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Text Banking Frequently Asked Questions


Online Banking Home       Sign Up       Key Features       Help       Contact Us       Text Banking       Text Banking Commands

How do I sign up for Text Banking?

You need to be registered user of Mechanics Online Banking before you can use Text Banking. Once enrolled in Online Banking, you can register your phone by choosing "Mobile & Text Alerts" in the Online Banking menu.

What types of transactions can I do through text banking?

You can get your account balance, recent transactions, and transfer money between your accounts through Text Banking. Here is an overview of Text Banking Commands.

Is Text Banking secure?

Our Text Message Banking service is secure. Text messages will never contain confidential information about you or your accounts. Messages will never contain account numbers, only account nicknames.

Will I be charged for Text Message Banking?

We won't charge you, but standard carrier fees for text messaging may apply. Please check with your mobile phone carrier if you aren't sure what fees apply when you send and receive text messages.

Will Text Message Banking work on my phone?

Yes, as long as you have text messaging enabled with your mobile carrier it will. Please check with your mobile carrier if you are unsure.

Which carriers do you support?

Our Text Message Banking service works on all major mobile providers in the U.S., including: AT&T, CelluarOne, Nextel, Sprint, T-Mobile, US Cellular, Verizon, and Virgin Mobile.

How do I deactivate the Text Message Banking service?

You can text back "stop" to 454545 on your activated cell phone, or you can return to the mobile banking page and click the (deactivate) link next to your mobile device number. Your phone will no longer receive any text messages from Mobile Banking. You can add a new phone at any time if you change your mind later.

Why do I need to verify my phone?

Verifying your phone is a one-time step and is one way we ensure the security of mobile text messaging.

Where do I find my activation code?

During setup we will send you a text message with your activation code. If you have already submitted your mobile number during setup, check your mobile device now. You should receive a text message with your activation code within a few minutes.

I still have not received my code, 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.

Can I come back later to enter my activation code?

Yes you can. If you experience difficulties we recommend that you go through the setup process again and get a new code.

What is a primary text banking account?

Your primary account is the default account that we will use when you text BAL to 454545. You should select the one you will likely want to check the most often. You can get all account balances by texting BAL ALL to 454545.

Can I get the balances of my other accounts?

Yes - when you text "BAL ALL" to 454545, we will reply with a message containing the balances of all your checking, savings and credit card accounts.

Can I change my primary account selection later?

Yes you can. Simply return here to the mobile banking page and select the edit link next to your primary bank information.

Are there any shortcuts for the keywords?

The keywords are: BAL = Primary account balance; BAL ALL = All account balances; BAL CHK = Checking account balances; BAL SAV = Saving account balances; LAST = Last 5 transactions; STOP = Deactivate service; HELP = Help on keywords; TRANS = Transfer Funds from Transfer Source Account to Primary Text Banking Account.

Are keywords case sensitive?

No, keywords are not case sensitive. You can type help or HELP

What is the number I should send keywords to?

The short code is 454545. This short code will only work if you have activated the Text Message Banking Service.

How long does it take to get a text message?

The short code is 454545. This short code will only work if you have activated the Text Message Banking Service.

Is there any password needed for Text Message Banking?

You don't 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?

Yes, you first need to deactivate your cell phone and add your new cell phone number. You can do this within Text Message Banking set up.

 *Please note that standard text and/or internet charges may apply depending on your carrier and service plan.
For additional information regarding Online Banking and Bill Pay, please contact Online Banking Services at 877.265.6324.

Additional Resources

Text Banking Commands
Browser Requirements
Security Center