Business & Personal Checking Accounts – MutualBank

 

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Indiana Community Bank – MutualBank

What do I need to open an account with MutualBank?

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.

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Is my online application secure?

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). 

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What information do I need to open a joint account?
You'll need the same information that's required when opening an individual account—but you'll need it for both applicants. For details, select "What do I need to open an account with MutualBank?" above. Back to top

Why is personal information required to open an account online?
Your application is processed subject to our ability to verify your identity. (For more information, select "What do I need to open an account with MutualBank?" above.) Back to top

Is a minimum deposit required to open an account online?
Please refer to our account selection page for product minimums. Back to top

When is the opening deposit processed?
ACH transfers from your existing account at another financial institution to your new account will occur on the third business day. If you currently are a MutualBank customer and are transferring money from an existing account with us, the transfer will occur on the next business day. Back to top

Can I change the information on my account application?
You have the option to edit your account information prior to submitting the information to MutualBank. Simply click on the "Edit" button above the grouping of information you would like to change, and you will be permitted to change your input. Back to top

When will I receive my Debit Card?

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.

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When will I receive my ATM Card?

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.

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What do I need to do when I'll be traveling?

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.

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How do I sign up for Online Banking?

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.

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How do I sign up for Online Bill Pay?
Once you can access Online Banking, you can sign up for bill pay by choosing the green "Accounts" button on the left hand side of the screen, selecting your checking account, and then Bill Payment. Follow the instructions to finish setting up your account for online bill pay. Back to top

How do I sign-up for eStatements?
Already an online banking user? Sign in and click on the eStatement link.
Not an online banking user? You can sign-up for online banking OR sign-up for eStatement access onlyBack to top

I have more than one account, can I Combined Statements?
If you have multiple accounts with MutualBank, with at least one of them being a checking account, you can request a combined statement. Please email customersupport@bankwithmutual.com to get set up today! Back to top

How do I order Checks?
To order checks through Deluxe, please click here. Back to top

How do I sign up for UChoose Rewards?

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.

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Any other Questions?
Please direct all other questions to customersupport@bankwithmutual.com or call 800-382-8031. Back to top

What are UChoose Loyalty Rewards?

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.

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Who's eligible for a MutualBank customized VISA® Debit Card?

Those who have a MutualBank account with a VISA® Debit Card. The primary account owner and joint owners on the account can customize their card. 

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What is Mobile Banking?

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. Download the TouchBanking app from your App Store. You must enter your online banking credentials and App Code: mutual1889

 

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How do I earn points?

Earn points in three different ways:

1. Debit Card Purchases:
You'll earn the following for your everyday debit card purchases:
  • Earn 1 point for every $2 when you complete a signature-based transaction.
  • Earn 1 point for every $5 when you make a pin-based transaction. 
  • Earn additional points with each purchase when you shop at select retailers. See a complete list of participating retailers at UChooseRewards.com.
2. Balances
  • Earn 1 point for every $1,000** of deposit, loan, investment or wealth management balances.

3. New Accounts

Points accumulate monthly.

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What if I have an existing MutualBank VISA® Debit Card?

In order to receive your new customized card, you will need to Apply Online first. You will receive your customized debit card in the mail. You will receive a new card number and new PIN.

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What is Popmoney?

Popmoney is an innovative personal payment service offered by leading financial institutions that eliminates the hassles of checks and cash. Now, sending and receiving money is as easy as emailing and texting. And you don't need a new account to send or receive money. Just use your current bank/financial institution account. 

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What is Mobile Banking?

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. Download the TouchBanking app from your App Store. You must enter your online banking credentials and App Code: mutual1889

 

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

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.

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What is mobile capture?

Mobile capture allows you to deposit your paper check through MutualMobile.

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What do I need to use the text messaging service?

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. 
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I can't find my link to the Mobile Banking website. What should I do?

If you can’t find the message that was sent during registration with the unique URL for Mobile Banking, you can request another message. Sign into your online banking account, click on 'Options' and go to the My Phones page, find the phone number, and select the option Get a link to the Mobile Banking website

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

When I click the link for the 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 can’t access the Mobile Banking website, please contact your mobile service carrier.

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Where can I earn points?

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.

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What will happen to my existing MutualBank VISA® Debit Card?

Your existing card will be closed 30 days after your new customized debit card is ordered.

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How does Popmoney work?

Sending Money

To send money, log in to your online banking account and look for Popmoney. Send money to anyone using their email address or account information. You will be notified when the transaction is completed.

Receiving Money

When someone sends money to you, you will receive an email or text message. 

If your financial institution offers Popmoney, you can log in to your account and direct the funds there. If your financial institution does not offer Popmoney, you can provide your account information at Popmoney.com, and your money will be sent to that account. 

If you do not provide your account information, the payment will be automatically returned to the sender's account.

Money sent directly to an account will be automatically deposited. No action is required by the recipient. 

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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.

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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.

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How do I access the mobile capture feature?

Mobile capture is a feature included in our MutualMobile app you can download.  In the MutualMobile app, click the "Deposits" tab to access mobile capture.

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Why are my Mobile Banking text messages coming from 48179?

You receive all Mobile Banking text messages from 48179. To make it easier to recognize our text messages, add us to your contact list with the short code 48179.

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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. Back to top

How often can I change my design to a customized MutualBank VISA® Debit Card?

You can change the existing card for either the primary account owner or joint owner as often as you like.

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What can I use Popmoney for?

Popmoney is easy and convenient for you and the people you send money to. They can simply receive the money into their bank account online. The following are just a few of the convenient ways that you can use Popmoney:

  • Send money to your child at college
  • Send a gift to family and friends
  • Reimburse friends for that fun outing
  • Pay your babysitter or your lawn care service
  • Pay rent to your landlord or roommates
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What do you mean when you say "standard messaging charges may apply?"

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.

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What if my phone is lost or stolen?

If your mobile phone is lost or stolen, contact your carrier to freeze service. 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 can deactivate your phone in Mobile Banking. Go to online banking 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.

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How do I use mobile capture?

After downloading and logging into the MutualMobile app, navigate to the ‘Deposits’ tab.  You will then be prompted to enter the dollar amount of the check and to take photos of the front and back of the check using your mobile device's camera.

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What is a short code?

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.

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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 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.

If you’re still having problems with the activation code, call Customer Support at 800-382-8031 or email customersupport@bankwithmutual.com for assistance.

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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.

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How much does it cost to participate?

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

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What images are not acceptable?

Please see our Image Guidelines for our criteria for acceptable photo submissions. MutualBank reserves the right to reject any image we believe violates our Image Guidelines. If an image is rejected, you will be notified by email within two business days. You may submit a new image anytime following your rejection. 

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Will my account information be shared with the recipient?

No, your account information will not be shared with the recipient. The recipient will only see your first name, last name and the message you wrote for the payment. When you send a payment to an email address, the recipient will also see your email address. Similarly, you will not be able to see the recipient's account information.

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How do 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 can choose which:

  • Services you want to use.
  • Accounts you want to access.
  • SMS and WAP

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.

To download the app:
Go to your App Store and download TouchBanking. Enter your online credentials and the App Code: mutual1889

You can also call Customer Support at 800-382-8031 or email customersupport@bankwithmutual.com to assist you with the registration process.

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How will I know if my deposit was accepted?

You will be able to track the status of your deposit through MutualMobile and the ‘Deposits’ tab.  If your deposit is not accepted, you will receive an email from customersupport@bankwithmutual.com.  The email will be sent to the email address we have on file.

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Where do I send my text messages?

Send all text messages to 48179.

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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'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.

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Which accounts can I access in 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.

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Where can I view my point activity?

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

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How much does it cost?

A fee of $10.00 will be deducted from your checking account linked to your VISA® Debit Card each time you create a new card. 

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Do I need to verify my email address and phone number?

Verification of your email address and phone number may be required for security reasons. Entering the correct verification codes ensures that you have access to your email and phone. You may also be asked to verify your mobile phone in the future to send and receive payments.

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Which phones can I use for Mobile Banking?

We support hundreds of models for these major brands: iPhone, BlackBerry, HTC, LG, Motorola, Nokia, Pantech, Samsung, Sanyo, and Sony Ericsson. We support phones on a number of different operating systems, including (but not limited to) Android, Blackberry, iOS, Symbian, Windows Mobile, Linux, Palm webOS, and Maemo.

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Do I have to agree to the terms and conditions to use mobile capture?

Your use of mobile deposit is your acceptance of the terms and conditions.  If you do not agree to the terms and conditions, please do not use mobile capture or notify us to remove this option from your MutualMobile app.

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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’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.

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Are the keywords case-sensitive?

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

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Are the keywords case-sensitive?

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

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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 options. You must have short codes enabled to use Mobile Banking. (Short codes are abbreviated phone numbers, usually five digits, used to send Mobile Banking messages.) Check your phone options and then contact your mobile service carrier to ensure they aren't blocking short codes.

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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. Pending transactions are not visible.

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Where can I redeem points?

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.

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How do I see how many points a gift card costs?
First, select the kind or company gift card you want to redeem. Then, select the denomination of the gift card you want. Finally, select the type of card you'd like to receive. The options will be 'plastic', 'email' or both. Once you go through those first three steps, the point value will be revealed. You can then determine to continue with purchasing the gift card or begin a new search. Back to top

What happens when my card expires?

Upon expiration of your card, a new card will be sent with the same image as your most recent card. 

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What are the different ways I can send money to someone?

You can send money to someone using their email address, mobile number or account information:

Email address: your contact will receive an email with instructions on how to direct the payment into his or her account.

Mobile number: a text message will be sent to the recipient on your behalf with instructions on how to direct the payment into his or her account.

Account Information: (routing and account number): the money will be deposited directly into your contact's account. You will also have the option to send an email to your contact. 

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Which mobile service carriers support Mobile Banking?

The MutualMobile product supports the Tier 1 carriers in the U.S., including:

  • AT&T®
  • Verizon®
  • Sprint®
  • T-Mobile®

MutualMobile's support for non-Tier 1 carriers depends on the contractual agreement between the SMS gateway provider (aggregator) and the individual carrier.

Supported Operating Systems, Browsers and Networks
The following statements outline the scope of MutualMobile’s general optimization approach. Phones outside the following guidelines have not been selected for testing. The phones listed in the Supported Devices document are tested and guaranteed for optimization with MutualMobile. There is no guarantee of optimization for phones not included in this list.
View the list of Supported Devices.

Tablets
Tablets are not supported at this time.

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Is there a maximum dollar amount I can deposit with a single check with mobile capture?

Any check deposited through the mobile capture feature cannot be over $1,500.00.

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I received my activation code but never used it - what do I do now?

Your activation code expires 24 hours after it is sent to you. However, you can always 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.

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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 and access the Mobile Banking pages. On the My Phones page, select Add New Phone. Back to top

What can I redeem my points for?

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.

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How will I receive my personalized card? 

Your card will be mailed to you via the US Postal Service. Your PIN mailer will arrive separately for your security. 

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When will the recipient receive the funds?

This depends on the delivery option selected by the sender. If the sender has selected 3-Day or Standard delivery then the recipient will receive the funds 3 business days after accepting the payment. If the sender has selected Next Day or Express delivery then the recipient will receive the funds 1 business day after accepting the payment.

If the sender does not have an option to select a delivery speed, funds will normally be available to the recipient on the next business day if you are sending money to someone who has used Popmoney and has selected the Automatic Deposit option. Funds will also be available on the next business day if you have provided your contact's account information. 

In some cases, like when you have exceeded payment limits, the funds will be available in 3 business days. 

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What do I need to use the mobile browser service?

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.

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.

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What is the maximum dollar amount I can deposit with the mobile capture feature in one day?

The daily dollar limit of depositing checks through mobile capture is $1,500.00.

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What does a typical request and response look like?

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

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What if my phone number changes?

If your mobile phone number changes, go to online banking and access the Mobile Banking pages. On the My Phones page, find the old phone number and select the option Change my phone number.

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What if my phone number changes?
If your mobile phone number changes, go to online banking and access the Mobile Banking pages. On the My Phones page, find the old phone number and select the option Change my phone number. Back to top

Can I share points with family members or other accounts?

Yes, all cards linked to the same account number automatically earn points together.  In addition, if you have multiple personal debit accounts with MutualBank you can link them together to earn rewards faster.  Go to UChooseRewards.com and visit the Preferences page to link more accounts to your program. Simply 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.

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How long will it take to receive my card?

After your request has been submitted and approved by MutualBank, you can expect your card to be mailed within 7-10 business days. 

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When will the funds be deducted from my account?

If you make a payment before 7:00p.m. Pacific time on a business day, the funds will be debited from your account on the same day.

If you make a payment after 7:00p.m. Pacific time or on a non-business day, the funds will be debited from your account on the next business day. 

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How do I access the Mobile Banking website?

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.

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What types of checks can I deposit?

Refer to the Mobile Banking Services Addendum available through MutualMobile or click here to view.

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What if my phone is lost or stolen?
If your mobile phone is lost or stolen, contact your carrier to freeze service. 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 can deactivate your phone in Mobile Banking. Go to online banking 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. Back to top

Can I link a credit card or debit card to an existing UChoose account?

Yes! 
Log in to UChooseRewards.com. Then click on "Preferences" on the left. 
Scroll to the bottom and under Link Another Account To Your Program, click "Learn How".
Enter your credit card or debit card number and click "Submit". 
You will be asked to enter the name as it is on the card, the last four digits of your Social Security Number and your Zip Code, then click "Submit".
You will receive a confirmation or denial when the page refreshes. 

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What if I pay a recurring bill using my debit card?

When your new card arrives, contact the vendor who initiates the bill payment and switch the transaction to your new card number. All new customized cards come with a new card number, three-digit security code and PIN.

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Why do I have limits on my payments?

For your protection, limits have been created on how much money and how many payments can be sent during various time periods. You can click the help icon next to the Amounts field to view your available limits. 

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Which accounts can I access in 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.

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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. Pending transactions are not visible.

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How do I sign/endorse the check?

Each check needs to be endorsed so that you know it was deposited through MutualMobile.  Examples: “For deposit only, Signature, MutualBank account ##########.” “Signature, mobile deposit.”

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What should I do if I don't get a response to a request?

Make sure you’re sending text messages to 48179. Be sure to check the keyword and any additional information required for the request, such as the financial institution’s identifier, account nickname, or address.

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Which phones can I use for Mobile Banking?
We support hundreds of models for these major brands: iPhone, BlackBerry, HTC, LG, Motorola, Nokia, Pantech, Samsung, Sanyo, and Sony Ericsson. We support phones on a number of different operating systems, including (but not limited to) Android, Blackberry, iOS, Symbian, Windows Mobile, Linux, Palm webOS, and Maemo. Back to top

When I redeem for a product, can I ship my redemption to an address other than the one MutualBank has on file for me?
No, for security reasons you can only ship your redemption to the address that MutualBank has on file for you.   If you need to update or change your address, please contact MutualBank for assistance. 
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My husband has a debit card and I have a debit card on our joint account. Can we each have different images? Can we both have the same image?

You can both have the same image or different images. Each card order is separate and will track to the card number. Whether you choose the same image for two separate cards or two different images for two separate cards, you will be billed $10.00 for each photo debit card ordered.

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Why are some of my contact options missing from the Send Method dropdown list?

For your protection, your contacts' accounts or email addresses in Popmoney may be placed on hold or suspended for various reasons. If this occurs, then you may not send money to these accounts. For example, if you fail verification when attempting to send money to them, this would result in a hold. 

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How long should I keep my paper check?

You need to retain your paper check for 45 days after the deposit.  After this time, your paper check should be destroyed.

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Can I send a keyword via e-mail?

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

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Which mobile service carriers support Mobile Banking?

The MutualMobile product supports the Tier 1 carriers in the U.S., including:

  • AT&T®
  • Verizon®
  • Sprint®
  • T-Mobile®

MutualMobile's support for non-Tier 1 carriers depends on the contractual agreement between the SMS gateway provider (aggregator) and the individual carrier.

Supported Operating Systems, Browsers and Networks
The following statements outline the scope of MutualMobile’s general optimization approach. Phones outside the following guidelines have not been selected for testing. The phones listed in the Supported Devices document are tested and guaranteed for optimization with MutualMobile. There is no guarantee of optimization for phones not included in this list.
View the list of Supported Devices.

Tablets
Tablets are not supported at this time.

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Can the points be redeemed at the point of purchase or can they only be redeemed online?
You can only redeem points online through UChooseRewards.com. Back to top

How will I receive the electronic gift certificate if I choose it instead of a plastic gift card?
The electronic gift certificate will arrive to the email address associated with the UChoose account. When you are logged into UChooseRewards.com, you may view your profile and determine if that is the correct email address. If it is not correct, please contact us via Online Banking, in person at one of our convenient locations or by calling 800-382-8031.  Back to top

Does my customized card still earn reward points?

As long as your card is registered at UChooseRewards.com, you will earn reward points. UChoose Loyalty Rewards is a promotional incentive program by MutualBank to its debit cardholders. With UChoose Loyalty Rewards, you can collect points for doing business with MutualBank or by using your debit card. Then, you can use your points to choose from a wide array of products, travel experiences and activities, event tickets, cash and more! Log on to UChooseRewards.com for more information. 

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Why am I asked to enter a message to the contact? 

A personal message helps to give your contact confidence that they are receiving a payment from someone they know. It is also your opportunity to communicate the purpose of the payment. 

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What do I need to download the Mobile Banking application?

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.

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What do I do if the system won’t accept the picture of my check?

Make sure the check is on a flat surface without anything else in the area and retake the photo.

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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. T-Mobile prepaid does not support short codes, therefore, you will not be able to use the SMS text message feature of Mobile Banking with T-Mobile prepaid. Back to top

If I am close to having enough points to redeem, can I purchase the points I need?
Yes, you can purchase the excess points if you do not have enough UChoose points. Once you select the item you are purchasing, you will have an option to purchase the excess points. This will occur through the checkout process on UChooseRewards.com. Back to top

What are the fees associated with the service?

A fee may be charged for each Popmoney transaction. Fees for the transaction are displayed below the amount field. 

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How do I download Mobile Banking to my phone?

For most phones, you can download Mobile Banking directly to your phone. Go to your App Store and download TouchBanking. Enter your online banking credentials and App Code: mutual1889

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How long will my check images be in mobile banking?

Images will be available for 45 ays from the date of deposit.  Your mobile capture history will be available for 90 days.  After this time, you will need to view your account transaction history.

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Why are my results sent as multiple messages?

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.

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How do I stop using Mobile Banking on my phone?
To stop using Mobile Banking on your phone, go to online banking 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. Back to top

What will happen to my points if my card is lost or stolen?
If your card is lost or stolen and a replacement is issued, points will automatically be transferred to the new card. Once you receive your new card, you will need to re-register on UChooseRewards.com with your new card. Back to top

Can I cancel a payment?

Yes, you may cancel a payment anytime before or on the send date. Your contact will be notified if you cancel a payment after a payment notification has been sent. 

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How do I download Mobile Banking to my iPhone®?

During registration, you will receive a unique link to the App Store where you can download TouchBanking. Or download Touch Banking as you would any other application from the App Store. After you download and install the application, you will need to enter your online banking credentials and the App Code: mutual1889

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Common Error Messages and Resolutions

Cannot read the check.  Please retake the photo.  Hold the camera steady and ensure all four corners are visible.

Retake the photo.

 

Could not find endorsement on back of the check.  Make sure check is endorsed and retake the photo.

Retake the photo.

 

This check has already been submitted.  We cannot accept it again.

This item has already been received as a deposit and cannot be accepted for deposit again.

 

Poor lighting or contrast detected.  Please retake the photo with good lighting.

Retake the photo.

 

Cannot read account data on bottom of check. Please retake the photo.  Ensure the camera is in focus and all four corners are visible.

Retake the photo.

 

Significant rotation or angle detected.  Please retake the photo.  Hold phone flat above check and keep all four corners visible

Retake the photo.

 

It appears you submitted 2 images of front of check.  Please retake both front and rear photos.

Retake the photo and ensure that you have an image of the front and back of the check.

 

The amount you entered did not match the amount detected.  Please re-enter amount and retake photo.

Go to ‘New Deposit’ and try the deposit again.

 

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I want to stop using Mobile Banking on my phone. Do I need to do anything?

To stop using Mobile Banking on your phone, go to online banking 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.

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How do 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 can choose which:

  • Services you want to use.
  • Accounts you want to access.
  • SMS and WAP

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.

To download the app:
Go to your App Store and download TouchBanking. Enter your online credentials and the App Code: mutual1889

You can also call Customer Support at 800-382-8031 or email customersupport@bankwithmutual.com to assist you with the registration process.

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If someone manages to get access to my UChoose Rewards user name and password, can they redeem my points?
Yes, they can redeem your points if the login information is compromised and used improperly, but whatever is redeemed can only be sent to the address on file with MutualBank. Back to top

How do I add a contact?

There are two ways to add a contact: 

Click on the Contacts tab and click on the Add Contact button. Enter the required fields and click Save.

Click on the Add New Contact link in the drop-down list that appears when you click on the To field. Enter the required fields on the popup window and click Save.

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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, call Customer Support at 800-382-8031 or email at customersupport@bankwithmutual.com. Back to top

If I have a discount card with a retailer, will I still be able to receive my discount and UChoose Loyalty Reward points?
Yes, if you have a discount card with a retailer, you will be able to receive the discount as well as the UChoose Loyalty Reward points. Back to top

Can I send money internationally?

No, currently you can only use Popmoney to send money within the United States. If you send a payment to your contact's email or mobile, your contact will be required to provide a US bank account to receive the funds. Otherwise, the payment cannot be processed and the funds will be returned to your account. 

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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, call Customer Support at 800-382-8031 or email at customersupport@bankwithmutual.com.

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Can I register multiple users to the same phone?

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.

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What if I have another question?

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

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Can I create a payment with a future date?

Yes, Popmoney allows you to schedule one time or recurring future payments.

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Can I register multiple users to the same phone?

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.

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I received my activation code but never used it - what do I do now?
Your activation code expires 24 hours after it is sent to you. However, you can always 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. Back to top

What are the different ways I can request money from someone? 

You can send money to someone using his/her:

Email address: your contact will receive an email with instructions on how to pay the request.

Mobile number: a text message will be sent to the recipient on your behalf with instructions on how to pay the request.

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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 and access the Mobile Banking pages. On the My Phones page, select Add New Phone.

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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 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.
If you’re still having problems with the activation code, call Customer Support at 800-382-8031 or email customersupport@bankwithmutual.com for assistance. Back to top

When will I receive the funds?

3 business days after the recipient of the request makes the payment. The money will be deposited to the account you selected when sending the request.

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What do I need to use the text messaging service?

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. 
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Why do I have limits on my requests?

For your protections, limits have been created on how many requests and value of requests can be sent during various time periods. Please click the Icon next to the Amounts field to view your available limits.

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Why are my Mobile Banking text messages coming from 48179?
You receive all Mobile Banking text messages from 48179. To make it easier to recognize our text messages, add us to your contact list with the short code 48179. Back to top

Can I request money from multiple contacts at a time?

Yes. You can request money from multiple contacts by entering their phone numbers or email addresses in the "From" field. You can also request and specify different amounts from different people in the same request.

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What is a short code?

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.

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Do I pay a fee if my request is not paid?

No. Fees will be deducted only if you receive a payment. No fee will be charged if the request is not paid.

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What do you mean when you say "standard messaging charges may apply?"

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.

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Why am I asked to enter a message to the contact?

A personal message gives the contact the confidence that he/she is receiving the request from someone they know. It is also an opportunity for you to communicate the purpose of the request to the contact.

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Where do I send my text messages?
Send all text messages to 48179. Back to top

Can I cancel a request?

Yes, you may cancel a payment anytime before or on the send date. Your contact will be notified if you cancel a payment after a payment notification has been sent. 

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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’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.

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Why don't I see a payment that I'm expecting?

If you are expecting a payment and you do not see it in your Incoming Payments, this is most likely because you have not added the email address or mobile number to which the payment was sent. Have you added this email address or mobile number? If not, go to Preferences to add and verify it. Once you are done, you will be able to see the payment immediately.

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Are the keywords case-sensitive?

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

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When will the funds be available in my account after I deposit the payment?

Click Activity to view the estimated date when the funds will be available. All payments are available within 3 business days, though some may be available sooner depending on delivery speed and the date that the payment was sent. 

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What does a typical request and response look like?

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

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Why am I asked to verify my mobile number to deposit a payment sent to my email address?

As a security precaution, the sender provided your mobile number when they scheduled the payment. You need to verify access to this mobile number in order to confirm your identity and receive the funds. 

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What should I do if I don't get a response to a request?
Make sure you’re sending text messages to 48179. Be sure to check the keyword and any additional information required for the request, such as the financial institution’s identifier, account nickname, or address. Back to top

Can I send a keyword via e-mail?

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

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Why are my results sent as multiple messages?

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.

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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'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.

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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 options. You must have short codes enabled to use Mobile Banking. (Short codes are abbreviated phone numbers, usually five digits, used to send Mobile Banking messages.) Check your phone options and then contact your mobile service carrier to ensure they aren't blocking short codes. Back to top

What do I need to use the mobile browser service?

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.

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. Back to top

How do I access the Mobile Banking website?

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.

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I can't find my link to the Mobile Banking website. What should I do?
If you can’t find the message that was sent during registration with the unique URL for Mobile Banking, you can request another message. Sign into your online banking account, click on 'Options' and go to the My Phones page, find the phone number, and select the option Get a link to the Mobile Banking websiteBack to top

What do I need to download the Mobile Banking application?

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.

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How do I download Mobile Banking to my phone?

For most phones, you can download Mobile Banking directly to your phone. Go to your App Store and download TouchBanking. Enter your online banking credentials and App Code: mutual1889

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How do I download Mobile Banking to my iPhone®?

During registration, you will receive a unique link to the App Store where you can download TouchBanking. Or download Touch Banking as you would any other application from the App Store. After you download and install the application, you will need to enter your online banking credentials and the App Code: mutual1889

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When I click on the link to download Mobile Banking nothing happens. What should I do?
Every mobile phone and mobile network is different, so you may not be able to download Mobile Banking to your phone. If you’re having trouble, contact your mobile service carrier to make sure your phone supports application downloads. Back to top

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    Tuesday, April 15, 2014

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Personal Banking Security Measures for the 21st Century

clientuploads/21st-Century-Securitysquare180.pngMany of us are constantly connected to the online world these days. This means that the potential is there for our computers and personal information to be compromised which greatly increases the risk of ID theft and financial fraud to occur. However, by taking some basic precautions you can significantly reduce the risk of your computing environment being compromised. Following these simple guidelines should help your computing environment become more secure:

Keep your computer and software up-to-date

Keep your computers and network equipment secured with the latest software updates and enable automatic updates whenever possible.  This includes updates to third party applications such as Java and Adobe Products.  

Use hard drive encryption

In the event your machine is lost or stolen, drive encryption can prevent others from accessing the data on your hard drive.  The purpose is to encrypt or scramble your data on your machine so that it can only be read with your encryption key.Many operating systems offer drive encryption.  Microsoft offers Bitlocker and Apple has FileVault. There are also other third party encryption offerings.   

Enable your firewall

Think of the firewall to your computer as the fence around your property.  If there were multiple holes cut in the fence, it wouldn’t be very useful at keeping people out.  Firewalls are typically enabled by default on Windows machines, but double check to make sure it’s on.  Here are instructions to do so if you are using Windows 7. Only allow necessary applications inbound access through your firewall. The same principles apply to your network firewall. 

Configure your screensaver

Set an auto-locking screensaver so your account gets locked out after a few minutes.  This is useful if you forget to lock your machine when are away from it. On Windows machines this can usually be done by pressing the “Windows Key” and the “L” button simultaneously.

Make your passwords stronger

The longer and more complex the password, the better.  At least 16 characters with a combination of upper and lowecase letters, numbers, and special characters is a best practice.

Configure your router

Use the strongest wireless security available (currently WPA2-CCMP) with a long and complex password for your wireless network. Disable WPS on your wireless router for greater security.   

 


Think that some secure banking information
of yours has been compromised?

If you suspect that your personal financial information has been compromised, call MutualBank Customer Support at 800-382-8031.


 

Monday, April 7, 2014

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FAQ
What do I need to open an account with MutualBank?

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.

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Is my online application secure?

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). 

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What information do I need to open a joint account?
You'll need the same information that's required when opening an individual account—but you'll need it for both applicants. For details, select "What do I need to open an account with MutualBank?" above. Back to top

Why is personal information required to open an account online?
Your application is processed subject to our ability to verify your identity. (For more information, select "What do I need to open an account with MutualBank?" above.) Back to top

Is a minimum deposit required to open an account online?
Please refer to our account selection page for product minimums. Back to top

When is the opening deposit processed?
ACH transfers from your existing account at another financial institution to your new account will occur on the third business day. If you currently are a MutualBank customer and are transferring money from an existing account with us, the transfer will occur on the next business day. Back to top

Can I change the information on my account application?
You have the option to edit your account information prior to submitting the information to MutualBank. Simply click on the "Edit" button above the grouping of information you would like to change, and you will be permitted to change your input. Back to top

When will I receive my Debit Card?

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.

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When will I receive my ATM Card?

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.

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What do I need to do when I'll be traveling?

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.

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How do I sign up for Online Banking?

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.

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How do I sign up for Online Bill Pay?
Once you can access Online Banking, you can sign up for bill pay by choosing the green "Accounts" button on the left hand side of the screen, selecting your checking account, and then Bill Payment. Follow the instructions to finish setting up your account for online bill pay. Back to top

How do I sign-up for eStatements?
Already an online banking user? Sign in and click on the eStatement link.
Not an online banking user? You can sign-up for online banking OR sign-up for eStatement access onlyBack to top

I have more than one account, can I Combined Statements?
If you have multiple accounts with MutualBank, with at least one of them being a checking account, you can request a combined statement. Please email customersupport@bankwithmutual.com to get set up today! Back to top

How do I order Checks?
To order checks through Deluxe, please click here. Back to top

How do I sign up for UChoose Rewards?

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.

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Any other Questions?
Please direct all other questions to customersupport@bankwithmutual.com or call 800-382-8031. Back to top

What are UChoose Loyalty Rewards?

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.

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Who's eligible for a MutualBank customized VISA® Debit Card?

Those who have a MutualBank account with a VISA® Debit Card. The primary account owner and joint owners on the account can customize their card. 

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What is Mobile Banking?

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. Download the TouchBanking app from your App Store. You must enter your online banking credentials and App Code: mutual1889

 

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How do I earn points?

Earn points in three different ways:

1. Debit Card Purchases:
You'll earn the following for your everyday debit card purchases:
  • Earn 1 point for every $2 when you complete a signature-based transaction.
  • Earn 1 point for every $5 when you make a pin-based transaction. 
  • Earn additional points with each purchase when you shop at select retailers. See a complete list of participating retailers at UChooseRewards.com.
2. Balances
  • Earn 1 point for every $1,000** of deposit, loan, investment or wealth management balances.

3. New Accounts

Points accumulate monthly.

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What if I have an existing MutualBank VISA® Debit Card?

In order to receive your new customized card, you will need to Apply Online first. You will receive your customized debit card in the mail. You will receive a new card number and new PIN.

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What is Popmoney?

Popmoney is an innovative personal payment service offered by leading financial institutions that eliminates the hassles of checks and cash. Now, sending and receiving money is as easy as emailing and texting. And you don't need a new account to send or receive money. Just use your current bank/financial institution account. 

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What is Mobile Banking?

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. Download the TouchBanking app from your App Store. You must enter your online banking credentials and App Code: mutual1889

 

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

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.

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What is mobile capture?

Mobile capture allows you to deposit your paper check through MutualMobile.

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What do I need to use the text messaging service?

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. 
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I can't find my link to the Mobile Banking website. What should I do?

If you can’t find the message that was sent during registration with the unique URL for Mobile Banking, you can request another message. Sign into your online banking account, click on 'Options' and go to the My Phones page, find the phone number, and select the option Get a link to the Mobile Banking website

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

When I click the link for the 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 can’t access the Mobile Banking website, please contact your mobile service carrier.

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Where can I earn points?

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.

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What will happen to my existing MutualBank VISA® Debit Card?

Your existing card will be closed 30 days after your new customized debit card is ordered.

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How does Popmoney work?

Sending Money

To send money, log in to your online banking account and look for Popmoney. Send money to anyone using their email address or account information. You will be notified when the transaction is completed.

Receiving Money

When someone sends money to you, you will receive an email or text message. 

If your financial institution offers Popmoney, you can log in to your account and direct the funds there. If your financial institution does not offer Popmoney, you can provide your account information at Popmoney.com, and your money will be sent to that account. 

If you do not provide your account information, the payment will be automatically returned to the sender's account.

Money sent directly to an account will be automatically deposited. No action is required by the recipient. 

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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.

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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.

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How do I access the mobile capture feature?

Mobile capture is a feature included in our MutualMobile app you can download.  In the MutualMobile app, click the "Deposits" tab to access mobile capture.

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Why are my Mobile Banking text messages coming from 48179?

You receive all Mobile Banking text messages from 48179. To make it easier to recognize our text messages, add us to your contact list with the short code 48179.

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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. Back to top

How often can I change my design to a customized MutualBank VISA® Debit Card?

You can change the existing card for either the primary account owner or joint owner as often as you like.

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What can I use Popmoney for?

Popmoney is easy and convenient for you and the people you send money to. They can simply receive the money into their bank account online. The following are just a few of the convenient ways that you can use Popmoney:

  • Send money to your child at college
  • Send a gift to family and friends
  • Reimburse friends for that fun outing
  • Pay your babysitter or your lawn care service
  • Pay rent to your landlord or roommates
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What do you mean when you say "standard messaging charges may apply?"

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.

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What if my phone is lost or stolen?

If your mobile phone is lost or stolen, contact your carrier to freeze service. 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 can deactivate your phone in Mobile Banking. Go to online banking 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.

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How do I use mobile capture?

After downloading and logging into the MutualMobile app, navigate to the ‘Deposits’ tab.  You will then be prompted to enter the dollar amount of the check and to take photos of the front and back of the check using your mobile device's camera.

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What is a short code?

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.

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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 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.

If you’re still having problems with the activation code, call Customer Support at 800-382-8031 or email customersupport@bankwithmutual.com for assistance.

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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.

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How much does it cost to participate?

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

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What images are not acceptable?

Please see our Image Guidelines for our criteria for acceptable photo submissions. MutualBank reserves the right to reject any image we believe violates our Image Guidelines. If an image is rejected, you will be notified by email within two business days. You may submit a new image anytime following your rejection. 

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Will my account information be shared with the recipient?

No, your account information will not be shared with the recipient. The recipient will only see your first name, last name and the message you wrote for the payment. When you send a payment to an email address, the recipient will also see your email address. Similarly, you will not be able to see the recipient's account information.

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How do 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 can choose which:

  • Services you want to use.
  • Accounts you want to access.
  • SMS and WAP

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.

To download the app:
Go to your App Store and download TouchBanking. Enter your online credentials and the App Code: mutual1889

You can also call Customer Support at 800-382-8031 or email customersupport@bankwithmutual.com to assist you with the registration process.

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How will I know if my deposit was accepted?

You will be able to track the status of your deposit through MutualMobile and the ‘Deposits’ tab.  If your deposit is not accepted, you will receive an email from customersupport@bankwithmutual.com.  The email will be sent to the email address we have on file.

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Where do I send my text messages?

Send all text messages to 48179.

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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'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.

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Which accounts can I access in 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.

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Where can I view my point activity?

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

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How much does it cost?

A fee of $10.00 will be deducted from your checking account linked to your VISA® Debit Card each time you create a new card. 

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Do I need to verify my email address and phone number?

Verification of your email address and phone number may be required for security reasons. Entering the correct verification codes ensures that you have access to your email and phone. You may also be asked to verify your mobile phone in the future to send and receive payments.

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Which phones can I use for Mobile Banking?

We support hundreds of models for these major brands: iPhone, BlackBerry, HTC, LG, Motorola, Nokia, Pantech, Samsung, Sanyo, and Sony Ericsson. We support phones on a number of different operating systems, including (but not limited to) Android, Blackberry, iOS, Symbian, Windows Mobile, Linux, Palm webOS, and Maemo.

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Do I have to agree to the terms and conditions to use mobile capture?

Your use of mobile deposit is your acceptance of the terms and conditions.  If you do not agree to the terms and conditions, please do not use mobile capture or notify us to remove this option from your MutualMobile app.

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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’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.

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Are the keywords case-sensitive?

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

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Are the keywords case-sensitive?

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

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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 options. You must have short codes enabled to use Mobile Banking. (Short codes are abbreviated phone numbers, usually five digits, used to send Mobile Banking messages.) Check your phone options and then contact your mobile service carrier to ensure they aren't blocking short codes.

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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. Pending transactions are not visible.

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Where can I redeem points?

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.

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How do I see how many points a gift card costs?
First, select the kind or company gift card you want to redeem. Then, select the denomination of the gift card you want. Finally, select the type of card you'd like to receive. The options will be 'plastic', 'email' or both. Once you go through those first three steps, the point value will be revealed. You can then determine to continue with purchasing the gift card or begin a new search. Back to top

What happens when my card expires?

Upon expiration of your card, a new card will be sent with the same image as your most recent card. 

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What are the different ways I can send money to someone?

You can send money to someone using their email address, mobile number or account information:

Email address: your contact will receive an email with instructions on how to direct the payment into his or her account.

Mobile number: a text message will be sent to the recipient on your behalf with instructions on how to direct the payment into his or her account.

Account Information: (routing and account number): the money will be deposited directly into your contact's account. You will also have the option to send an email to your contact. 

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Which mobile service carriers support Mobile Banking?

The MutualMobile product supports the Tier 1 carriers in the U.S., including:

  • AT&T®
  • Verizon®
  • Sprint®
  • T-Mobile®

MutualMobile's support for non-Tier 1 carriers depends on the contractual agreement between the SMS gateway provider (aggregator) and the individual carrier.

Supported Operating Systems, Browsers and Networks
The following statements outline the scope of MutualMobile’s general optimization approach. Phones outside the following guidelines have not been selected for testing. The phones listed in the Supported Devices document are tested and guaranteed for optimization with MutualMobile. There is no guarantee of optimization for phones not included in this list.
View the list of Supported Devices.

Tablets
Tablets are not supported at this time.

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Is there a maximum dollar amount I can deposit with a single check with mobile capture?

Any check deposited through the mobile capture feature cannot be over $1,500.00.

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I received my activation code but never used it - what do I do now?

Your activation code expires 24 hours after it is sent to you. However, you can always 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.

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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 and access the Mobile Banking pages. On the My Phones page, select Add New Phone. Back to top

What can I redeem my points for?

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.

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How will I receive my personalized card? 

Your card will be mailed to you via the US Postal Service. Your PIN mailer will arrive separately for your security. 

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When will the recipient receive the funds?

This depends on the delivery option selected by the sender. If the sender has selected 3-Day or Standard delivery then the recipient will receive the funds 3 business days after accepting the payment. If the sender has selected Next Day or Express delivery then the recipient will receive the funds 1 business day after accepting the payment.

If the sender does not have an option to select a delivery speed, funds will normally be available to the recipient on the next business day if you are sending money to someone who has used Popmoney and has selected the Automatic Deposit option. Funds will also be available on the next business day if you have provided your contact's account information. 

In some cases, like when you have exceeded payment limits, the funds will be available in 3 business days. 

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What do I need to use the mobile browser service?

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.

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.

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What is the maximum dollar amount I can deposit with the mobile capture feature in one day?

The daily dollar limit of depositing checks through mobile capture is $1,500.00.

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What does a typical request and response look like?

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

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What if my phone number changes?

If your mobile phone number changes, go to online banking and access the Mobile Banking pages. On the My Phones page, find the old phone number and select the option Change my phone number.

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What if my phone number changes?
If your mobile phone number changes, go to online banking and access the Mobile Banking pages. On the My Phones page, find the old phone number and select the option Change my phone number. Back to top

Can I share points with family members or other accounts?

Yes, all cards linked to the same account number automatically earn points together.  In addition, if you have multiple personal debit accounts with MutualBank you can link them together to earn rewards faster.  Go to UChooseRewards.com and visit the Preferences page to link more accounts to your program. Simply 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.

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How long will it take to receive my card?

After your request has been submitted and approved by MutualBank, you can expect your card to be mailed within 7-10 business days. 

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When will the funds be deducted from my account?

If you make a payment before 7:00p.m. Pacific time on a business day, the funds will be debited from your account on the same day.

If you make a payment after 7:00p.m. Pacific time or on a non-business day, the funds will be debited from your account on the next business day. 

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How do I access the Mobile Banking website?

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.

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What types of checks can I deposit?

Refer to the Mobile Banking Services Addendum available through MutualMobile or click here to view.

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What if my phone is lost or stolen?
If your mobile phone is lost or stolen, contact your carrier to freeze service. 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 can deactivate your phone in Mobile Banking. Go to online banking 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. Back to top

Can I link a credit card or debit card to an existing UChoose account?

Yes! 
Log in to UChooseRewards.com. Then click on "Preferences" on the left. 
Scroll to the bottom and under Link Another Account To Your Program, click "Learn How".
Enter your credit card or debit card number and click "Submit". 
You will be asked to enter the name as it is on the card, the last four digits of your Social Security Number and your Zip Code, then click "Submit".
You will receive a confirmation or denial when the page refreshes. 

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What if I pay a recurring bill using my debit card?

When your new card arrives, contact the vendor who initiates the bill payment and switch the transaction to your new card number. All new customized cards come with a new card number, three-digit security code and PIN.

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Why do I have limits on my payments?

For your protection, limits have been created on how much money and how many payments can be sent during various time periods. You can click the help icon next to the Amounts field to view your available limits. 

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Which accounts can I access in 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.

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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. Pending transactions are not visible.

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How do I sign/endorse the check?

Each check needs to be endorsed so that you know it was deposited through MutualMobile.  Examples: “For deposit only, Signature, MutualBank account ##########.” “Signature, mobile deposit.”

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What should I do if I don't get a response to a request?

Make sure you’re sending text messages to 48179. Be sure to check the keyword and any additional information required for the request, such as the financial institution’s identifier, account nickname, or address.

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Which phones can I use for Mobile Banking?
We support hundreds of models for these major brands: iPhone, BlackBerry, HTC, LG, Motorola, Nokia, Pantech, Samsung, Sanyo, and Sony Ericsson. We support phones on a number of different operating systems, including (but not limited to) Android, Blackberry, iOS, Symbian, Windows Mobile, Linux, Palm webOS, and Maemo. Back to top

When I redeem for a product, can I ship my redemption to an address other than the one MutualBank has on file for me?
No, for security reasons you can only ship your redemption to the address that MutualBank has on file for you.   If you need to update or change your address, please contact MutualBank for assistance. 
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My husband has a debit card and I have a debit card on our joint account. Can we each have different images? Can we both have the same image?

You can both have the same image or different images. Each card order is separate and will track to the card number. Whether you choose the same image for two separate cards or two different images for two separate cards, you will be billed $10.00 for each photo debit card ordered.

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Why are some of my contact options missing from the Send Method dropdown list?

For your protection, your contacts' accounts or email addresses in Popmoney may be placed on hold or suspended for various reasons. If this occurs, then you may not send money to these accounts. For example, if you fail verification when attempting to send money to them, this would result in a hold. 

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How long should I keep my paper check?

You need to retain your paper check for 45 days after the deposit.  After this time, your paper check should be destroyed.

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Can I send a keyword via e-mail?

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

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Which mobile service carriers support Mobile Banking?

The MutualMobile product supports the Tier 1 carriers in the U.S., including:

  • AT&T®
  • Verizon®
  • Sprint®
  • T-Mobile®

MutualMobile's support for non-Tier 1 carriers depends on the contractual agreement between the SMS gateway provider (aggregator) and the individual carrier.

Supported Operating Systems, Browsers and Networks
The following statements outline the scope of MutualMobile’s general optimization approach. Phones outside the following guidelines have not been selected for testing. The phones listed in the Supported Devices document are tested and guaranteed for optimization with MutualMobile. There is no guarantee of optimization for phones not included in this list.
View the list of Supported Devices.

Tablets
Tablets are not supported at this time.

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Can the points be redeemed at the point of purchase or can they only be redeemed online?
You can only redeem points online through UChooseRewards.com. Back to top

How will I receive the electronic gift certificate if I choose it instead of a plastic gift card?
The electronic gift certificate will arrive to the email address associated with the UChoose account. When you are logged into UChooseRewards.com, you may view your profile and determine if that is the correct email address. If it is not correct, please contact us via Online Banking, in person at one of our convenient locations or by calling 800-382-8031.  Back to top

Does my customized card still earn reward points?

As long as your card is registered at UChooseRewards.com, you will earn reward points. UChoose Loyalty Rewards is a promotional incentive program by MutualBank to its debit cardholders. With UChoose Loyalty Rewards, you can collect points for doing business with MutualBank or by using your debit card. Then, you can use your points to choose from a wide array of products, travel experiences and activities, event tickets, cash and more! Log on to UChooseRewards.com for more information. 

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Why am I asked to enter a message to the contact? 

A personal message helps to give your contact confidence that they are receiving a payment from someone they know. It is also your opportunity to communicate the purpose of the payment. 

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What do I need to download the Mobile Banking application?

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.

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What do I do if the system won’t accept the picture of my check?

Make sure the check is on a flat surface without anything else in the area and retake the photo.

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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. T-Mobile prepaid does not support short codes, therefore, you will not be able to use the SMS text message feature of Mobile Banking with T-Mobile prepaid. Back to top

If I am close to having enough points to redeem, can I purchase the points I need?
Yes, you can purchase the excess points if you do not have enough UChoose points. Once you select the item you are purchasing, you will have an option to purchase the excess points. This will occur through the checkout process on UChooseRewards.com. Back to top

What are the fees associated with the service?

A fee may be charged for each Popmoney transaction. Fees for the transaction are displayed below the amount field. 

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How do I download Mobile Banking to my phone?

For most phones, you can download Mobile Banking directly to your phone. Go to your App Store and download TouchBanking. Enter your online banking credentials and App Code: mutual1889

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How long will my check images be in mobile banking?

Images will be available for 45 ays from the date of deposit.  Your mobile capture history will be available for 90 days.  After this time, you will need to view your account transaction history.

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Why are my results sent as multiple messages?

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.

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How do I stop using Mobile Banking on my phone?
To stop using Mobile Banking on your phone, go to online banking 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. Back to top

What will happen to my points if my card is lost or stolen?
If your card is lost or stolen and a replacement is issued, points will automatically be transferred to the new card. Once you receive your new card, you will need to re-register on UChooseRewards.com with your new card. Back to top

Can I cancel a payment?

Yes, you may cancel a payment anytime before or on the send date. Your contact will be notified if you cancel a payment after a payment notification has been sent. 

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How do I download Mobile Banking to my iPhone®?

During registration, you will receive a unique link to the App Store where you can download TouchBanking. Or download Touch Banking as you would any other application from the App Store. After you download and install the application, you will need to enter your online banking credentials and the App Code: mutual1889

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Common Error Messages and Resolutions

Cannot read the check.  Please retake the photo.  Hold the camera steady and ensure all four corners are visible.

Retake the photo.

 

Could not find endorsement on back of the check.  Make sure check is endorsed and retake the photo.

Retake the photo.

 

This check has already been submitted.  We cannot accept it again.

This item has already been received as a deposit and cannot be accepted for deposit again.

 

Poor lighting or contrast detected.  Please retake the photo with good lighting.

Retake the photo.

 

Cannot read account data on bottom of check. Please retake the photo.  Ensure the camera is in focus and all four corners are visible.

Retake the photo.

 

Significant rotation or angle detected.  Please retake the photo.  Hold phone flat above check and keep all four corners visible

Retake the photo.

 

It appears you submitted 2 images of front of check.  Please retake both front and rear photos.

Retake the photo and ensure that you have an image of the front and back of the check.

 

The amount you entered did not match the amount detected.  Please re-enter amount and retake photo.

Go to ‘New Deposit’ and try the deposit again.

 

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I want to stop using Mobile Banking on my phone. Do I need to do anything?

To stop using Mobile Banking on your phone, go to online banking 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.

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How do 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 can choose which:

  • Services you want to use.
  • Accounts you want to access.
  • SMS and WAP

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.

To download the app:
Go to your App Store and download TouchBanking. Enter your online credentials and the App Code: mutual1889

You can also call Customer Support at 800-382-8031 or email customersupport@bankwithmutual.com to assist you with the registration process.

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If someone manages to get access to my UChoose Rewards user name and password, can they redeem my points?
Yes, they can redeem your points if the login information is compromised and used improperly, but whatever is redeemed can only be sent to the address on file with MutualBank. Back to top

How do I add a contact?

There are two ways to add a contact: 

Click on the Contacts tab and click on the Add Contact button. Enter the required fields and click Save.

Click on the Add New Contact link in the drop-down list that appears when you click on the To field. Enter the required fields on the popup window and click Save.

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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, call Customer Support at 800-382-8031 or email at customersupport@bankwithmutual.com. Back to top

If I have a discount card with a retailer, will I still be able to receive my discount and UChoose Loyalty Reward points?
Yes, if you have a discount card with a retailer, you will be able to receive the discount as well as the UChoose Loyalty Reward points. Back to top

Can I send money internationally?

No, currently you can only use Popmoney to send money within the United States. If you send a payment to your contact's email or mobile, your contact will be required to provide a US bank account to receive the funds. Otherwise, the payment cannot be processed and the funds will be returned to your account. 

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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, call Customer Support at 800-382-8031 or email at customersupport@bankwithmutual.com.

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Can I register multiple users to the same phone?

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.

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What if I have another question?

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

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Can I create a payment with a future date?

Yes, Popmoney allows you to schedule one time or recurring future payments.

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Can I register multiple users to the same phone?

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.

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I received my activation code but never used it - what do I do now?
Your activation code expires 24 hours after it is sent to you. However, you can always 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. Back to top

What are the different ways I can request money from someone? 

You can send money to someone using his/her:

Email address: your contact will receive an email with instructions on how to pay the request.

Mobile number: a text message will be sent to the recipient on your behalf with instructions on how to pay the request.

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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 and access the Mobile Banking pages. On the My Phones page, select Add New Phone.

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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 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.
If you’re still having problems with the activation code, call Customer Support at 800-382-8031 or email customersupport@bankwithmutual.com for assistance. Back to top

When will I receive the funds?

3 business days after the recipient of the request makes the payment. The money will be deposited to the account you selected when sending the request.

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What do I need to use the text messaging service?

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. 
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Why do I have limits on my requests?

For your protections, limits have been created on how many requests and value of requests can be sent during various time periods. Please click the Icon next to the Amounts field to view your available limits.

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Why are my Mobile Banking text messages coming from 48179?
You receive all Mobile Banking text messages from 48179. To make it easier to recognize our text messages, add us to your contact list with the short code 48179. Back to top

Can I request money from multiple contacts at a time?

Yes. You can request money from multiple contacts by entering their phone numbers or email addresses in the "From" field. You can also request and specify different amounts from different people in the same request.

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What is a short code?

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.

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Do I pay a fee if my request is not paid?

No. Fees will be deducted only if you receive a payment. No fee will be charged if the request is not paid.

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What do you mean when you say "standard messaging charges may apply?"

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.

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Why am I asked to enter a message to the contact?

A personal message gives the contact the confidence that he/she is receiving the request from someone they know. It is also an opportunity for you to communicate the purpose of the request to the contact.

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Where do I send my text messages?
Send all text messages to 48179. Back to top

Can I cancel a request?

Yes, you may cancel a payment anytime before or on the send date. Your contact will be notified if you cancel a payment after a payment notification has been sent. 

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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’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.

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Why don't I see a payment that I'm expecting?

If you are expecting a payment and you do not see it in your Incoming Payments, this is most likely because you have not added the email address or mobile number to which the payment was sent. Have you added this email address or mobile number? If not, go to Preferences to add and verify it. Once you are done, you will be able to see the payment immediately.

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Are the keywords case-sensitive?

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

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When will the funds be available in my account after I deposit the payment?

Click Activity to view the estimated date when the funds will be available. All payments are available within 3 business days, though some may be available sooner depending on delivery speed and the date that the payment was sent. 

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What does a typical request and response look like?

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

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Why am I asked to verify my mobile number to deposit a payment sent to my email address?

As a security precaution, the sender provided your mobile number when they scheduled the payment. You need to verify access to this mobile number in order to confirm your identity and receive the funds. 

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What should I do if I don't get a response to a request?
Make sure you’re sending text messages to 48179. Be sure to check the keyword and any additional information required for the request, such as the financial institution’s identifier, account nickname, or address. Back to top

Can I send a keyword via e-mail?

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

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Why are my results sent as multiple messages?

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.

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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'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.

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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 options. You must have short codes enabled to use Mobile Banking. (Short codes are abbreviated phone numbers, usually five digits, used to send Mobile Banking messages.) Check your phone options and then contact your mobile service carrier to ensure they aren't blocking short codes. Back to top

What do I need to use the mobile browser service?

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.

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. Back to top

How do I access the Mobile Banking website?

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.

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I can't find my link to the Mobile Banking website. What should I do?
If you can’t find the message that was sent during registration with the unique URL for Mobile Banking, you can request another message. Sign into your online banking account, click on 'Options' and go to the My Phones page, find the phone number, and select the option Get a link to the Mobile Banking websiteBack to top

What do I need to download the Mobile Banking application?

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.

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How do I download Mobile Banking to my phone?

For most phones, you can download Mobile Banking directly to your phone. Go to your App Store and download TouchBanking. Enter your online banking credentials and App Code: mutual1889

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How do I download Mobile Banking to my iPhone®?

During registration, you will receive a unique link to the App Store where you can download TouchBanking. Or download Touch Banking as you would any other application from the App Store. After you download and install the application, you will need to enter your online banking credentials and the App Code: mutual1889

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When I click on the link to download Mobile Banking nothing happens. What should I do?
Every mobile phone and mobile network is different, so you may not be able to download Mobile Banking to your phone. If you’re having trouble, contact your mobile service carrier to make sure your phone supports application downloads. Back to top

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