send my text messages?
Send all text messages to 96924.
What are account nicknames?
The account nickname identifies the account in a text message. These nicknames can be set when enrolling for the text messaging service in online banking. For security reasons, do not use your account number as a nickname.
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 have registered in Mobile Banking. If you have registered accounts from more than one financial institution, enter the financial institution’s identifier before the keyword. For example: AMCOMBANK 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 (transaction) S1 (account nickname). If you have registered accounts from more than one financial institution, enter the financial institution’s identifier before the keyword. For example: AMCOMBANK HIST (history) C1 (account nickname).

Keywords: NEXT, MORE
If your transaction history response message ends with “Reply NEXT,” then 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 IL. If you have registered accounts from more than one financial institution, enter the financial institution’s identifier before the keyword. For example: AMCOMBANK BOTH 60098.

Keywords: NEXT, MORE
If your ATM and branch location response message ends with “Reply NEXT,” then text NEXT or MORE to view more locations.

Help Requests
Keywords: HELP, HLP
This provides information about the Mobile Banking keywords.

Stop Requests

Keywords: STOP, END, CANCEL, UNSUBSCRIBE, STOP ALL
Stop receiving Mobile Banking alerts. Text: STOP MKTG to cancel marketing alerts

If you have registered accounts from more than one financial institution, enter the financial institution’s identifier before the keyword. For example: AMCOMBANK 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: BAL
Sample Response
AMCOMBANK Mobile Banking
BAL @ 1/9/2013 11:00 AM
*1254 CHK1 $3,849.27
*5764 CHK2 $2,555.02
*4254 SAV1 $14,116.00
Reply STOP to cancel

Transaction History Request: TRAN CHK1
Sample Response
AMCOMBANK Mobile Banking
TRAN CHK1
1/9/2013 11:00 AM
1/9/2013 PMT $5.55
1/9/2013 WDL $50.00
1/9/2013 DEP $100.00
Reply NEXT

What should I do if I don’t get a response to a request?
Make sure you are sending the text message to 96924. Check the keyword and any additional information required for the request, such as AMCOMBANK, account nickname, or address.
Can I send a keyword via email?
No, keywords and text messages are not supported using email. 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 160 characters. Sometimes we’re not able to send all of your account information in one message because it exceeds the character limit. In this case, we will 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 did not. Why did it take so much longer for the others to arrive?
If you receive one message, it means we have sent all response messages to you, and you should receive them shortly. It may take a few minutes to receive all of them, depending on your mobile service. If you have not 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 Banking text messages?
Your mobile service carrier may be blocking short codes or you may have blocked short codes in your phone settings. You must have short codes enabled to use Mobile Banking. (Short codes are abbreviated phone numbers, usually five digits, which we use to send Mobile Banking messages.) Check your phone settings and then contact your mobile service carrier to ensure it is not blocking short codes.

Mobile Browser Questions

What do I need to use the mobile browser service?
To use Mobile Banking’s browser service, you must:
  • Have an online banking account enrolled in online banking.
  • Have a mobile phone that supports web browsing.
  • Have a wireless data plan with your mobile service center.
  • Register for Mobile Banking and select the mobile browser service.
  • Mobile Banking is optimized for a wide range of phones – providing a rich and interactive interface on touch screen phones, such as the iPhone® and the 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 Banking website?
During registration we will send you a unique website address (URL) that is intended only for you. The website URL will only work on the phones you have registered in Mobile Banking. Be sure to bookmark this address in your phone’s web browser so you can easily return to it.
I can’t find my link to the Mobile Banking website. What should I do?
If you cannot find the message we sent to you during registration with the unique URL for Mobile Banking, you can request another message. Go to online banking at www.amcombank.com and access the Mobile Banking pages. On the My Phones page, find the phone number and select the option "Get a Link to the Mobile Banking Website." You may also call us at 1-815-338-2300 for assistance.
When I click the link for Mobile Banking 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 the Send or Go button 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 cannot access the Mobile Banking website, please contact your mobile service carrier.
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