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Frequently Asked Questions

What is mobile banking?

Mobile banking enables anyone with an online banking account to access their account information from a mobile device. There are three ways to access your accounts:

  • Send a text message using your mobile device.
  • Use a mobile browser on your mobile device.
  • Download an application to your mobile device.

You can choose one of these options, depending on the capabilities of your mobile device.

SMS Text Messaging Service

Use the SMS text messaging service to:

  • Check account balances.
  • Review recent account activity.
  • Find ATM and branch locations.

To use the SMS text messaging service, your mobile device must send and receive text messages to and from a short code. Most mobile devices 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.

Mobile Browser Service

Use the mobile browser service to:

  • Check account balances.
  • Review recent account activity.
  • Transfer money between accounts.
  • Pay bills.
  • Change and cancel pending payments.
  • Find ATM and branch locations.

To use the mobile browser service, your mobile device must have an Internet browser and may require a data service plan.

Downloadable Application

Use the goBank app to:

  • Check account balances.
  • Review recent account activity.
  • Transfer money between accounts.
  • Pay bills.
  • Deposit checks using your device’s camera.
  • Change and cancel pending payments.
  • Find ATM and branch locations.

To use the mobile banking downloadable application, your mobile device must have an operating system that supports application downloads and may require a data service plan. You can download the GoBank application from the App Store on your iPhone or Android device.

Is mobile banking free?

Yes! GoBank is free of charge. Your wireless carrier may charge data (internet) charges.

How do I change my phone number for mobile banking?

Log back into Bank First’s Internet Banking, then select Options, Mobile Banking Profile, and Edit your new information.

How do I deactivate or stop using a mobile device?

Follow the steps listed below to deactivate or stop using your mobile device.

  1. Log into your online banking account using Internet Banking.
  2. Click the “Options” hyperlink.
  3. The options page is displayed. Locate the Mobile Banking Profile section and click “Manage Device(s)”.
  4. The Main Menu page is displayed. Select the “My Phones” tab. Locate the appropriate phone number, select “Stop using this phone for Mobile Banking” and then click “Go”.
  5. The Stop Using this phone page is displayed. Click “Yes”.
  6. The Main Menu page is again displayed. Close the app to return to your online banking session.

Which accounts can I access using mobile banking?

You can access any account you have set up in online banking. You select which accounts you want to access using GoBank during the enrollment process or from your Options/Mobile Banking Profile.

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 do not display but Pre-authorized transactions will be displayed.

Are transfers immediate?

Mobile Banking transfers are posted to your accounts in the same manner as if they were made through Bank First’s Internet Banking. Transfers made prior to 8 p.m. CT will process the same business day. If the transfer is made after 8 p.m. it will be processed the next business day.

Can someone intercept my mobile banking transactions?

No, 128-bit SSL encryption protects your information as it travels from your mobile device to Bank First. This is the same encryption technology that safeguards Internet traffic for secure Web applications.

Can I add more than one mobile phone?

Yes. You can enroll several mobile devices for mobile banking. To add a new phone, go to Options/Mobile Banking Profile section.

What if my phone is lost or stolen?

If your mobile device is lost or stolen, 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. To deactivate your mobile device, complete the How To Deactivate or Stop Using a Mobile Device section.

How do I view account balances, view transaction history, or locate an ATM or Branch using text messaging?

The following codes should be sent to the short code you received after activating the mobile device.

  • Send “B”, “BAL”, “BALANCE” or “BALANCES” to receive your balance.
  • Send “STMT”, “TRAN”, or “HIST” plus the nickname of the account to receive your transaction history.
  • Send “ATM” plus the ZIP code to locate an ATM.
  • Send “BRANCH” plus the Zip code to locate a branch.
  • Send “HELP” or “HLP” to request help

Text Messaging Tips

  • The keywords are not case-sensitive.
  • Your results may be sent as multiple messages, as text messages are limited to 160 characters. There will not be more than five messages at a time.

Who do I contact for help?

Call Bank First customer support at 920-652-3106.

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