Text Banking

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Use this guide to help you sign up for text banking, the easiest way to check your balances and make transfers without needing to log in or call customer service Text Banking lets you view your checking, savings, money market, and loan account balances through text messages sent straight to your phone. You can also transfer funds or pay bills directly from your phone with just a few text.

Benefits Of Text Banking

With Text Banking, you can manage your account quickly and securely using just a few commands. Rather than wait in line or call us to access account information, you can receive it instantly via text message. So if your bill is due on Thursday but something unexpected comes up, you don’t have to worry about late fees you can check your balance and transfer money before then. Text banking also gives you an easy way to keep track of transactions and stay organized without wasting time at home or work. Best of all, text lets you quickly compare balances and make transfers between accounts for free.  If you have a bank that offers Text Banking, you can easily sign up by texting BANK NAME to a number listed on your card. You’ll then receive a series of codes that you can use to gain access to information and make transfers. There’s no charge for doing so, although there may be restrictions for specific commands like transferring money between accounts or contacting customer service. Be sure to read all terms and conditions before signing up so you know what features are available and how to use them correctly.

How to Get Started With Text Banking?

First, there are a few commands you’ll need to Fountain Trust Online Banking know. Text balance followed by your bank name, and you’ll get your balance. This is a good way to make sure your information is correct and up to date. For example, if you tried to send money and thought that it didn’t go through, text balance Zelle followed by your account name, and you will be able to see if all of your account information is correct with Zelle before doing anything else.  Another handy command is transfer followed by your Zelle recipient’s name and account number. For example, if you wanted to send money from your PayPal to your bank account, you would text transfer PayPal followed by your bank’s name and account number. You will be prompted to set up a 4-digit PIN which will act as a passcode for all of your subsequent transactions. After doing so, simply type in how much money you want to send and hit enter. Your recipient will then receive an alert with instructions on how to claim their funds. Don’t forget that there are some basic things to remember when using text for a bank. You cannot use Text Banking while at an ATM or inside a financial institution you must use it via cell phone.

Security and Privacy Concerns with Text Banking

With a few text commands, you can quickly receive account information such as balances via text messages. You can even make transfers Footnote to other accounts by sending out an Text Banking message that is pre programmed with certain commands. While convenient for many banking consumers, these new features also carry security and privacy concerns. Banks are still working to make sure all of their systems are secure, but small missteps could result in fraud or identity theft for customers who do not take proper precautions when using banking.  When it comes to security, customers should check with their banks to see if they offer multi factor authentication on text banking accounts. Multi factor authentication requires that a user have more than one form of identification or authorization for their account to log in. For example, before logging into an account using Text Banking, you may need to enter your username and password as well as a code from your phone sent via text message. This type of system prevents someone else from simply guessing at your password over text messaging. Another secure precaution is setting up alerts that let customers know when money has been transferred out of their accounts. If something seems off about these alerts such as money being withdrawn from several different bank locations around town you will be notified instantly and can take action quickly to prevent further losses or theft.

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