There are several things you will need to refer to – and provide - during the account opening process:

You'll be asked for your U.S. Social Security number and valid form of identification including: Driver's license, State ID, Military ID or Passport.

You will also need to provide personal information, including your date of birth, and former mailing address(es).

If you are not a U.S. Citizen or U.S. Resident Alien and do not have this information, we will be unable to enroll you online. Please visit one of our branches for assistance.

MutualBank uses encryption for online security. Encryption technology helps provide secure transmission of information along the Internet by encoding the transmitted data using a mathematical formula to scramble the data. Without a corresponding "decoder," the transmission would look like nonsense text and would be unusable.

Encryption technology can be used for a host of applications, including electronic commerce (sending credit card numbers for orders or transmitting account information), e-mail messages and sensitive documents.

Encryption is utilized with the transmission of data from one party to another. The sender encodes the data by scrambling it and then sends it on. The receiver must decode the data with the correct "decoder" in order to read and use it. The effectiveness (or level of security) for encryption is measured in terms of how long the key is - the longer the key, the longer it would take for someone without the correct "decoder" to break the code. The length of the key is measured in bits (e.g., 40-bit encryption, the level of encryption used with many ordinary browsers, versus 128-bit encryption, the level of encryption required to use this application). 

If you opened a new checking account with MututalBank, please allow 7-10 days for your debit card to arrive. You will receive your PIN up to three days after your debit card.

Please call the 800 number on the front of your card for activation.

Limits: Your POS limit will be $2,000.00/24 hours and ATM limit will be $500.00/24 hours.

If you opened a new statement savings account with MutualBank, please allow 7-10 days for your ATM card to arrive.

You will not need to activate your ATM card.

Limits: Your ATM limit will be $200.00/24 hours.

Call Before You Travel!

Call Customer Support at 800-382-8031 to report any travel plans. We want to make sure your Debit/ATM cards work while you're traveling.

Please choose Online Banking, Personal Banking, and Sign Up or Enroll Now.

You will receive your Access ID and Password within 3-5 days via Postal Mail.

To opt into our Mutual Rewards program with UChoose Rewards, please register your card here.

For every $2 in POS activity you will earn 1 point.

For every $5 in PIN activity you will earn 1 point.

Redemption begins at 1000 points.

UChoose Loyalty Rewards is a rewards program where you earn points for your loyalty to MutualBank. Learn about the three different ways you can earn UChoose Loyalty Rewards. Redeem your points for anything of your choice from a huge online rewards catalog.

Mobile Banking allows anyone with a personal online banking account to access their account information from a mobile phone. Mobile Banking 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.  

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 ones, 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 services plan. You access the Mobile Banking website from a link that we send you during registration.

Downloadable Application
You can download the Mobile Banking application to your phone. The application offers all 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 that we send you during registration.

Earn points in three different ways:

• Earn 1 point for every $1,000** of deposit, loan, investment or wealth management balances.

3. New Accounts

• Earn one-time bonus points when you open a new account. Learn about how many points you can earn with each new account.

Points accumulate monthly.

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.
• Auditability — We provide full audit capabilities through event logs and event-based reporting.

You earn points everywhere your Visa® debit card is accepted. Plus, you earn points with your MutualBank, MutualFinanacial Investment Services and MutualWealth Management accounts. You can earn additional points with each purchase when you shop at select retailers. See a complete list of participating retailers at UChooseRewards.com.

No. We don’t save any files with your personal or financial information on your phone. That information stays strictly within online 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.

There's no cost. Membership in UChoose Loyalty Rewards is absolutely free for MutualBank debit cardholders, so register and start earning points today!

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 access the history of your point activity through UChooseRewards.com.

When you view your account balance, you see the current available balance. When you view transaction history, you see the most recently posted transactions. Pending transactions are not visible.

It can take up to 45 days for your points to be credited to your account. You must accumulate 1000 points before you can redeem your points. Points are tracked on UChooseRewards.com. We keep track of all points earned and will help you find just what you're looking for when you're ready to redeem. We even have a Wish List Tracker that will let you know when you've earned enough to redeem a specific item. Simply look for your "Total Points" at the top of any page to see how many points you have available for redemption.

Yes. You can register several mobile phones for Mobile Banking.

It's your choice!  You can choose from millions of options, whether you choose products, travel experiences, activities, event tickets, or more!  Simply go to UChooseRewards.com and visit the Redeem Points page and click on the category that suits your interests.  We keep track of all the points you earn and will help you find just what you're looking for when you're ready to redeem.  We even have a Wish List that will help you track when you've earned enough to redeem a specific item.

Mobile Banking works on all major mobile service carriers in the U.S.: AT&T, Sprint, T‑Mobile^®, U.S. Cellular^®, and Verizon Wireless. Mobile Banking 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. 

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 can choose which:

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

During registration, a text message is sent to you 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.

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.

If you have other questions not answered here, you can contact us at 800-382-8031 or customersupport@bankwithmutual.com.

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. Go to online banking and access the Mobile Banking pages. On the My Phones page, find the phone number and select the option Get new activation code. You will receive a text message with a new activation code.

To use Mobile Banking’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 Banking and select the text messaging service. 

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.

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 will be charged to use Mobile Banking.

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 Banking. If you’ve registered accounts from more than one financial institution, enter the financial institution’s identifier before the keyword. For example: MB 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 S1. If you’ve registered accounts from more than one financial institution, enter the financial institution’s identifier before the keyword. For example: MB HIST C1.

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 IN. If you’ve registered accounts from more than one financial institution, enter the financial institution’s identifier before the keyword. For example: MB 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 Banking keywords.

Stop Requests
Keywords: STOP, END, CANCEL, UNSUBSCRIBE, STOP ALL
Stop receiving Mobile Banking 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: MB STOP ALL.

No. Whether you type "BAL" or "bal," you will receive a response with your account balance information.

Balance Request: BAL
Sample Response

MB Mobile Banking
BAL @ 1/2/2011 14:59
*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

MB Mobile Banking
TRAN CHK1 1/20/2011 14:50
1207 PMT $5.55
1205 WDL $50.00
1201 DEP $100.00
Reply NEXT. Msg&Data rates may apply

No, keywords and text messages are not supported using e-mail. The two‑way feature of our text messages works only with mobile phones.

Text messages are limited to 160 characters. Sometimes your account information is sent in multiple messages because it exceeds the character limit — no more than five messages at a time.

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 contact us. If the problem persists, you may want to contact your mobile service carrier.

To use Mobile Banking’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 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 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.

During registration you are sent 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 Banking. Be sure to bookmark this address in your phone’s web browser so you can easily return to it.

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.

To download the Mobile Banking 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 Banking and select the downloadable application service.

Mobile Banking 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 Banking, check with your carrier to make sure it is supported on your phone.

BlackBerry (Torch, Bold, and Storm) users may experience issues with transferring money and paying bills with the Mobile Browser and Downloadable Applications.  To correct this issue, you will need to make sure your BlackBerry is operating on V6.0, Build #2342 or higher. Contact your carrier for assistance.

During registration, you will receive a unique link to the App Store where you can download Touch Banking. If you find Touch Banking in the App Store without attempting to register, the download won’t work.