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ACB2GO FAQ's


General

How much does this service cost?

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.

Is it secure?

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.

Which wireless carriers are supported?

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.

Do I need a data plan?

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.

I'm not enrolled for online banking. Can I still use Mobile Banking?

You must first enable your bank account(s) for online banking before using mobile banking.

What is Activation?

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.

  • Activation Code – After you enroll a device for Text Banking, you will receive an activation code which you will be required to use to initialize Text Banking on your device. We recommend that you print your activation code and installation instructions for easy reference during installation.
  • Device Enrollment – You enroll via the device using security questions. Please refer to the Device Enrollment Section within these FAQs. Note: Text Banking enrollment requires the Activation Code method.

Mobile Banking

What is Americana Community Bank 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.

How do I access Mobile Banking on my phone's browser?

After successful enrollment via Activation Code, your phone will receive a text message with your Mobile Banking URL. You may also visit the site at any time at: http://m.americanafinancial.com

How do I sign up for Mobile Banking?

You may enroll in Mobile Banking using Device Enrollment.   Please refer to the Device Enrollment Section within these FAQs.

I activated Mobile Banking on my device's browser. Why am I being asked to activate again?

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.

How do I optimize my mobile web experience?

Ensure your device’s browser has cookies enabled. In addition, enable style sheets for the best viewing experience.

How do I navigate Mobile Banking links with my mobile device's browser?

To navigate, access the menu and choose an option.

Is Mobile Banking supported on my device?

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.

How do I download my mobile banking application?

For iPhone or iPad:

  • Navigate to the App Store
  • Search for Americana Community Bank
  • Select “Install” to download the application

 

For Android:

  • Navigate to the Google Play Store
  • Search for Americana Community Bank
  • Select “Install” to download the application

 

For Kindle Fire:

  • Navigate to the Amazon Appstore and select Kindle Fire Apps
  • Search for Americana Community Bank
  • Select “Install” to download the application

Is Mobile Banking supported on my tablet?

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

What is Americana Community Bank Text Banking?

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.

What is Americana Community Bank shortcode?

All text messages should be sent to 49794

Can I use both Text Banking and Mobile Banking on my phone?

Yes. Simply enroll for both Text Banking and Mobile Banking to enable this.

Is Text Banking supported on my phone?

Text Banking will work on any text message (SMS) capable phone from one of our supported carriers.

Will I receive unsolicited text messages?

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.

What are the Text Banking commands?

FunctionCommandDescription

Function


Balance

Command


BAL

Description


Returns balance on default account

Function


Global Balance

Command


BAL ALL

Description


Returns balance for all accounts

Function


Balance on a favorite account

Command


BAL [NICKNAME]

Description


Returns balance on Nickname account

Function


Activity

Command


ACT

Description


Returns activity on default account

Function


Activity on a favorite account

Command


ACT [NICKNAME]

Description


Returns activity on a nickname account

Function


Guide to Text Commands

Command


CMD

Description


Returns short list of text banking commands

Function


Customer Support

Command


HELP

Description


Returns a phone number for support

How do I subscribe to Mobile Alerts?

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.

Remote Deposit Capture

Who is eligible for Mobile Remote Deposit Capture (RDC)?

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.

What if an account is not listed in 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.

What types of checks can I deposit with Mobile RDC?

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.

Are there any limits on the dollar amount of deposits I can submit?

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.

Do I photograph both the front and the back of my check?

Yes. During the deposit process, you will be required to photograph the front and back of your check.

How do I endorse my check for Mobile RDC?

You should sign your check with the following endorsement:

  • ACB Mobile Deposit Only
  • Your Signature

How will I know if my financial institution received my deposit?

You will receive a notification by e-mail when your deposit has been received.

How will I know if my financial institution processed my deposit?

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.

When will my deposit post to my account?

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.

When will a deposit made through Mobile RDC show in my balance?

You will see the funds added to your balance at the time of the approval.

Can I photograph more than one check at a time?

You may photograph multiple checks in the same mobile banking session; however you may only photograph one check per deposit.

What if the check image I photographed is bad?

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.

Do I destroy my check after I photographed the deposit?

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.

Will my deposited check be available in transaction history?

Yes. You may view your transaction history in Mobile Banking.

Can I make my opening account deposit through Mobile RDC?

No, at this time the Mobile RDC functionality cannot be used to initially fund a new account.

How long after opening an account may I start using Mobile RDC?

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.

What if I submitted a deposit for the wrong amount? Do I need to resubmit the deposit?

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.

What if I submit the same deposit twice in error?

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.

A check I submitted was returned, can I resubmit it?

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.

If I need additional information on Mobile RDC, who may I call?

For additional assistance, please call 800-967-2095.

What type of internet connectivity do I need?

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

What is Device Enrollment?

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.

How does device enrollment work?

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.

Do I have to be enrolled in Internet (Online) Banking to use Device Enrollment?

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.

What Mobile Banking modes may I enroll?

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.

What is my User ID?

Your User ID is the same as the User ID you established for Internet (Online) Banking.

Can I save my User ID on the device?

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”.

Do I have to accept the Terms and Conditions?

Yes. You must agree to the Terms and Conditions in order to use Mobile Banking.

What happens if I don't allow the device to 'Remember Me'?

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.

What is my Password?

Your Password is the same as the Password you established for Internet (Online) Banking.

What if I do not remember my User ID or Password?

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.

What do I use for a Mobile Number if I am using a non-phone mobile device, such as an iPod?

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.

Troubleshooting

I enrolled in Text Banking with my phone number but did not receive a text message. What should I do?

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.

I received an activation code but never used it. What do I do now?

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.

What happens if I get a new mobile device or change phone numbers?

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 

Can I use Mobile Banking or Text Banking on more than one device?

Yes. Visit the Mobile Banking Center and simply enroll (and then activate) another device.

I activated Mobile Banking on my device's browser. Why am I being asked to activate again?

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.

What if my device is lost or stolen?

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.