Mobile Banking – FAQ
How Secure is the TriCentury Mobile Banking?
Mobile banking is very secure. In fact, it offers the same level of protection as our Online Banking service.
- Multiple layers of authentication to prevent unauthorized access
- Account information is encrypted to safeguard your information
- We use industry best practices to continually monitor and protect your information
- No identifiable information – we don’t return any personal information in a text message, such as your full account number, email address, or personal address.
- We never ask for or include your User ID or Password in any message we send.
Is the TriCentury Mobile Banking Free?
- There is no charge for using our Mobile Banking Application. Standard fees apply for bill payments and Popmoney person-to-person payments made through Mobile Banking. There is a fee for mobile deposits, which is an optional feature. Also be aware that message and data rates may apply from your mobile carrier.
Do I need to be enrolled for Online Banking to use TriCentury Mobile Banking?
- Yes. You must be enrolled for Online Banking before using any of the Mobile Banking option
Do I need a new User ID and Password for TriCentury Mobile Banking?
- No, use the same User ID and Password you use to log on to Online Banking.
Do I need Internet access to use TriCentury Mobile Banking?
- Internet access is required to use the Mobile app and Mobile Browser banking.
- Text capability is required for Text Banking.
What type of mobile devices work with the TriCentury Mobile Banking App?
- The Mobile Banking app works on smartphones or tablets running either the Apple iOS or Google’s Android operating system.
- Your mobile device must be web-enabled.
- Contact your mobile provider for support with any of these steps.
What type of mobile devices work with Text Banking?
- Any mobile device that is capable of sending and receiving texts.
Can I use multiple mobile devices to access TriCentury Mobile Banking?
- Yes. You can use any number of compatible mobile devices for our Mobile Banking service.
What types of accounts can I access with TriCentury Mobile Banking?
- You can access the same accounts that are view-able through online banking including checking, savings, CD’s and loans.
Is there a wait period to use TriCentury Mobile Banking?
- There is no waiting period.
- Mobile Banking App – Once you’ve downloaded and installed the app, just log on using the same credentials you use for Online Banking.
- Mobile Web Banking – From your mobile browser, log on to Online Banking at www.TriCentury.bank using the same credentials you currently use.
What if I lose my mobile device?
- You can deactivate your device in Mobile Banking. Log on to Online Banking to access your Mobile Banking preferences. Locate the phone number and select the option “Stop using this device for Mobile Banking”.
- No personal or financial information is saved or stored on your mobile device. It’s also good idea to lock access your mobile device to prevent unauthorized access.
How do I set-up Card Controls?
- It’s easy, Just log on to our mobile banking app, select more on the application, and select “cards” tab, and you will have full access to controls on card.
What Card Controls do you have with the TriCentury Mobile app?
- Turning cards “on” and “off”
- set card limits
- Transaction Amount Limit
- Location Limit
- Merchant Limit
*Card controls do not override bank rules on debit cards.
** contact the bank immediately, if card is lost or stolen.
*** Alerts can be setup for blocked transactions only, if all alerts are needed, card valet needs to be installed as a standalone application.
How do I set-up Alerts for my accounts?
- It’s easy. Just log on to Online Banking to set your Alert preferences.
Can I add new payees from TriCentury Mobile Bill Pay?
- No. To add a new payee to your list, just log on to Online Banking Bill Pay.
How should I endorse a Mobile Deposit check?
- Be sure that the back of the check is endorsed, as usual, plus include the words “For Mobile Deposit” to identify the item as a Mobile Deposit.
When are the funds available from a Mobile Deposit?
- Mobile Deposit funds are generally available on the next business day, just like any deposit.
*in some circumstances a hold may be placed
What should I do with my paper check?
- Securely store your check for 14 business days, then destroy the original paper check.
What types of checks can I deposit?
- You can deposit any check drawn on a U.S. financial institution. The following items cannot be deposited using Mobile Deposit:
- International checks
- U.S. savings bonds
- Money orders
- Cashier checks
What dollar limits apply to Mobile Deposit?
- You may make any number of Mobile Deposits with a limit per check of $1500.00 and a daily limit of $3000.00. Each Mobile Deposit includes one deposited check only.
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