Mobile Banking FAQ

What is Mobile Banking?
With the Mobile Banking application, you can view account balances, view account history, transfer money, and view and pay bills from your mobile device.

Is Mobile Banking safe?
Yes. Mobile Banking is safe. Your Mobile Banking application is protected with two-factor authentication and encryption of offline storage. Mobile banking requires a 6-digit PIN to access the application. All data placed into local storage on the mobile device is first encrypted. This ensures that if the mobile device is lost or stolen, the data stored locally for the Mobile Banking application is unreadable.

How do I enroll in Mobile Banking?
Mobile Banking enrollment takes place in Online Banking and is coordinated with your mobile device. You must have a supported device and be able to access the Internet from your mobile device in order to enroll in Mobile Banking. To enroll, select Mobile Banking within Online Banking and click on Enroll Now. Follow the steps to enroll, download and install the Mobile Banking application on your mobile device. Note: An increasing number of devices already have the application pre-installed, so no download is required.

Can I pay bills through Mobile Banking?
Yes, you can view and pay bills through Mobile Banking. You must be enrolled Bill Pay to view and pay bills through Mobile Banking.

Can I transfer funds between financial institutions?
No, currently you can only transfer funds between your accounts at the same financial institution.

Can my spouse also have access to our joint accounts through Mobile Banking?
Yes. As long as an individual has an online banking account and a supported mobile device, they can have a Mobile Banking account. Each account owner must enroll in Mobile Banking through Online Banking.

Can I use multiple mobile devices to access Mobile Banking?
Yes. You can have multiple mobile devices to view your accounts in Mobile Banking. To add a mobile device to your account, follow the instructions below:

1. Logon to Online Banking and select Mobile Banking.
2. In the Mobile Device Summary section, click on Add Device and you will be presented with an Enter your Mobile Device Information page.
3. Select your wireless carrier.
4. Select your mobile device (Manufacturer and Model).
5. Enter your mobile device phone number
6. Select Continue and an initialization code will be presented to you with instructions for downloading the application.
7. Follow instructions given to locate the Mobile Banking application on your mobile device or to download and install the Mobile banking application.
8. Follow the prompts on the Mobile Banking application to access your accounts on the additional device.

Can I use the same PIN as I use for online banking?
No. The Mobile Banking PIN must be a 6-digit number. For security reasons, the PIN can not be comprised of all the same digits (111111) nor sequential digits (123456, 345678, etc.).

Can someone intercept my Mobile Banking transactions?
No. 128 bit SSL encryption protects your information as it travels from your mobile device to America First. The 128 bit SSL encryption technology is the same encryption that safeguards internet traffic for secure web applications.

What are the fees for Mobile Banking?
America First does not charge any fees for Mobile Banking. For the Wireless Operator connectivity and usage rates may apply. Contact your wireless service provider for more details.