Men looking at phones
There is currently no charge associated with the service. However, there may be charges associated with text messaging and data usage on your device. Check with your wireless provider for more information.
Yes, we have utilized best practices similar to those used with online banking, such as HTTPS, 128-bit SSL encryption, password access and application time-out when your mobile device is not in use. Mobile devices enabled to access your accounts will be enrolled by you personally. In addition, no account data is ever stored on your mobile device. In the event your mobile device is lost or stolen, the service can be immediately disabled by either going online to the Mobile Banking enrollment website or by calling us.
We support most of the popular US wireless phone carriers, including AT&T, Sprint, T-Mobile, and Verizon. If your carrier is not listed when you enroll, select ‘Other’ and try the Mobile Web option, or check back later, as new carriers will be added over time.
A data plan is typically selected by most mobile banking users, as data usage can become expensive without it. Please check with your wireless carrier for more information.
You must first enable your bank account(s) for online banking before using mobile banking.
Activation is a one-time process that helps ensure your security. There are two methods for enrollment: Activation Code for Text Banking and Device Enrollment for Mobile Banking.
Mobile banking gives you access to your accounts from your mobile web browser or a downloadable mobile banking application, depending on your preference and your mobile device capabilities. Both options allow you to: view account balances, search recent account activity, transfer funds, and find the nearest ATM or branch locations. On the downloadable mobile banking application, you also have the option to deposit checks.
You may enroll in Mobile Banking using Device Enrollment. Please refer to the Device Enrollment Section within these FAQs.
At the time of activation, a “cookie” is stored on your device which allows the Mobile Banking system to remember that you activated. The cookie is only visible by the Mobile Banking system and does not contain personal information. Some devices may require you to enable cookies or periodically erase them, requiring reactivation. If you are experiencing this issue, check your settings to ensure that cookies are enabled. If cookies are enabled and the issue persists, please contact your mobile network carrier for cookie support information on your device. If you would like to reactivate and text banking is enabled on your device, text R or RECOVER to 49794. If Americana Community Bank supports enrollment on your mobile device, you will not need to provide an activation code. However, you may be asked to enroll again due to issues with cookies.
Ensure your device’s browser has cookies enabled. In addition, enable style sheets for the best viewing experience.
To navigate, access the menu and choose an option.
Mobile Banking is supported on most devices with a mobile web browser that supports cookies. In addition, the mobile application is available on many smartphones including both iPhone and Android. Both mobile web and mobile applications may be found by entering the mobile web URL (http://m.americanafinancial.com) in your device’s browser.
For iPhone or iPad:
For Kindle Fire:
The same mobile app that runs on your phone will run on your tablet. In some cases, a tablet-optimized Mobile Banking application may be available for your tablet.
Text banking gives you access to your accounts via text (SMS) message on your phone. It’s a fast, easy way to look up account balances or recent account history by sending a text command to 49794.
All text messages should be sent to 49794
Yes. Simply enroll for both Text Banking and Mobile Banking to enable this.
Text Banking will work on any text message (SMS) capable phone from one of our supported carriers.
No. You will only receive messages when you specifically request them with one of the Text Banking commands or if you subscribe to Mobile Alerts.
Returns balance on default account
Returns balance for all accounts
Balance on a favorite account
Returns balance on Nickname account
Returns activity on default account
Activity on a favorite account
Returns activity on a nickname account
Guide to Text Commands
Returns short list of text banking commands
Returns a phone number for support
You must first enroll in the SMS/Text Banking in order to subscribe for Mobile Alerts. After registering for this mode, go to your Internet (Online) Banking alert page. From here you will be able to subscribe to the alerts you wish to receive on your mobile device.
Customers who have a Checking, Savings, or Money Market account are eligible for the Mobile RDC service if they have been approved for the service. Health Savings accounts are not eligible for Mobile RDC.
In most cases, eligible accounts will automatically be signed up for Mobile RDC. If you have an eligible account that has not been enabled, please call us at 800-967-2095 for assistance. Please note that accounts are pre-qualified prior to being authorized for use with the Mobile RDC service.
Most domestic checks may be processed through Mobile RDC. Some items we are unable to accept are Money Orders, Foreign Items, Savings Bonds, Third Party or Insurance Checks. Refer to the Terms & Conditions for information on all types of checks that are not able to be deposited using Mobile RDC.
Yes. You may use the service to deposit items according to the limits specified in the Terms & Conditions section. Any items presented in excess of the limits will be returned at our discretion.
Yes. During the deposit process, you will be required to photograph the front and back of your check.
You should sign your check with the following endorsement:
You will receive a notification by e-mail when your deposit has been received.
When your deposit is processed, you will receive a second e-mail notification on the status of your deposit. This e-mail will indicate if the deposit was approved or declined for processing. If declined, a reason will be provided.
Deposits may be made with Mobile RDC at any time. Deposits submitted before 5:00 p.m. CST on a business day will be credited on the same business day. Please refer to the Terms and Conditions document for more information.
You will see the funds added to your balance at the time of the approval.
You may photograph multiple checks in the same mobile banking session; however you may only photograph one check per deposit.
You have the option to retake photographs of the check before submitting or you may cancel the deposit. Also, the system will notify you if the image is unclear for processing. If you are unable to photograph a clear image, please take or mail your deposit to your financial institution for processing.
You are responsible for retaining each original item in a safe and secure location for at least 30 calendar days from the date of the image transmission. You will take appropriate measures to ensure they are not deposited a second time. After 30 days following transmittal to us and receipt of confirmation, you agree to mark the item as “VOID” and properly dispose of it to ensure it is not presented for deposit again. During the time the retained check is available, you agree to promptly provide it to ACB upon request.
Yes. You may view your transaction history in Mobile Banking.
No, at this time the Mobile RDC functionality cannot be used to initially fund a new account.
When your account application processing is completed by our operations center, they will setup your accounts for Mobile RDC. Once the accounts are setup, they will be evaluated to confirm they meet certain criteria prior to being authorized for use with the Mobile RDC service.
No, you do not need to resubmit your deposit. If you entered the wrong amount for the deposit, our operations center will correct the deposit amount.
If the same deposit is submitted twice, it will be identified and stopped by our process. Should this occur, you will receive a declined deposit notification for the second deposit received through the Mobile RDC service.
If a deposit is returned, please do not re-deposit the check with the Mobile RDC functionality. You will receive written communication from your financial institution through the US Postal Service if a deposit is returned.
For additional assistance, please call 800-967-2095.
Your mobile devices must have an appropriate data plan and/or Wi-Fi connectivity that allows the transmission of data over the internet.
Device enrollment allows the user to register for Mobile Banking using their mobile device, instead of a personal computer with activation code. This added convenience means that users may register their device while on-the-go.
Device enrollment validates your banking relationship by asking you to provide your ID and password from online banking along with answers to security questions which are known only to you based on your personal history.
Yes; your User ID, password and mobile telephone number will be used to enroll you in Mobile Banking. If you are not enrolled in Internet (Online) Banking, please proceed to ACB’s website to register for Internet (Online) Banking first.
Users may enroll for both the web/browser-based version of Mobile Banking as well as the downloadable applications, if supported. SMS/Text for Mobile Banking must be enrolled from the Mobile Banking Center using a personal computer. Click on the “Activate Now” link for SMS and follow the instructions presented on the screen.
Your User ID is the same as the User ID you established for Internet (Online) Banking.
On applications that allow saving the User ID, you may save your User ID by selecting “On” when prompted. For enhanced security, the User ID will then be presented in the future in a masked format, hiding some of the characters. You may also remove the User ID, at a later time, by simply changing the prompt to “Off”.
Yes. You must agree to the Terms and Conditions in order to use Mobile Banking.
The ‘Remember Me’ prompt enables your device to recall your Mobile Banking registration so that you are not presented with challenge questions every time you log in. If you select “Off” for the prompt, you will be required to reply to the challenge questions each time you log in to Mobile Banking.
Your Password is the same as the Password you established for Internet (Online) Banking.
In this case, you should visit the Internet (Online) Banking website and follow the instructions for retrieving and/or resetting your credentials or, contact Customer Service.
When you use a non-phone device that is Internet-enabled and a phone number is requested, enter a phone number you can easily remember, such as your home phone or office phone.
Typically you should receive a text message within a few minutes after enrolling, however, sometimes mobile carriers experience delays which slow down text message delivery. While waiting, make sure your phone has a wireless signal. In addition, be sure you entered the correct phone number on the enrollment site. After waiting a few minutes, if you still have not received your text message, try sending the activation code to 49794. If you still do not receive a text message, contact your wireless carrier to be sure text messaging is enabled on your phone.
Activation codes expire after a specific period of time. If you need a new one, return to the Mobile Banking enrollment site (called the Mobile Banking Center) and request a new activation code.
If you get a new mobile device or change phone numbers, be sure to return to the Mobile Banking website via your PC and update your mobile device profile in the Mobile Banking Center. Remove your old device within the Mobile Banking Center. Then download the app on your phone and enroll on your new device
Yes. Visit the Mobile Banking Center and simply enroll (and then activate) another device.
At the time of activation a “cookie” is stored on your device which allows the Mobile Banking system to remember that you activated. The cookie is only visible by the Mobile Banking system and does not contain personal information. Some devices may require you to enable cookies or periodically erase them, requiring reactivation. If you are experiencing this issue, check your settings to ensure that cookies are enabled. If cookies are enabled and the issue persists, please contact your mobile network carrier or device manufacturer for cookie support information. If you would like to reactivate, text R or RECOVER to 49794. If Americana Community Bank supports enrollment on your mobile device, you will not need to provide an activation code. However, you may be asked to enroll again due to issues with cookies.
If you are concerned about misuse of your mobile device, contact your mobile service provider immediately to stop all wireless service. Additionally, sign on to Online Banking on your computer and disable or remove your device.