Frequently Asked Questions
A: Yes! Each individual customer at Ocean City Home Bank is insured by the FDIC up to $250,000.
Q: What is Ocean City Home Bank's routing number?
A: Ocean City Home Bank's routing number is 231271080.
Q: How do I set up Direct Deposit of my payroll check?
A: After your Ocean City Home Bank checking application has been approved, you will receive Ocean City Home Bank's routing and transit number and your account number. If your employer participates in a direct deposit program, simply provide this information to the human resources or payroll department at your company, and your direct deposit will usually begin within thirty days.
Q: How do I set up Direct Deposit of my Social Security check?
A: After your Ocean City Home Bank checking application has been approved, you will receive Ocean City Home Bank's routing and transit number and your account number. Simply contact us, and have your Social Security Number account information available to set up your direct deposit right over the phone.
Q: Can I get information about my account by phone?
A: Yes! Account information is available with our Customer Service Center during business hours by contacting 609-927-7722 or ask about our Telephone Banking for automated account information 24 hours a day.
Q: Can businesses have accounts at Ocean City Home Bank?
Q: Can I do all of my banking with Ocean City Home Bank?
A: Yes! Thanks to the convenience of Telephone Banking, Online Banking/Mobile Banking, Direct Deposit and Visa check cards everyday banking can be performed from the comfort of home. Contact us with questions about your banking needs.
Q: Can I look at my transactions at any time?
A: Yes! With Online Banking/Mobile Banking, you have access to your account information 24 hours a day, 7 days a week!
Q: How frequently is my Ocean City Home Bank information updated?
A: Ocean City Home Bank customers receive up-to-the-minute information regarding their account balances. The online/mobile banking information is real-time and current.
Q: Are wire transfers possible to and from my Ocean City Home Bank checking account?
A: Yes! Funds can be transferred to and from Ocean City Home Bank accounts by wire transfers or via ACH (Automated Clearing House) debits or credits. You will need the following information: amount of wire, your account number, the complete name and address of all parties, the receiving bank's routing number, and the receiver's name and account number. Call our customer service representatives at 609-927-7722 for details.
Q: How do I make a deposit to my account from a remote location?
A: You can do most of your banking by using direct deposit, ATMs, ACH (Automated Clearing House), Mobile Remote Deposit Capture (MRDC), or External Transfer transactions. Ocean City Home Bank also offers a bank-by-mail service which allows you to mail non-recurring deposits. Contact us for details on a method that's best for you.
Q: Does CardValet work on Android phones and iPhones?
A: Yes. CardValet works with the most recent mobile operating software as well as two past generations of Android and iPhone devices.
Q: Does CardValet work for ATM cards?
A: No, CardValet currently supports retail and business debit cards.
Q: How long does the app stay logged in if you don't log out?
A: The app automatically logs the user off in 10 minutes.
Q: What is an active user?
A: An active user is a cardholder who has successfully added a card to the app. They are considered active until they unsubscribe.
Q: How does a cardholder unsubscribe?
A: The cardholder would log into the CardValet app and go to the triple menu bar icon and select “Manage Portfolio”. The cardholder would then uncheck the box next to the card(s) and account(s) and would click “OK”. A confirmation message will appear on the screen informing them that “if no boxes are checked they will be unsubscribed from the service”. They must click on “unsubscribe” to discontinue the service.
Q: How do users download the application?
A: Cardholders must have a smartphone with internet connection. They will need to go in to either the iTunes App store or the Google Play Store depending on what type of device they have. First time users will need to register their card by clicking on “New User”.
Q: What information is needed to register the card?
A: The first 20 characters of the cardholder’s street address, the zip code, the 3-digit CVV code from the back of the card & the expiration date.
Q: What are the CardValet password requirements?
A: CardValet passwords must be at least 8 characters in length and must contain at least 1 upper case character, 1 lower case character, 1 number and 1 special character.
Q: Can multiple cards be linked to one registered CardValet account?
A: Yes; cardholders can register multiple cards within a single CardValet app. Additional cards can be added within the “Settings - Add Card” screen. Card must be an Ocean City Home Bank retail or business card.
Q: How many cards can you register within a single CardValet application?
A: There is no limit.
Controls and Alerts
Cardholders who are going to use any of the preferences listed below will need to go into the settings on their phone and turn the location toggle to on.
Q: What exactly is the range of the "My Location?" controls and will this control setting impact internet transactions?
A: The My Location controls and alerts will check to ensure the merchant location is within a five (5) mile radius of the device set as “primary” within CardValet. These controls impact “card present” transactions only, therefore internet transactions are not impacted.
Q: If My Location is set but the primary device is off, will transactions get denied outside of the My Location area?
A: CardValet ignores location information that is more than one (1) hour old. So, if the phone is off for more than an hour, My Location controls will not take effect, and the transaction will not be denied on the basis of the old location information.
Q: What happens if My Location is set but the phone is left at home? Will transactions be denied outside the My Location area?
A: CardValet performs a proximity check at the common point of zip code or city, so if the merchant is close to home then the transactions will still go through.
Q: Can a user turn on My Location for a dependent’s card? How will it work?
A: My Location is only effective for the enrolled user. To limit the dependent’s card, the user can use the “Region” feature to set usage preferences for where the card can be used. Set location preference to “Region” in the drop down menu, then “Add” a “New Region” to set the map to the area where the card may be used.
Q: A region has been set on the map. Does this mean the card can only be used exactly in this region?
A: The region shows the approximate area where the card can be used. CardValet can typically map the transaction down to a zip code or city. If the city or zip code of the merchant overlaps with the selected region in the map, then the transaction can still go through. There are instances where a merchant location cannot be mapped down to a zip code or city, in which case CardValet will default to a state-level match.
Q: Can cardholders block all international transactions?
A: Yes. International transactions can be blocked using the “International” location control. Transactions will be limited to the United States. Ocean City Home Bank already blocks all international transactions. The cardholder cannot override the Bank’s thresholds.
Q: Will location controls, merchant controls, threshold controls, and turning the card “Off” impact previously authorized recurring transactions?
A: Previously authorized recurring payments will continue to process and will bypass the CardValet edit checks.
Q: How long does it take for a control or alert setting to take effect?
A: Control settings take effect as soon as the “Updating information” message in the app stops.
Q: How are controls established for various merchant types?
A: Specific merchant types have been created within CardValet, and these merchant types can be used for controls or alerts via the “Alert Preferences” or “Control Preferences” screen. Each of the merchant types contains various merchant category codes.
Q: Are the alerts sent as email or “push” notifications to the device?
A: CardValet alerts are sent as push notifications to the phone. The alerts also display under “Messages” in the CardValet app. Cardholder must set alerts in App & on their cell phone.
- For Apple - go to settings, notifications, find CardValet & click on the app, go to allow notifications & set preferences as needed.
- For Android – go to settings, sound & notification, scroll down & click on application notifications, find Card Valet & click on app, turn on “set as priority”. Cardholder can also turn on “hide sensitive content."
Q:If the user has set an alert for international transactions and no controls are set, will the user receive alerts for all international transactions regardless of whether the transaction is blocked or successful?
A: Yes, an alert is generated regardless of whether or not a control preference is set.
Q: If a user sets multiple alerts and a transaction violates these alerts will the user receive a separate message for each alert? When is a low balance alert generated?
A: No, the alerts are consolidated into one message. For example, if the message has violated “Threshold” and "Location" settings then you will see only one alert and not multiple alerts. CardValet updates the balance under two conditions: (a) when the user logs into CardValet and (b) when the user taps “Refresh.” Even if the balance has fallen below the threshold that has been set, it is only updated when the user logs into the app or taps “Refresh,” which then triggers the alert.
Q: Does the app show recent transaction history?
A: Yes, the app shows the last 50 card-based transactions posted within the last 30 days from sign up going forward.
Q: What type of transactions display in CardValet?
A: CardValet only shows the transactions that are performed with the card. It does not show the transactions that are done on the account without using the card, such as teller transactions or bill pay on an account.
Q: Will the balance be updated to include teller transactions?
A: The balance will be updated to reflect the teller transaction if the account processor supplies the updated balance. The balance is updated the next time the user logs into CardValet.
Q: How will cardholders be charged?
A: There is no fee for this application.
Q: How can I use my Visa® Debit Card if I am traveling out-of-state or internationally?
A: To prevent any interruption in your ATM or debit card service:
- Notify Ocean City Home Bank of the states/countries that you will be traveling to and the dates you’ll be traveling on before you leave so that we can do the necessary maintenance to ensure that you will be able to continue using your card without any problems. You can notify us by calling 609-927-7722 or signing into your Online Banking and completing the Traveling Customer Notification under Secure Forms.
- Verify that Ocean City Home Bank has the best phone number at which to reach you in the event that there is any suspicious activity on your card.
- Use your PIN for debit card transactions.
- Record your debit card number and telephone number for reporting lost or stolen cards and keep it in a safe place away from your wallet or handbag.
Q: Will my Visa® Debit Card work out-of-state or internationally?
A: As long as you let us know prior to your trip, the Visa® logo on your Visa® Debit card will allow your card to be accepted at millions of locations around the world.
Q: Can I withdraw cash out-of-state or internationally?
A: With your Visa® Debit card you can withdraw cash in the local currency at over 1 million Visa ATMs.
Cash in foreign countries is dispensed in the local currency at the current exchange rate and debited from your account in dollars. Ocean City Home Bank will not be able to verify or track the exchange rate.
Contact Ocean City Home Bank's customer service or visit a branch location for your daily cash withdrawal limits.
Important facts to remember when using foreign ATMs:
- Some foreign ATMs are only available during normal business hours
- Many foreign ATMs offer instructions in English, but not all of them
Q: What if my card is lost or stolen?
A: Notify Ocean City Home Bank immediately by calling 609-927-7722; if it is outside our normal hours of operation contact Visa® at 800-472-3272. If calling from outside the United States, dial 1-973-682-2652.
Q: Are there fees associated with using my Visa® Debit card outside of the US?
A: Ocean City Home Bank does not charge any additional fees for using your Visa® Debit Card outside of the US. Standard debit card fees apply as outlined in our Account Disclosure.
Q: What do I do if I am having trouble with my card?
A: Ocean City Home Bank customer service can be reached at 609-927-7722 during operating hours Sunday through Saturday, excluding Federal Holidays. If it is outside our operating hours you can email firstname.lastname@example.org and a representative will contact you the next business day.
A: Your account information is just as secure as it is at your physical brick and mortar bank. We've taken every step possible to be sure our system meets the latest security standards, including using the latest security encryption methods and software.
Q: I keep hearing a lot about encryption. What exactly is it, and why does it make everything more secure?
A: Encryption is basically a way to rewrite something in a code which can then be decoded later with the right key. The encryption we use employs a mathematical process for the key which is made up of a certain number of bits (hence, 128-bit encryption). The higher the number of bits, the better the encryption. While using our online banking system, all communication from you to the system and from the system to you is encrypted using a maximum of 128 bits. In other words, when you send information to the system, your browser encrypts it using a 128-bit key, then sends it to the system. The system then decodes the information you sent it using the key (which is predetermined when your online banking session is started) and processes it.
Q: What is Enhanced Login Security?
A: Enhanced Login Security is a new online security feature that will provide you additional protection from fraud and identity theft. Enhanced Login Security helps prevent unauthorized access to your accounts and secure financial information.
Q: Why do I need to use Enhanced Login Security?
A: Enhanced Login Security will allow us to recognize you as the true owner of your account by recognizing not only your login information but also your computer or mobile device. If we don't recognize your computer or device, you will be required to enter the One-Time Passcode that will be sent to your telephone, to ensure authorized access.
Q: How does Enhanced Login Security work?
A: You will need to add extra security to each computer or device that you use for online banking. This can be done easily when you sign in to your Online Banking by choosing to register your computer or device. Whenever you login from a device that you have registered, you will automatically have additional protection, and notice no difference in the way you login. However if you login from a different computer or device than the one you have added, you will be prompted to enter the One-Time Passcode that is sent to one of your registered telephone numbers in order to login. Please note that if you use multiple browsers within the same computer or device you will need to register your computer in each browser separately.
Q: How do you recognize my computer or mobile device?
A: When you register your computer, a secure cookie will be placed on your computer or device. This secure cookie is unique, and when used in combination with your login information, creates a unique way to identify you to the system. For every login attempt after you register your computer or device, this secure cookie is validated along with the login identification you normally enter. This secure cookie is only used by Ocean City Home Bank to validate your identity and does not contain any personal information.
Q: What will adding extra security protection do for me?
A: Registering your computer or device allows us to recognize your computer or device along with your normal login information, which helps add additional protection from unauthorized access to your accounts. If someone were to get your login information and try to access your account from their computer, without the secure cookie they will be prompted to enter a One-Time Passcode that is sent to your telephone that they do not have access to.
Q: What will happen if I want to remove Enhanced Login Security from my computer or mobile device?
A: If you want to remove Enhanced Login Security from your computer or mobile device, the computer or device will have to be unenrolled. By un-enrolling your computer or device, the secure cookie will be removed from the computer or device you are currently logged into, and all future logins from this computer or device will require you to enter the One-Time Passcode that is sent to one of your registered devices or email. To un-enroll your computer, you will need to contact Ocean City Home Bank by emailing email@example.com or calling our Customer Care Center at 609-927-7722. Please note that we do not have the ability to un-enroll just one device, all devices will be un-enrolled and will require a One-Time Passcode to access your Online Banking for that device. You can un-enroll your Ocean City Home Bank Mobile App under My Settings - Remember this device. This will un-enroll just the one device.
Q: How does Enhanced Login Security protect me?
A: Enrolling your computer or device helps us to know that it's really you logging into your account. We know it's you because we recognize your computer or device AND your login information. If we do not recognize your device, then you will be prompted to enter the One-Time Passcode that is sent to one of your registered telephone numbers.
Q: Can I login from multiple computers and browsers?
A: Yes, you can login from as many different computers and browsers as you like. If you login from a computer that you haven't registered, you will be prompted to enter the One-Time Passcode that is sent to one of your registered telephone numbers so that we can verify that it's really you. If you provide this information correctly, you will have the option to register that computer, and avoid being asked for a One-Time Passcode again. Please note that if you use multiple browsers within the same computer you will need to register each browser separately.
Q: Can I still login to my account from anywhere?
A: Yes, this feature does not prevent you from logging in from any computer or device. If we do not recognize the computer or device that you are using then we will simply prompt you to enter the One-Time Passcode that is sent to one of your regsitered telephone numbers.
Q: What should I do if I do not want to use a computer that I have previously enrolled?
A: If, for any reason, you no longer plan on using a computer or device to access your accounts, and you have added enrolled that computer or device, you should remove the extra security from that computer. This can be done by contacting Ocean City Home Bank by emailing firstname.lastname@example.org or calling our Customer Care Center at 609-927-7722. This will remove the secure cookie from all enrolled devices; so that if an attempt to login to your account is made, you will be prompted to enter the One-Time Passcode that is sent to one of your registered devices.
Q: Why do I keep getting asked for extra information when I login from a computer that I have already enrolled?
A: This is probably happening because the secure cookie that was placed within your browser is getting deleted. This can happen if you delete cookies from your machine. This is a common method that Spyware blocker software uses to remove potentially risky items from your computer. These solutions typically remove ALL cookies as a precaution, even though very few cookies are actually security risks. In order to use this feature without being asked for a One-Time Passcode at each login, the secure cookie that we use to identify your computer must stay within your browser. We recommend that you do not delete these cookies if you do not want to be asked for a One-Time Passcode at each login.
Q: I share my computer with someone that also uses Internet Banking. Can both of us still login from the same computer?
A: Yes. You can use the same computer to login to your individual accounts safely; you will not be able to access each other's information. This is because your secure cookie is linked to only your login information. There is no limit as to how many secure cookies can be installed on the same computer. Just remember to never share your User Name or Password with anyone.
A: e-Statements are the same as your paper statement only you view it through Online Banking instead of receiving a paper copy in the mail.
Q: Why should I switch to e-Statements?
A: Fast: Receive your e-Statement faster than a paper statement. Email alerts notify you when your statement is ready to view.
Convenient: Your finances will be easier to manage with 24 months of statement history stored in your account. View your e-Statements from any computer at any time.
Secure: Reduce the risk of mail fraud and identity theft.
Green: Switching to e-Statements is a great way to "Go Green." e-Statements reduce paper clutter. However, you can always print your statement if you need a paper copy.
Q: How can I enroll in e-Statements
- Log on to Online Banking (new users must sign up first).
- Click on the Additional Services menu at the top of the screen and select e-Statements.
Business users: Choose Online Statements from the Online Requests menu at the top of the screen
- Read and accept the e-Statement disclosure. Once you have accepted the disclosure, you have successfully enrolled in e-Statements for all of the accounts you currently view through Online Banking. You may receive one more paper statement depending on your statement cycle.
Q: Why are e-Statements more secure than traditional delivery methods?
A: Last year thousands of Americans suffered identity theft due to stolen mail. Since e-Statements are not delivered to your mailbox, you won't need to worry about your personal financial information getting into the wrong hands.
Q: How will I know when my e-Statement is available?
A: You will receive an email from email@example.com notifying you that your e-Statement is available.
Q: How do I view an e-Statement?
A: Simply log on to Online Banking, click on the Additional Services menu and select e-Statements. Choose the account and the date of the statement you would like to view.
Q: What if I need a paper statement?
A: We will archive up to 24 months of statements. You can access these statements through Online Banking anytime. You will need a printer connected to your computer if you would like to print a copy of your statement.
Q: What if I want to start receiving paper statements again?
A: Simply call us at 609-927-7722, email us at firstname.lastname@example.org, or stop by one of our conveniently located branches.
A: The Ocean City Home Bank Mobile Banking App 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/4G/LTE networks. (Currently available for iPhone, Android, iPod Touch, iPad, and Amazon Fire devices.)
Q: How does the Ocean City Home Bank Mobile App work?
A: First you must download our Mobile App from the iTunes App Store, the Google Play Store, or the Amazon Marketplace. You can do this either from your mobile phone or computer. If you do access our App from your computer, the App will install on the mobile phone the next time the phone is plugged in to the computer.
Once you download the App, you log in with the same user ID and password that you use for online banking. No separate or different registration is required. Once logged in, you can:
- Access Your Accounts – you can view account balances and account history.
- Pay Bills* (for eligible users) - you can create and manage payees, create one-time payments, and cancel pending payments through mobile banking. However, to manage or create a recurring payment, you must access ochome.com from a PC or Mac.
- Make Transfers – you must have more than one account on online banking for this functionality to be available on mobile banking.
- Deposit a Check*
- Manage your Purchase Rewards
- Find an ATM/Branch – you can use the App to locate the ATM or branch nearest your location.
- Contact Us – you can contact us quickly right from the App.
Q: Is the Ocean City Home Bank Mobile App currently available to all users?
A: The Ocean City Home Bank Mobile App is currently available to all online banking users who own an iPhone, Android, iPod Touch, iPad, or Amazon Fire device with access to 3G/4G/LTE or WIFI.
Q: Is it safe to bank using the Ocean City Home Bank Mobile App service?
A: Yes. To protect your privacy, you are required to authenticate yourself on each individual mobile device using the same information from online banking. All communication between your mobile device and the mobile banking server is encrypted. In addition, your password and account information are never stored on the mobile device.
Q: How many transactions can I see on my phone at a time?
A: When you select an account name on the Accounts tab, the last 30 days of transactions will be displayed. Scroll down to load additional transactions.
Q: What different kinds of funds transfers are available?
A: To do a funds transfer, you must have more than one account in online banking. On the Transfers tab, you can enter an immediate transfer between your accounts. However, you are not able to see scheduled transfers on your phone nor can you change or remove a scheduled transfer this way.
Q: Why can't I access the Pay Bills tab?
A: The Pay Bills tab is only enabled for users who have signed up for the bill payment feature within online banking on a personal computer and have set up one or more payees (people or companies you want to pay). When you are ready to make payments on your phone, select the Pay Bills tab to view scheduled payments and make a new payment.
Q: Can I register for the bill payment feature on my phone?
A: Sorry, not at this time. Simply access online banking using a personal computer, click the Bill Pay button and enroll there. You may have automatically registered for the bill payment feature when you signed up for online banking. If so, all you need to do is set up one or more payees (people or companies you want to pay) to get started.
Q: How do I make a payment using my phone?
A: First, select “Make a New Payment” from the Pay Bills tab. Next, enter your payee information or select a payee name link from the list; enter the amount of the payment and the date to send/deliver the payment. Select the Make a new payment button. A confirmation message is then displayed, select OK to continue.
Q: Can I add a payee using my phone?
A: Yes, just select the Pay Bills tab and select the Make a new payment button. At the top of the screen in the box under Need to pay someone new? enter the payee name and follow the prompts.
Q: Can I see pending payments?
A: Yes, just select the Pay Bills tab to see a list of pending payments.
Q: Can I delete a pending payment?
A: Yes, you can delete a pending payment but you cannot change it. To remove a pending payment, go to the Pay Bills tab, select the payment you want to remove and select the Cancel Payment button. Then confirm that you want to cancel the payment.
Q: Can I see completed payments on my phone?
A: Yes. From the payee list, you can see the last payment associated with each payee.
Q: Can I deposit checks using my mobile device?
A: Yes. Currently available for camera enabled iPhone, Android, iPod Touch, iPad, and Amazon Fire devices. Select the Deposit Checks tab, choose the account in which to deposit and the amount, and take a picture of the front and back of the check following the prompts in the app.
Q: When are mobile deposits available?
A: Mobile deposits are available following Ocean City Home Bank's current check clearing policy.
Q: Is there a fee or a maximum amount I can deposit?
A: Please see our current disclosures for any applicable fees or maximums.
Q: How do I log out?
A: When you're ready to log out, select the Log Out button at the top right of the page and you will exit the Ocean City Home Bank Mobile App. This will return you to the Login screen.
Q: Is a password needed for the Mobile App?
A: Yes. From your mobile device, you will need to log in to the Ocean City Home Bank Mobile App. This is the same as you would for online banking, using the same login information you do for online banking. No separate Mobile App sign-up is required.
Q: I have disconnected my mobile phone. Will my service continue to work?
A: For the Ocean City Home Bank Mobile App to work, you must have a mobile device with access to the 3G/4G/LTE or WIFI networks.
Q: Is help available through my mobile device?
A: Click the Contact Us tab to find our support phone number 609-927-7722 and email address email@example.com. For help regarding your mobile wireless Internet connectivity, contact your wireless provider.
Q: My session timed out pretty quickly, can I change the timeout value?
A: Ten minutes is the only timeout option. For your security and protection, when there has been no account activity for ten minutes, the session times out and the Ocean City Home Bank Mobile App login page displays with a Session Expired message.
A: After your Ocean City Home Bank application has been approved, sign into our homepage at www.ochome.com and enter your user name and password you created during enrollment. During the initial login, you will be instructed to change your password, provide a phone number (for voice or text) to receive one time passcodes, and enroll your PC in enhanced login security.
Q: I have Online Banking, am I automatically enrolled in Mobile Banking?
A: There are two ways to get your account information on your mobile device. You can activate your cell phone for Text Message Banking under Additional Services -> Mobile Banking & Alerts -> Activate. You can also download our Mobile App on your iOS, Android, or Amazon tablet device by visiting the App Store. Your Online Banking and Mobile App sign on information is the same.
Q: How frequently is my Ocean City Home Bank information updated?
A: Ocean City Home Bank customers receive up-to-the-minute information regarding their account balances. The Online Banking/Mobile Banking information is real-time and current.
Q: Can I look at my transactions at any time?
A: Yes, with Online Banking/Mobile Banking and our Telephone Banking system, you have access to your account information and to all processed transactions 24 hours a day, 7 days a week!
Q: How long does it take to set up a new payee in the bill payment system?
A: Once you have entered a new payee into the Electronic Bill Payment System, you can schedule a payment immediately.
Q: After I make a bill payment, how long does it take for the money to be debited from my account?
A: The money will be debited electronically from your account within 1-3 business days starting on the business day following the payment date. If you make a payment on Monday, you can expect the money to be debited from your account by Wednesday or Thursday of the same week.
Q: How long does it take for a payment to reach the payee?
A: A payment that generates an ACH payment will credit the payee's account within 1-3 business days; whereas, a paper check will take up to 5 days. While setting up your payment, the system will provide you an estimated delivery date.
Q: How do I actually use the Electronic Bill Payment System?
A: Step-by-step instructions can be accessed by pressing the help button within Online Banking.
Q: How long can I be inactive before being logged out of the Online Banking product?
A: The inactivity time-out default is set for 10 minutes.
Q: When does an Online Banking user become inactive?
A: All Online Banking users who have not accessed Online Banking for at least 180 days are considered inactive. Once you become an inactive Online Banking user, your access to Online Banking may be discontinued.
Q: I have Online Banking, am I automatically enrolled in e-Statements?
A: No, this requires a separate disclosure that must be accepted electronically from inside your Online Banking. This disclosure can be found in your Online Banking under Additional Services -> e-Statements. You must accept the disclosure to be successfully enrolled in e-Statements.
Q: When I enroll in e-Statements, which accounts will be enrolled?
A: All accounts that are linked to your Online Banking access will be enrolled for e-Statements; this means you will no longer receive a paper statement in the mail for those accounts.
A: Our Text Message Banking service is secure and enrollment is completed behind the login of Internet Banking. Text messages will never contain confidential information about you or your accounts, and will never contain full account numbers.
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: 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 cellphone. Please check with your mobile carrier if you are unsure.
Q: Which carriers do you support?
A: Our Text Message Banking service works on all major mobile providers in the U.S. The following lists some, but not all, of the carriers that support this service: AT&T, Alltel, Cellular One Dobson, Nextel, Sprint, T-Mobile, Unicel, US Cellular, Verizon Wireless, nTelos
Q: How do I deactivate the Text Message Banking service?
A: You can text STOP to us on your activated cellphone, or you can return to the mobile banking page and click the Deactivate link next to your mobile device number. Your phone will no longer receive any text messages from us via Text Message Banking. You can add a new mobile phone at any time if you change your mind later.
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 your mobile number during setup, please check your mobile device now. 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, you can. If you experience difficulties, we recommend that you go through the setup process again to obtain a new code.
Q: I still have not received my code, what do I do?
A: It might take several minutes to receive your code. If you feel you have waited long enough, you can click the Resend it link. Please check your mobile device shortly for a new text message. If you are still experiencing problems, be sure you entered in the correct mobile number during setup.
Q: What is a primary text banking account?
A: Your primary account is the default account that we will use when you text BAL to us with the short code. You should select the one you will likely want to check most often. You can get all account balances by texting 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 get the balances of my other accounts?
A: Yes. When you text "BAL ALL" to the short code, we will reply with a message containing the balances of all your checking, savings and any other accounts.
Q: Can I change the primary account selection later?
A: Yes. Simply return to the mobile banking page and select another account from the primary text banking account drop‐down list.
Q: What commands or keywords can be used?
A: Use any of the following commands/keywords:
- 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 fund amount to primary account
- STOP = Deactivate service
- HELP = Help on keywords
Q: Are keywords case sensitive?
A: No, keywords are not case sensitive. For example, you can type “help” or “HELP.”
Q: What is the number I should use to send the keywords?
A: The short code is OChome. This short code will only work if you have activated the Text Message Banking Service.
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 there any password needed for Text Message Banking?
A: You do not need a password to access your account information via text message.
Q: I have a new mobile phone number. Can I change or add my number online?
A: Yes. You first need to deactivate your previous cellphone number within the mobile banking page, or text STOP to us. Then click Activate on the mobile banking page and set up the new cellphone number.
Q: Is it possible to stop the weekly account balance notifications?
A: Yes. Just go to the mobile banking page 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 page, 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 this specified dollar amount.
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 page. Then, for example, texting TRANS 400 to the short code 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.