Is there a fee for Mobile Banking?
Mobile Banking is free of charge. However, please check with your wireless provider about carrier and web access charges that may be applicable when using your mobile device to access our system.
How does Mobile Banking work?
Mobile Banking allows you to access your account information using your smartphone or iPad.
There are three (3) ways to use Mobile Banking with your smartphone:
Is Mobile Banking safe?
- Browser-based: Access through the internet browser installed on your smartphone.
- Downloadable App: Download Founders Mobile iPhone or Android app to your smartphone. Make sure you are downloading the app through a reputable source.
- Text (SMS): Send a text message to request and receive account information.
Mobile Banking is protected with the same security technology as our Online Banking. No information is stored on your mobile device.
However, there are additional security controls that should be utilized on your mobile device.
SMS Text banking uses the phone number associated with your device for authentication. If the device is lost or stolen, you should deactivate your SMS Text banking service immediately. If the service remains active, another person in possession of your phone could use your SMS Text banking service and view account balances and transaction history. Lock your phone and use a PIN or Password protected screen saver to open. Set your phone to wipe out information after 10 invalid attempts.
Do not store text messages from SMS Text banking. Messages could be read by another person and may contain information such as our contact SMS Text number as well as account nicknames that would allow another person to access your SMS Text banking. SMS will not ever ask for sensitive information.
Do not store your Online Banking password in the device browser. Storing the password would potentially allow another person to follow the bookmark and log in. Close out of the browser after each Internet banking session to erase session information and keep an unauthorized person from using the "back" browser function to re-enter your Online Banking information.
You can enhance the safety of using Mobile Banking by running security software on your mobile phone, and not connecting to the Founders Community Bank application on a public WLAN (WiFi).
Please also refer to your provider for more information on those settings.
Can I access my accounts using my iPad or Android tablet?
Mobile Banking provides a downloadable app for iPads. You must be enrolled in Online Banking and Mobile Banking to access the app. If you are enrolled, follow the instructions on our website or log in to Online Banking to download the app. The app is also available from the Apple iTunes Store. An app for Android is currently in development for future use.
How do I sign up for Mobile Banking?
You must be enrolled in Online Banking to use Mobile Banking. Log in to Online Banking, select the “Options” tab and scroll down to the Mobile Banking section. If you are not an Online Banking user, visit our website at www.FoundersCommunityBank.com and select the “Online Banking Enrollment” link. Once enrolled, you can access the “Options” page to sign up for Mobile Banking.
Can I use Mobile Banking on more than one phone or tablet?
Yes. You can add phones or tablets, change services or cancel at any time from the Mobile Banking setup screen.
What functions can I access using Mobile Banking?
You can view your account balances and transactions, make transfers, and pay bills. Functions such as viewing check images, eStatements, and making changes to your bill pay profile must be completed through Online Banking.
Can I pay bills using Mobile Banking?
Yes – if you are enrolled in our Bill Pay service you can pay bills by following the on-screen prompts.
Can I access bill payment history or add a new bill payee using Mobile Banking?
You will not be able to add a new bill payee or view bill payment history. You can access this information by logging on to Online Banking using a desktop or laptop computer.
What should I do if my device is lost or stolen?
Although there is no account information stored on your device, you can cancel your enrollment by logging into Online Banking and selecting the “Options” page. Scroll down to the Mobile Banking Profile section, select “Manage Devices”, and follow the instructions to remove your mobile device.
My phone doesn’t have Internet access. Can I still use Mobile Banking?
Yes! All you need is a phone with text messaging. SMS Text Banking messages are not encrypted and there is no application time out. If your phone is lost or stolen, you should deactivate the service. Unless the service is deactivated, it may be possible for another person in possession of the phone to view any text messages stored on the device and see information such as account balances and recent transaction history.
Are there guidelines for creating account "nicknames"?
During enrollment, you are given the option of providing "nicknames" for your accounts. Choosing an appropriate nickname is especially important if you use the SMS text service for Mobile Banking because your HIST inquiries use the nickname. It's also included in the account history message returned by the financial institution. For this reason, the nickname should be as short as possible. There is a maximum of ten characters, and fewer than five is recommended if you plan to use the SMS text service.
An SMS text message can contain only 160 characters total. Using as few as possible in your account nickname helps ensure that your account information will fit into a single message.
How do I reset my Online Banking password for Mobile Banking?
You will be required to access our website from your computer to reset your Online Banking password. Select the “Forgot Password” link on the password screen or you can log in and change it under the "Options" page. You can also call us during business hours at 805.543.6500 to reset your password.
Can I take pictures of checks for deposit to my account with Mobile Banking?
Currently, our Mobile Banking system does not offer this feature. However, Mobile Deposit is in process of development, and is anticipated to be available later this year.
Who do I contact if I need assistance?
If you need assistance, please contact the Bank at 805.543.6500.