Online and Mobile Banking FAQs
Text Message Banking
Is there a fee for Mobile Banking or Text Message Banking?
Central One does not charge a fee for the use of Mobile Banking or Text Message Banking. Please note that your carrier may charge fees for text messages and or internet access. Please contact your wireless provider for more information regarding applicable charges.
What is the number I should use to send keywords for Text Message Banking?
The short code is 454545. This short code will only work if you have activated the Text Message Banking service.
Are Text Message Banking keywords case sensitive?
No, keywords are not case sensitive. For example, you can type 'help' or 'HELP'.
What commands or keywords can be used in Text Message Banking?
Use any of the following commands/keywords:
- BAL= Primary account balance
- BAL ALL= All account balances
- BAL CHK= Checking account balances
- BAL SAV= Savings account balances
- LAST= Last five transaction
- TRANS $$$= Transfer specified fund amount to primary account
- STOP= Deactivate Text Message Banking service
- HELP= Help on keywords
Can I change the primary account for Text Message Banking later?
Yes. Log into CentralNet from a PC and select the “My Settings/Login and Security” page. Click on “Alerts and Notifications”. The right hand SideBar is “Text Message Banking” Click on “Update” to change the primary account.
Can I get the balances of my other accounts through Text Message Banking?
Yes. When you text "BAL ALL" to the short code, we will reply with a message containing the balances of all of your checking, savings and any other accounts.
Your primary account is the default account that we will use when you text BAL to us with the short code. You should select the account that you will likely want to check most often. You can get all account balances be texting BAL ALL to the short code. The primary account is also the account that funds can be transferred into when you use the TRANS (transfer) function.
I have not received my code for Text Message Banking, what do I do?
It might take several minutes to receive your code. If you feel you have waited long enough, you can click the Resend it link. Please check your mobile device shortly for a new text message. If you are still experiencing problems, be sure you entered in the correct mobile number during setup.
Some Carrier's may block certain text messages (short codes) or charge a higher rate for receiving them. Please check with your carrier to verify prior to signing up for text message banking.
Can I come back later to enter my activation code for Text Message Banking?
Yes you can. If you experience difficulties, we recommend that you go through the setup process again to obtain a new code.
Where do I find my activation code for Text Message Banking?
During the setup you will be sent a text message with your activation code. If you have already submitted your mobile number during the setup, please check your mobile device now. You should receive a text message with your activation code within a few minutes.
Why do I need to verify my phone to use Text Message Banking?
Verifying your phone is a one-time step and is one way we ensure the security of mobile text messaging.
How do I deactivate the Text Message Banking service?
You can text STOP to 454545 on your activated cell phone, or you can return to the “My Settings/Login and Security”, ”Alerts and Notifications” page within CentralNet and click “Change or add number”, click the “X” next to the number you want to delete. Your phone will no longer receive any text messages from us via Text Message Banking. You can add a new mobile phone at any time if you change your mind later.
Is there a password needed for Text Message Banking?
You do not need a password to access your account information via text message.
I have a new mobile phone number. Can I change or add my number online for Text Message Banking?
Yes. You first need to deactivate your previous cell phone number on the “My Settings/Login and Security”, ”Alerts and Notifications” page within CentralNet or text STOP to 454545. Then on the “My Settings/Login and Security”, ”Alerts and Notifications” page within CentralNet click “Change or add number” and set up the new cell phone number.
Is it possible to stop the weekly account balance notifications from Text Message Banking?
Yes. Log into CentralNet from a PC and go to the “My Settings/Login and Security”, ”Alerts and Notifications”. Click on the “Balance update” weekly account balance notifications check box to unselect it and then save your changes.
Will I be charged for Text Message Banking?
Central One will not charge you, but standard carrier fees for text messages may apply. Please check with your wireless carrier if you have questions about any text messages rates that may apply.
How secure is Text Message Banking?
Our Text Message Banking service is secure and enrollment is completed behind the login of CentralNet. Text messages will never contain confidential information about you or your accounts, and will never contain full account numbers.
Please note that standard text messaging rates may apply. Please contact your wireless provider for more information regarding applicable charges .
Can I set up two mobile phones for the same primary account for Text Message Banking?
Yes. After setting up the first number, select the “Change or Add Number” link on the “My Settings”>”Alerts and Notification” page within CentralNet and complete the two step process .
Can I transfer funds into my primary account using Text Message Banking?
Yes, if you have selected a "transfer source" account on the “My Settings” web page within CentralNet. On your mobile device Text "TRANS" and the amount. You will receive a confirmation message with updated account balances for both accounts. Please be aware that you can only transfer funds into your primary account.
Can I get a text alert when my primary account balance falls below a certain amount?
Yes. Log into CentralNet from a PC and go to the “My Settings/Login and Security”, ”Alerts and Notifications”. Select the “Low balance alert” check box and type in a dollar amount. Thereafter, you will receive a low balance alert text whenever your primary account balance falls below the specified dollar amount.
Which carriers support Text Message Banking?
Our Text Message Banking service works on all major mobile providers in the U.S. The following lists some, but not all, of the carriers that support this service.
- AT&T
- Alltel
- Cellular One Dobson
- Nextel
- T-Mobile
- Unicel
- US Cellular
- Verizon Wireless
Will Text Message Banking work on my phone?
Yes, as long as you have text messaging enabled on your mobile carrier it will work on your cell phone. Please check with your wireless carrier if you are unsure.
Mobile Banking
How do I login to Mobile Banking with my mobile app?
When you open the mobile banking app you will get a login screen. You can either enter your UserID and Password or on an iPhone enabled with TouchID, use your fingerprint to log into the mobile app.
What does the 'Remember Me' checkbox do?
Selecting the Remember Me checkbox gives the application permission to save your Username so that you do not have to enter it each time you attempt to log in. This information is masked and stored securely to keep your information safe.
Is help available through my tablet device?
For help regarding Central One's Mobile Web Banking service, visit a branch or contact our Member Support Center . For help regarding your mobile device and/or wireless Internet connectivity, contact your wireless provider.
How much history can I view on my tablet application?
When you select an account name on the Accounts tab, the last 30 days of transactions will be displayed. Scroll down to see all of your transactions. Select the View More Transactions button to view additional transactions going back up to 180 days .
I have disconnected my tablet/phone. Will my service continue to work?
For the mobile or tablet app to work, you must have a phone/device with access to the 3G/4G/EDGE or WIFI networks.
How do I log out of the Mobile Banking application?
When you are ready to log out, select the Log Out button at the top right of the page and you will exit the phone/tablet app. This will return you to the log in screen.
Can I register for Bill Payment on my phone or tablet?
Not at this time. You may register by logging into your CentralNet account from a personal computer or using a browser interface on your mobile device. Click the Bill Pay menu button and enroll. Once you set up Bill Pay and one or more payees (people or companies you wish to pay) you may click on the Pay Bills button on your phone or tablet application.
Why can't I access the Bill Pay tab on Mobile Banking?
The Pay Bills tab is only enabled for users who have signed up for the Bill Payment feature within online banking on a personal computer and have set up one or more payees (people or companies you want to pay). When you are ready to make payments on your phone or tablet, select the Pay Bills link.
Can I see completed bill payments on my phone or tablet?
Yes. Select the Pay Bills tab and click on the payee. From there you can view the last payment associated to that payee.
Can I view pending bill payments on my phone or tablet?
Yes. Select the Pay Bills tab to see a list of pending payments.
Can I cancel a pending payment on my phone or tablet?
Yes. You can cancel a pending payment, but you cannot change it. To cancel a pending payment, go to the Pay Bills tab, select the payment you want to cancel and select the Cancel payment button. Then confirm that you want to cancel the payment.
How do I register for Mobile Deposit?
After downloading the Mobile Banking app and successfully logging in, the "Deposit Checks" tab will appear in your menu and on the home page. You will be prompted to accept the Terms and Conditions the first time you click on the link. Once the Terms and Conditions are accepted a request is sent to Central One. You will receive notification from Central One by the end of the next business day with your registration decision.When can expect my Mobile Deposit to be processed?
Deposits made using the Mobile Deposit feature will be processed by the end of the next business day. Please note the funds will not be available immediately. There is a one business day hold on mobile deposits from the time they are posted to your account.
Mobile Web Banking
What is Mobile Web Banking?
A service that enables active CentralNet users to access account information, conduct transfers, and pay and manage bill payments from any mobile device that has Web browsing capabilities and an active data plan.
Don't have CentralNet? Contact a branch or our Member Support Center.
How does Mobile Web Banking work?
From a mobile device with Web browsing capabilities and an active data plan, all you have to do is open a browser and enter Central One's URL, www.centralfcu.com , to access Central One's mobile banking home page.
Enter your user ID and password, the same that is used for CentralNet, and select the Log In button. No separate or different registration is required. Answer any additional security questions then select the Continue button to access Mobile Web Banking. Once logged in you can:
- Access your accounts- the Mobile Web Banking experience is virtually the same as online banking, although on a smaller screen.
- Pay bills- you must first register through CentralNet on a PC before utilizing bill payment through mobile banking. You can add payees on a phone or tablet using Mobile Web Banking.
- Make transfers- you must have more than one account on Internet Banking for this functionality to be available on mobile banking.
Can I see scheduled transfers within Mobile Web banking?
Yes, select the View Scheduled Transfers link on the Transfer tab to see up to 10 transfers scheduled over the next 30 days
What different types of transfers are available through Mobile Web Banking?
On the transfer tab you can enter an immediate transfer between your accounts using the Transfer Now feature. Or to schedule a future transfer, use the Schedule Transfer link.
Can I change or remove a scheduled transfer within Mobile Web Banking?
Yes. On the Schedule Transfer page scroll down and use the Edit Scheduled Transfer link to change the Amount, From Account, To Account or Delete for any future dated one-time transfer. Or use the Delete Scheduled Transfer link to remove a future dated one-time transfer.
Where can I locate the transaction details within Mobile Web Banking?
Within the Transaction History page, click the payee name to see the transaction details, including: Date, Amount, Type of Transaction, Reference #, Store name and ID.
Can I see transactions for a different time period on Mobile Web Banking?
Yes, just use the Change Date Range 'to' and 'from' fields entering the date as mmddyyyy with no punctuation, and then select the Go button to get the transactions.
How many transactions can I see in Mobile Web Banking?
When you select an account name link on the Accounts tab, up to 15 transactions display for the last 10 days. Use the vertical scroll bar to see all of your transactions. If more than 15 transactions occurred during that time period, select the More history button to view the rest of your transactions.
What other options are available on the Mobile Web Banking log in page?
Links that provide branch and ATM locations, interest rates, as well as how to contact Central One.
Will Mobile Web Banking work on my mobile phone?
Mobile Web Banking will work on any mobile device with Web browsing capabilities and an active data plan through a wireless carrier.
How do I make bill payments within Mobile Web Banking?
Select the Bill Pay tab and review the Pay from account (to change it, select another account from the dropdown field and select the Change button). Select a payee name link from the list and enter the Amount of the payment and the date to send/deliver the payment as mmddyyyy then select the Pay button. A confirmation message is displayed, select OK (or Submit) to continue.
Can I see completed bill payments within Mobile Web Banking?
Yes, select the Payment History button on the Make a Payment page. You will see the most recent 10 payments that have been processed. Use the More History button to see additional payments, a maximum of 90 days in the past. The details provided include the payee name, payment date, amount and 'From' account.
Can I see pending bill payments within Mobile Web Banking?
Yes, select the Pending Payments link on the Make a Payment page to see up to 10 pending payments closest to today's date. Use the vertical scroll bar to view all 10 payments or select the View More button to see additional payments.
Can I change a pending bill payment within Mobile Web Banking?
Yes, on the Pending Payments page scroll to the payment you want to change and select the Details link. On the Payment Details page select the Edit button. Then change the amount, payment date, pay from account or payment category as needed and save your changes.
Can I remove a pending bill payment within Mobile Web Banking?
Yes, on the Pending Payments page scroll to the payment you want to remove and select the Cancel link. Then confirm that you want to delete the payment.
My Mobile Web Banking session timed out. Can I change the timeout value?
Five minutes is the only timeout option. For your security and protection, when there has been no account activity for five minutes, the session times out and displays the Mobile Web Banking log in page with a Session Expired message.
What does the "Remember this phone" checkbox do?
Selecting the Remember this phone checkbox activates extra security for your phone so you don't have to enter the security challenge questions when accessing Mobile Web Banking using that phone. You also have the option to remove extra security from this phone, if needed, when you get inside Mobile Web Banking.
Is help available through my Mobile device?
For help regarding Central One's Mobile Web Banking service, visit a branch or contact our Member Support Center. For help regarding your mobile device and/or wireless Internet connectivity, contact your wireless provider.
Is it safe to bank using the Mobile Web Banking service?
Yes. To protect your privacy, you are required to authenticate yourself, using the same information from Internet Banking on a PC, on each individual mobile device. All communication between your mobile device, wireless provider and the mobile banking server are encrypted. In addition, your passwords, answers to challenge questions and account information are never stored on the mobile device or in the Mobile Web Banking application.
I have a new mobile device and phone number. Will Mobile Web Banking work on it?
Yes. You can access Mobile Web Banking from any of your mobile devices, as long as the mobile device has Web browsing capabilities and an active data plan through a wireless carrier or access to an internet connection (wireless or tethered).
I have disconnected my mobile phone. Will Mobile Web Banking continue to work?
For Mobile Web Banking to work, you must have a mobile device with Web Browsing capabilities and an active data plan through a wireless carrier or access to an internet connection (wireless or tethered).
Is a password needed for Mobile Web Banking?
Yes. From your mobile device, all you need to do is login to Mobile Web Banking the same as you would for Internet Banking from a PC. Use the same log-in information. No separate Mobile Web Banking sign-up is required.
How do I log out of the Mobile Web Banking session?
Select the Log Out button at the top right of the page to exit Mobile Web Banking and return to the Login screen.