Mobile banking questions and answers

Q: What is mobile banking?

A: Mobile banking is a free way to access your account information, transfer funds, pay bills, and manage your automatic payments. All you need is a mobile device that can access and browse the Internet. Think of it like banking from your home computer, but on a smaller screen that’s easier to navigate.

Q: Will I be charged for using mobile banking?

A: Oregon State Credit Union does not charge for mobile banking services. But your wireless provider may require you to subscribe to a data plan in order to access the Internet. If you’re unsure whether data or other usage fees apply to your device, please consult your wireless provider.

Q: Is mobile banking secure?

A: Yes, Oregon State Credit Union mobile banking is fully secure, using industry standard technologies (SSL, WTLS) and security certificates with 128-bit encrypted communication. No personal or confidential information is stored on your mobile device.

Q: Is mobile banking currently available to all online banking users?

A: Yes. You must login to online banking from a computer to enable mobile access. After that, mobile banking will be available to all users who own a mobile device with web browsing capability and Internet access.

Q: Will mobile banking work on my cell phone or mobile device?

Mobile banking will work on any cell phone or mobile device with web browsing capability and internet-access.

Q: Which wireless providers support this service?

A: Mobile banking works on all major wireless providers in the U.S., including but not limited to:

  • Alltel
  • AT&T
  • Cellular One (Dobson)
  • Nextel
  • Sprint
  • T-Mobile
  • US Cellular
  • Verizon Wireless
  • Virgin Mobile

Text banking questions and answers

Q: Is text banking secure?

A: Yes, Oregon State Credit Union text message banking is secure, and activation is completed behind the login security of online banking. Text messages will never contain confidential information about you, nor will they contain full account numbers.

Q: Does text banking require Internet access?

A: No, but it does require that text messaging be enabled through your wireless provider. If you’re unsure whether text messaging has been enabled for your phone, please consult your wireless provider.

Q: Will I be charged for text banking?

A: Oregon State Credit Union does not charge for text message banking services. But standard text messaging rates may apply through your wireless provider. If you’re unsure whether text messaging has been enabled for your phone, please consult your wireless provider.

Q: Will text banking work on my mobile phone?

A: Yes, as long as text messaging has been enabled through your wireless provider. If you’re unsure whether text messaging has been enabled for your phone, please consult your wireless provider.

Q: What number should I use for sending text banking keywords?

A: The number for text banking (also known as a “short code”) and other key commands can be found here.

Q: Which carriers support Oregon State Credit Union text banking?

A: Text banking works on all major wireless providers in the U.S. The following lists some, but not all, of the carriers that support this service:

  • AT&T
  • Alltel
  • Cellular One (Dobson)
  • Nextel
  • Sprint
  • T-Mobile
  • Unicel
  • US Cellular
  • Verizon Wireless
  • Telos

Mobile banking apps questions and answers

Q: Will I be charged for using Oregon State Credit Union mobile banking apps?

The apps will be available for free download beginning February 7, and Oregon State Credit Union will not charge a fee to use them. But your wireless provider may require you to subscribe to a data plan in order to access the Internet. If you’re unsure whether data or other usage fees apply to your device, please consult your wireless provider.

Q: Are mobile banking apps secure?

A: Yes, Oregon State Credit Union mobile banking apps are fully secure, using industry standard technologies (SSL, WTLS) and security certificates with 128 bit encrypted communication. No personal or confidential information is stored on the mobile device or in the mobile banking application.

Q: Will Oregon State Credit Union mobile banking apps be available for all users?

A: Starting February 7, online banking users must login from a computer to enable this feature. Thereafter, Oregon State Credit Union mobile banking apps will be available for download by all online banking users who own an iPhone/ iPad/ iPod Touch or Android mobile device that can access the Internet from a Wi-Fi source or 3G/EDGE network.

Q: What is an iOS device?

A: iOS refers to the Apple operating system found on the iPhone, iPad, and iPod Touch. For more information about these devices, please consult the manufacturer or an authorized distributor.

Q: What is an Android device?

A: Android refers to the Google operating system found on many smartphones and other mobile devices. For more information, please consult the manufacturer or an authorized distributor.

Q: How do I access the Internet from my mobile device?

A: Internet access points include a Wi-Fi source, or 3G/EDGE data network. For more information about how to access the Internet from your mobile device, please consult the device manufacturer or an authorized distributor.

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