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FAQ - Text Message Banking Image

FAQ - Text Message Banking

Q: What is Text Message Banking?

A: A service that enables you to retrieve information about your accounts from a mobile phone through text messaging (sometimes called SMS).

Q: How does Text Message Banking work?

A: When you send a text message using your short code (454545), you will receive a text message with the requested information.

Q: Will Text Message Banking work on my phone?

A: Yes, as long as you have text messaging enabled with your mobile carrier it will work on your cell phone. Please check with your mobile carrier if you are unsure.

Q: Which mobile service providers support this service?

A: The service works on all major mobile providers in the U.S., including, but not limited to:

  • Sprint
  • AT&T
  • T-Mobile
  • US Cellular
  • Verizon

Q: How do I sign up for Text Message Banking?

A: Log into Online Banking through your PC and go to Additional Services>Alerts & Notifications to get started.

Q: Will I be charged for Text Message Banking?

A: We won’t charge you, but standard carrier fees for text messaging may apply. Please check with your mobile phone carrier if you have questions about any text message rates that may apply.

Q: Is Text Message Banking currently available to all consumers?

A: Yes. Text Message Banking is available to all consumers who enroll in the service through Online Banking. While the service is free, please note that your mobile carrier's text messaging and web access charges may apply.

Q: Is Help available through my mobile phone?

A: Yes, registered users should send the text command HELP to the Kearny County Bank’s short code 454545.

Q: Is there any password needed for Text Message Banking?

A: You don't need a password to access your account information via text message, but you do need a username and password for online banking to enroll in the service and activate Text Message Banking.

Q: Why do I need to verify my phone?

A: Verifying your phone is a one-time step and is one way we ensure the security of mobile text messaging.

Q: Where do I find my activation code?

A: During setup we will send you a text message with your activation code. If you have already submitted you mobile number during setup, check your mobile phone immediately. You should receive a text message with your activation code within a few minutes.

Q: Can I come back later to enter my activation code?

A: Yes. However, if you experience difficulties, we recommend that you go through the setup process again to obtain a new code.

Q: What commands or keywords can be used?

A: Text any of the following commands/keywords to short code 454545:

  • BAL = Primary account balance
  • BAL ALL = All account balances
  • BAL CHK = Checking account balances
  • BAL SAV = Savings account balances
  • LAST = Last five transactions
  • TRANS $$$ = Transfer specified amount to primary account
  • STOP = Deactivate service
  • HELP = Help on keywords

Q: What is primary text banking?

A: Your primary account is the default account that we will use when you text BAL to 454545. You should select the one you will likely want to check most often. You can get all account balances by testing BAL ALL to the short code. The primary account is also the account that funds can be transferred into when you use the TRANS (transfer) function.

Q: Can I change the primary account selection later?

A: Yes. Simply return to the mobile banking account setup page within online banking (Additional Services>Alerts & Notifications) and select another account from the primary text banking account drop-down list.

Q: Are keywords/commands case sensitive?

A: No, they are not.

Q: How long does it take to get a text message?

A: You’ll receive a text message response within a minute. Exact timing will depend on your mobile service carrier.

Q: Is it possible to stop the weekly account balance notifications?

A: Yes. Just go to the mobile banking setup page in online banking (Additional Services>Alerts & Notifications) and click the weekly account balance notifications check box to deselect it, and then save your changes.

Q: Can I get a text alert when my primary account balance falls below a certain amount?

A: Yes. First, go to the mobile banking setup page in online banking (Additional Services>Alerts & Notifications), select the low balance alert checkbox and select a dollar amount from the drop-down field (e.g. $200). Thereafter, you will receive a low balance alert text whenever your primary account balance falls below the threshold.

Q: Can I transfer funds into my primary account using my mobile phone?

A: Yes, if you have selected a “transfer source” account on the mobile banking setup page in online banking (Additional Services>Alerts & Notifications). Then, for example, texting TRANS 400 to our short code (454545) will transfer $400 to your primary account from the transfer source account. You will then receive a confirmation message with updated account balances for both accounts. Please be aware that you can ONLY transfer funds INTO your primary account.

Q: I share a joint account. Can I set up two mobile phones for the same primary account?

A: Yes. After you set up the first number, you can select the Activate another phone link on the mobile banking page and then complete the simple two-step process.

Q: I have a new mobile phone number. Can I add or change my number online?

A: Yes. Sign on to online banking to add your new mobile number.

Q: I have disconnected my mobile phone or changed carriers. Will my service continue to work?

A: As a security precaution, you will not be able to use Text Banking until you sign on to online banking and re-verify your mobile phone.

Q: Is it safe to bank using the Text Message Banking service?

A: Yes. This service does not send text messages with any confidential information about you or your accounts. For example, account numbers are truncated in the text message.

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