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Mobile Banking FREQUENTLY ASKED QUESTIONS
What is Mobile Banking?
Mobile Banking is an Internet based service that delivers the convenience of Online Banking to your mobile device. Mobile Banking allows you to perform banking related transactions from your phone 24/7.
What services are available with Mobile Banking?
View account balances
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Check transaction history
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View pending transactions
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Transfer funds
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Receive alerts on your accounts
What types of accounts can I access with Mobile Banking?
Mobile Banking will provide access to the same accounts that are viewable through Online Banking; including checking, savings, CD’s and loans.
Is there a cost to use Mobile Banking?
Mobile Banking is a free service. Contact your cell phone carrier for any standard charges that may apply for text messaging or Web usage.
Is Mobile Banking secure?
Yes. All messages exchanged between the cell phone and server are encrypted with 128 bit encryption. The message is then transferred over the phone carrier’s network. Multifactor Authentication is achieved by the use of three input fields, including: Access ID, a One Time Password and a Mobile PIN.
What phones are supported for Mobile Banking?
Phones must have Internet access and a browser that supports xhtml pages. Please contact your carrier for specific questions relating to your phone’s individual settings.
Does Mobile Banking require any software to be loaded on the phone?
No. Mobile Banking is a browser based application that does not require any software to be loaded to the individual device.
How do I enroll?
Mobile Banking enrollment is completed through our Online Banking service. Customers must first log on to Online Banking. From the User Options menu, choose “Mobile Banking Enrollment” and enter your information. Within 1-2 minutes the Mobile Banking application will send an enrolment text message to your mobile phone number. The enrolment text message will include a One Time Password (OTP) and dynamic link containing the OTP to log on to Mobile Banking.
Is there a wait period after enrolling?
No. Once you’ve enrolled, Mobile Banking is activated and ready to use. As soon as you receive your enrolment text message you can log on.
How do I log on to Mobile Banking?
(based on functionality of your cell phone)
Phone allows links:
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Open the most recent text message containing your One Time Password (OTP)
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Go to the link in the message
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Enter your Access ID and your 4-digit Mobile Banking PIN. (your OTP is embedded in the link)
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Click Submit
Phone does not allow links:
Open the most recent text message to get your One Time Password (OTP)
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Access the web from your phone.
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Go to www.theriverbank.com/mb.php (save this link in your favorites or as a bookmark)
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Enter your Online Banking Access ID, your 6-digit One Time Password, and your 4-digit Mobile Banking PIN.
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Click Submit
How do I receive my One Time Password?
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A One Time Password is delivered to your cell phone by text message (or e-mail) upon enrolling for the service.
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Each time you log on to Mobile Banking, a new One Time Password is delivered by text message.
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Save your most recent text message with your OTP which you will use the next time you log on.
What if I can’t locate my One time Password?
Go to www.theriverbank.com/mb.php (save this link in your favorites or as a bookmark) and request a new One Time Password be sent to your cell phone.
What do I use for my Access ID?
The Access ID used for Mobile Banking is the same as the Access ID used for Online Banking.
Is Bill Pay available through Mobile Banking?
Bill Pay is currently not available through Mobile Banking.
Can I use Mobile Banking to view my Business bank accounts?
Mobile Banking only available with the Personal Online Banking service at this time.
What if I change carriers or change my phone number ?
Contact Customer Service at 888-294-2183 and they will help you make the necessary changes.
If I loose my cell phone, what should I do ?
Contact Customer Service at 888-294-2183 and they assist you in deactivating your Mobile Banking service. If you find your phone or purchase a new one, you can re-enroll.
