Text Message Banking
Text Message Banking (TMB) enables access to your account information and lets you receive account notifications on a text-enabled mobile phone or wireless device. This means that you can access your account information or last five account transactions from any mobile device that has SMS (Short Message Service) service enabled. View the Text Message Banking DEMO now.
Text Message Banking Features
Once you sign up for the Text Message Banking service within Internet Banking and enroll one or more phone numbers, you can start using the Text Message Banking features listed below by sending a text message to the Capital Bank’s short code that was supplied during enrollment. Please be aware that standard text messaging charges will apply to your end users that use TMB.
This feature enables access to your account balance and recent transaction history anywhere in a few seconds instead of a few minutes. With Text Message Banking you can:
- Access the balance of a designated primary account.
- Access the balances of all checking accounts.
- Access the balances of all savings accounts.
- Access the balances of every active account you have.
- View the most recent five transactions on your designated primary account.
- Transfer money between designated accounts.
- Receive a weekly notification related of your primary account balance.
- Receive a low balance alert when your primary account goes below a designated threshold level.
A few things to note before you start using the Text Message Banking system:
- Registration – You must first register for Internet Banking on an Internet-enabled personal computer and set up at least one account. As a registered Internet Banking user, you can complete a separate registration to use Text Message Banking.
- Notifications – Weekly balance notifications and low balance alerts have to be manually turned off within Internet Banking if you wish to discontinue the alerts.
- SMS Service – You must subscribe to a texting plan with your mobile provider that allows for sending and receiving text messages.
Registration and Set Up (Mobile Banking & Alerts tab)
To register for Text Message Banking (TMB), you would simply log into Internet Banking and click the Mobile Banking & Alerts tab to access the Mobile Banking and Alerts page. The Mobile Banking & Alerts tab is located under the Account Summary primary navigation button. Clicking on the Activate button launches the quick and easy three step enrollment process that is described on the following pages.
Easy as 1-2-3
- Step 1 – Enter your phone number.
- Step 2 – Enter the Activation Code (sent via text message).
- Step 3 – Select Accounts for Activation.
Text Message Banking requests include the following:
- BAL (or BALANCE) – System returns the current and available balance on the primary account.
- BAL CHK (or BAL CHECK, BAL CHECKING ACCOUNT) – System returns the current account balances of all active checking accounts.
- BAL SAV (or BAL SAVE, BAL SAVING, BAL SAVINGS ACCOUNT) – System returns the current balances all active savings accounts4.
- BAL ALL (or ALL BAL, BALANCE ALL, ALL BALANCE) – System returns the current balances for all of the user’s active accounts5.
- LAST (or LAST5, LAST 5, LAST FIVE, LAST TRANS) – System returns the most recent five transactions on their primary account.
- TRANS (or TRANSFER, TRAN, T) + $amount – System returns updated balances for the transfer account and the primary account. Note: dollar sign is not necessary.
- HELP (or HLP) – System returns information related to using text message banking.
NOTE: If an unenrolled user enters the correct short code and requests HELP, the following is sent: FI Name Banking: Info at txtbanking.net. Reply STOP to cancel. Msg & data rates may apply. Msg freq dpnds on settings.
- STOP (or END, CANCEL, UNSUBSCRIBE, QUIT) – System terminates text message banking for that phone.
Capital Bank also offers Mobile Banking (Downloadable App) & Mobile Web Banking:
The Mobile Banking App for iPhone and Android is a service that enables you to access your account information, transfer funds, and pay your bills (for eligible customers) from a smartphone with Internet access from either a WIFI source or the 3G/EDGE networks.