Go Mobile

Access your accounts anytime and anywhere from your mobile smartphone.

Mobile Banking has NO monthly service fee for Sierra Central members.*

Mobile Banking allows anyone with an online banking account to access their account information from a mobile phone.

Simply search for “Sierra Central Mobile Banking” and download the free app from the Apple® App Store® or Google Play™.    

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You can choose any or all of our mobile banking options, depending on the capabilities of your mobile phone. You can also receive text alerts on your phone. Mobile Banking Features Mobile Bill Pay, Mobile Popmoney® and Text Banking.   

Popmoney® – A fast and easy way to send and receive money between people.  Popmoney is a service that moves money directly between your bank account and theirs.  It works with virtually any bank or credit union.

Mobile Deposit – Deposit checks with your mobile device conveniently and securely.

  • Deposit checks directly into your eligible account using your Android® or Apple® mobile device or Windows® phone.
  • Take photos of the front and back of your check ans submit.  It’s that easy.
  • Check your deposit status from your mobile device.
  • Save time with fewer trips to the ATM or branch.

Mobile Bill Pay – Pay any of your set-up bills from your mobile device anytime, for any amount.

  • Pay anyone in the United States that you would normally pay by check, automatic debit, or cash.
  • Many of your bills can be delivered right in BillPayer, so you can save a trip to the mailbox or another website.
  • Some eBills can be paid automatically according to options you set.  You can change or cancel AutoPay for eBills at any time.
  • Pay your bills using BillPayer with your linked checking account.

Mobile Banking is accessed through our No Cost Online Banking service.  To sign-up, contact our member Services department during our regular business hours at 1-800-222-SCCU (7228).

*Mobile Banking has no monthly service fee, however, other fees may be associated with services offered through Mobile Banking such as Popmoney®.  Read product disclosures carefully for details. Apple is a trademark of Apple Inc., registered in the U.S. and other countries.  App Store is a registered service mark of Apple Inc. Google Play is a trademark of Google Inc. Popmoney is a registered trademark of Fiserv, Inc. or its affiliates.  Android is a trademark of Google Inc. Windows in a registered trademark of Microsoft Corporation in the United States and other countries.

General Mobile Banking Questions

Text Messaging Service

You can use the text messaging service to:

  • Check your account balances.
  • Review recent account activity.

Requirements
To use the text messaging service, your phone must send and receive text messages to and from a short code. Most mobile phones are capable of sending and receiving text messages, so your phone is most likely compatible with Mobile Banking. Please note that some mobile service carriers charge for outgoing text messages or for each message sent and received. A few service carriers are blocking the Mobile Banking service. If your carrier is not one of the major U.S. carriers (AT&T®, Sprint®, T Mobile®, U.S. Cellular®, and Verizon Wireless®), you may want to check with your carrier to make sure you can use the service. All major U.S. carriers, and most secondary ones, support the Mobile Banking service.

Mobile Browser Service

You can use the mobile browser service to:

  • Check your account balances.
  • Review recent account activity.
  • Transfer money between accounts.
  • Pay bills.
  • Change and cancel pending bill pay payments.
  • POPMoney

Requirements

To use the mobile browser service, your phone must have an Internet browser and may require a data services plan. You must access the Mobile Banking website from a link that we send you during registration. We encourage you to bookmark you unique web URL.

Downloadable Application

You can download the Mobile Banking application to your phone. The application offers all the features of the mobile browser service.

Requirements

To download the Mobile Banking application, your phone must have an operating system that supports application downloads and may require a data services plan. You download the Mobile Banking application from a link that Sierra Central will send you during registration.

Are there fees to use Mobile Banking?

Sierra Central will not charge fees to access or use Mobile Banking. You should contact your mobile service carrier for information about fees associated with sending or receiving text messages or accessing the Internet from your mobile phone.

Which accounts can I access in Mobile Banking?

The accounts listed under the mainshare you logged in to for Online Banking are the accounts you have available to register for Mobile Banking. These are either the sub-shares directly tied to this mainshare or another mainshare that you have added as a ‘Multiple Account’ in Online Banking. You must select the sub-shares you would like to view in Mobile Banking during the registration process. These can also be changed after registration in the Mobile Banking tab within Online Banking.

How current is the account and transaction information?

When you view your account balance, you see the current available balance. When you view transaction history, you see the most recently posted transactions. Sierra Central will not show any pending transactions.

Can I add more than one mobile phone?

Yes. You can register several mobile phones for Mobile Banking.

What if my phone number changes?

If your mobile phone number changes, go to online banking and access the Mobile Banking pages. On the My Phones page, find the old phone number and select the option Change my phone number.

Which phones can I use for Mobile Banking?

Sierra Central supports hundreds of models for these major brands: iPhone, BlackBerry, HTC, LG, Motorola, Nokia, Pantech, Samsung, Sanyo, and Sony Ericsson. Sierra Central also supports phones on a number of different operating systems, including (but not limited to) Android, Blackberry, iOS, Symbian, Windows Mobile, Linux, Palm webOS, and Maemo.

Which mobile service carriers support Mobile Banking?

Mobile Banking works on all major mobile service carriers in the U.S.: AT&T®, Sprint®, T Mobile®, U.S. Cellular®, and Verizon Wireless®. Mobile Banking also works on a number of the smaller service carriers. If mobile banking is not working on your phone, please contact your carrier.

I have a prepaid plan. Can I use Mobile Banking?

Mobile Banking works with most prepaid plans, but Sierra Central cannot guarantee that your carrier supports standard U.S. short codes. T-Mobile prepaid does not support short codes so you won’t be able to use the SMS text message service of Mobile Banking with T-Mobile prepaid.

How do I stop using Mobile Banking on my phone?

To stop using Mobile Banking on your phone, go to online banking and access the Mobile Banking pages. On the My Phones page, find the phone number and select the option Stop using this phone for Mobile Banking.

Registration Questions

How do I get started with Mobile Banking?

You can register for Mobile Banking through your online banking service. Be sure to turn on your mobile phone and make sure it’s ready to receive text messages. When you register for Mobile Banking, you can choose which:

  • Services you want to use.
  • Accounts you want to access.

During registration, Sierra Central will send you a text message with a unique activation code to verify your phone number. This code associates your mobile phone with your account. To complete registration, enter the activation code that was sent to you. This verification lets you know your mobile phone number has been successfully registered in the system.

You can also contact Sierra Central Member Service Center at (800) 222-7228, option 9 to assist you with the registration process.

Do I have to agree to the Terms and Conditions to use Mobile Banking?

Yes, you must read and accept our terms and conditions. If you have any questions about the points of our terms and conditions, call Sierra Central Member Service Center at (800) 222-7228.

I received my activation code but never used it. What should I do?

Your activation code expires 24 hours after it is sent to you. However, you can always request a new activation code. Go to online banking and access the Mobile Banking pages. On the My Phones page, find the phone number and select the option Get new activation code. Sierra Central will send you a text message with a new activation code.

I haven't received the activation code on my mobile phone. What should I do?

Check the mobile phone number you entered during registration. If it is correct, here are some other options for resolving the issue:

  • Verify that your mobile phone is on and able to receive text messages. Check with your mobile service carrier if you’re not sure you can receive text messages.
  • Contact your mobile service carrier and make sure your phone can send and receive messages to and from a standard U.S. short code.
  • Request a new activation code. Go to online banking and access the Mobile Banking pages. On the My Phones page, find the phone number and select the option Get new activation code. Sierra Central will send you a text message with a new activation code.

If you’re still having problems with the activation code, call Sierra Central Member Service Center at (800) 222-7228, option 9 for assistance.

Can I use the nicknames I already have established in Online Banking for Mobile Banking?

You will have to re-key the nicknames on the Mobile Banking pages when registering the specific accounts you want to access on your mobile phone. However, there are certain restrictions for the Mobile Banking Nicknames?

  • For ease of use with Text Banking, you will want the nicknames to be short
  • Can be all alpha
  • Can be all numeric (DO NOT use your account number!)
  • No Spaces
  • No Special Characters
  • Limited to 10 characters

Can I use the same phone to register on more than one mainshare?

A cell phone can only be registered on one mainshare account. If a phone is activated on a 2nd mainshare, the originally registered mainshare will be deactivated. To view additional mainshares:

  • Add all mainshares using the Multiple Accounts section of Online Banking.
  • To be able to view balances of and perform transfers to other mainshare accounts within Mobile Banking, those accounts will need to be set up as a Multiple Account within Online Banking. To do this, go to the Your Preferences tab and click on Multiple Accounts. Click Add Account and follow the prompts.

Please Note: The account you are trying to access must be enrolled in Online Banking. Also, at the bottom of the Multiple Accounts screen there is a statement that reads: ‘Exclude my account from this service so it cannot be access by others’. The box must be unchecked on the account you are trying to access.

Can I add more than one mobile phone?

Yes. You can register several mobile phones for Mobile Banking. To add a new phone, go to online banking and access the Mobile Banking pages. On the My Phones page, select Add New Phone. Please Note: A phone can only be registered to have Mobile Banking on one account.

Can I register multiple users to the same phone?

For security reasons, only one user can register per phone. However, once you complete the registration process, you can add more phones to your account.

Text Messaging Service Questions

What do I need to use the text messaging service?

To use Mobile Banking’s text messaging service, you must:

  • Have an online banking account.
  • Have a mobile phone that supports SMS text messaging and short codes.
  • Register for Mobile Banking and select the text messaging service.

Why are my Mobile Banking text messages coming from «short code»?

You receive all Mobile Banking text messages from 59289. To make it easier to recognize Sierra Central’ text messages, add this to your contact list with the short code 59289.

Go Mobile

Every mobile service carrier has a different rate plan for text messaging and data services access. You may be charged per use, or pay a flat rate for unlimited usage each month. You may also have different fees for text messaging and data services access. Please contact your mobile carrier directly if you aren’t sure what fees you will be charged to use Mobile Banking.

Where do I send my text messages?

Send all text messages to 59289.

What are the text messaging keywords and how do I use them?

Keywords are the text messages you send to request account information or ATM and branch locations.

Account Balance Requests
Keywords: BAL,
Check the balances for all accounts you’ve registered in Mobile Banking.

Transaction History Requests
Keywords: HIST (account nickname)
Check the most recently posted transactions of the account you specify with the account nickname. For example, HIST SAV1.
Keywords: NEXT, MORE
If your transaction history response message ends with “Reply NEXT” text NEXT or MORE to view more transactions.

Help Requests:
Keywords: HELP
Help Requests provide information about the Mobile Banking keywords.

Are the keywords case-sensitive?

No. Whether you type “BAL” or “bal” Sierra Central will send a response with your account balance information.

What should I do if I don't get a response to a request?

Make sure you’re sending text messages to 59289. Check the keyword and any additional information required for the request, such as account nickname, or address. There may be a delay in receiving a response due to your phone carrier’s traffic. If everything in your text request appears to be accurate, please wait a few minutes. If the problem persists, contact your carrier.

Can I send a keyword via e-mail?

No, keywords and text messages are not supported using e-mail. The two-way feature of our text messages works only with mobile phones.

Why are my results sent as multiple messages?

Text messages are limited to 160 characters. Sometimes Sierra Central can’t send all your account information in one message because it exceeds the character limit. In this case, Sierra Central will send your account information in multiple messages—no more than five at a time.

I received my results in multiple messages. Some arrived quickly, but others didn't. Why did it take so much longer for the others to arrive?

If you receive one message, it means Sierra Central has sent all the response messages to you, and you should receive them shortly. It may take a few minutes to receive them all, depending on your mobile service. If the problem persists, you may want to contact your mobile service carrier.

I have text messaging enabled on my mobile phone. Why can't I receive Mobile Banking text messages?

Your mobile service carrier may be blocking short codes, or you may have blocked short codes in your phone options. You must have short codes enabled to use Mobile Banking. (Short codes are abbreviated phone numbers, usually five digits, we use to send Mobile Banking messages.) Check your phone options and then contact your mobile service carrier to ensure they aren’t blocking short codes.

How do I stop receiving texts?

To stop Text Messages from coming to your mobile device, you must log into Online Banking, go to Access Accounts and click on Mobile Banking. From the My Phones tab, select the ‘I want to change my mobile banking services.’ There you can uncheck the ‘Text Messaging’ box. You will then be unregistered from using text messaging.

Alerts Service Questions

How do I sign up for the alerts service for mobile banking?

Once you are registered for mobile banking, within Online Banking, select the Access Accounts tab, then select Mobile Banking. Within Mobile Banking, go to the My Phones tab and select Change my Mobile Banking Services from the drop down menu and click Go. Check the box for Alerts and click Continue. You will be returned to the My Phones tab and will see that Receive Alerts is now checked for that device.

What are alerts?

You can set up alerts to notify you when select activity occurs on your accounts. For example, Sierra Central can send you an alert when your account balance goes below a predetermined threshold amount, such as $50. You can receive alerts on your mobile phone, to an e-mail address or both. You are able to select from a predetermined list of alert types and set your alert thresholds. The alerts are chosen and setup within Online Banking. Go to the Access Accounts tab and then select eNotifications. Select the e-Lerts Options and Add e-Lert.

How does the alerts service work?

If you selected to receive alerts to your mobile device, you will receive the alert(s) within 30 minutes of the trigger activity that you established. The alert will be received as an SMS/Text on your mobile device. Standard text message rates apply.

How do I stop receiving alerts?

To stop receiving an individual alert type, within Online Banking, go to Access Accounts Page, select e-Notifications Settings then select e-Lerts Options. Under each eLert type, there is an option to either Modify or Delete that eLert. Select Delete to stop the alert from going to your mobile device. To stop receiving all SMS/Text alerts, within Online Banking, select the Access Accounts tab, and then select Mobile Banking. Within Mobile Banking, go to the My Phones tab and select Change my Mobile Banking Services from the drop down menu and click Go. Un-check the box for Alerts and click Continue. You will be returned to the My Phones tab and will see that Receive Alerts is no longer checked for that device.

How do I change the alerts I am receiving?

You can add, change or delete alerts within Online Banking. Within Online Banking, go to Access Accounts Page, select e-Notifications Settings then select e-Lerts Options. Under each eLert type, there is an option to either Modify or Delete that eLert. Select Modify to change the threshold, reminder note or delivery method. Select Save Changes then Confirm and your changes have been activated.

Can I receive the same alerts via email and SMS/Text Alerts?

Yes, you can receive them in either text or email, or both.

Downloadable Application Service Questions

What do I need to download the Mobile Banking application?

To download the Mobile Banking application, you must:

  • Have an online banking account.
  • Have a mobile phone that supports downloaded applications.
  • Have a wireless data plan with your mobile service carrier.
  • Register for Mobile Banking and select the downloadable application service.

Mobile Banking is optimized for iPhones, and Android phones. Some carriers don’t support application downloads to certain types of phones. If you have any problems downloading Mobile Banking, check with your carrier to make sure it is supported on your phone.

Please Note: The downloadable application is not available for Blackberry phones.

How do I download the Mobile Banking application to my phone?

You can download Mobile Banking directly to your phone. During registration, Sierra Central will send you a link to download the application. Click the link to initiate the download. When the download is complete, you’ll go to the Login page. You’ll also see Mobile Banking on your launch page.

How do I download the Mobile Banking application to my iPhone?

During registration, Sierra Central will send you a unique link to the App Store where you can download the app for Sierra Central Mobile Banking. If you find Sierra Central Mobile Banking in the App Store without attempting to register first online, the download won’t work. Download Sierra Central Mobile Banking as you would any other application from the App Store. After you download and install the application, Sierra Central will send you a text message with an activation link. Click the link to launch the application and go to the Login page.

I can't find my link to download the Mobile Banking application. What should I do?

If you can’t find the message that was sent during registration with the download link for Mobile Banking, you can request another message. Go to online banking and access the Mobile Banking page. On the My Phones page in mobile banking, find the phone number, and select the option Download the application.

When I click the link to download Mobile Banking nothing happens. What should I do?

Every mobile phone and mobile network is different, so you may not be able to download Sierra Central Mobile Banking to your phone. If you’re having trouble, contact your mobile service carrier to make sure your phone supports application downloads.

Mobile Browser Service Questions

What do I need to use the mobile browser service?

To use Mobile Banking’s browser service, you must:

  • Have an online banking account.
  • Have a mobile phone that supports web browsing.
  • Have a wireless data plan with your mobile service carrier.
  • Register for Mobile Banking and select the mobile browser service.

Mobile Banking is optimized for a wide range of phones—providing a rich and interactive interface on touch screen phones, such as the iPhone and Android, while maintaining a simple and clean interface for a wide range of phones from a diverse set of manufacturers such as BlackBerry, Motorola, Nokia, Samsung, and Sanyo.

How do I access the Mobile Banking website?

During registration Sierra Central will send you a unique website address (URL) that is intended only for you. The website URL will only work on the phones you’ve registered in Mobile Banking. Be sure to bookmark this address in your phone’s web browser so you can easily return to it. If you need help bookmarking an address in your mobile phone please contact your mobile service carrier.

How do I bookmark a website address on my phone?

Please refer to your carrier or the manual for your phone as this process can be different for every phone.

I can't find my link to the Mobile Banking website. What should I do?

If you can’t find the message that was sent during registration with the unique URL for Mobile Banking, you can request another message. Go to the My Phones page in online banking, find the phone number, and select the option Get a link to the Mobile Banking website.

When I click the link for the Mobile Banking website nothing happens. What should I do?

Every mobile phone and mobile network is different, so you may not be able to click on a link in a text message. Try these troubleshooting tips:

  • Open the text message and click Send or Go on your phone to access the website URL. Then click the address to go directly to the website.
  • Open the text message and write down your unique website URL. Type the URL in your phone’s web browser to go directly to the website.

If you still can’t access the Mobile Banking website, please contact your mobile service carrier.

I don’t see all of my accounts listed to do transfers within Mobile Browser, why?

Only the accounts you activated during Mobile Banking setup will be available to transfer funds within Mobile Browser. To activate additional accounts: Go to online banking and access the Mobile Banking pages. On the My Accounts page, select the additional accounts you would like to access within mobile banking and create a nickname for each account, then click update accounts.

Security Questions

Is Mobile Banking secure?

To ensure the safety and privacy of your account information, Sierra Central has provided some key security features in Mobile Banking:

  • Unique Activation Code – Sierra Central will send you a unique activation code to verify your phone number. This code associates your mobile phone with your account. This verification also lets you know your mobile phone number has been successfully registered in the Mobile Banking system.
  • Authentication – You are authenticated for every interaction with Mobile Banking.
  • Encryption – Sierra Central uses a 128-bit encryption for all transactions.
  • Fraud Detection – Sierra Central has incorporated mechanisms such as transaction validation and transaction reconciliation processes to detect fraud.
  • Auditability – Sierra Central has provided full audit capabilities through event logs and event-based reporting.
  • No Identifiable Information – Sierra Central does not return any personally identifiable information in a text message, such as your full account number, e-mail address, or personal address. Sierra Central will never ask for or include your user ID or password in any message that is sent.
  • Lock Your Phone with a Passcode – Most phones have an option to lock the phone with a passcode. Please refer to the phone manual for instructions.

Is my personal or financial information stored on my phone?

No. Sierra Central does not save any files with your personal or financial information on your phone. That information stays strictly within online banking.
For some phones, such as a BlackBerry, Sierra Central does have logo and branding files that are copied to your phone. Those files do not contain any personally identifiable information.

What if my phone is lost or stolen?

If your mobile phone is lost or stolen, no one can access your account without knowing your password, and, in some cases, your unique user name. To prevent unauthorized access to your account, you can deactivate your phone in Online Banking via the Mobile Banking page. To deactivate Mobile Banking on your phone, go to online banking and access the Mobile Banking pages. On the My Phones page, find the phone number and select the option Stop using this phone for Mobile Banking.

*Sierra Central Credit Union does not charge you a fee for access or use of Sierra Central Mobile. You should contact your mobile service carrier for information about fees associated with sending or receiving text messages or accessing the Internet from your mobile phone. In order to use mobile browser or text banking, you must register your device(s) through Sierra Central Online Banking, under Mobile Banking on the Access Accounts tab.

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