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Frequently Asked Questions on Mobile Money

  1. What is Farmers & Merchants Mobile Money?
  2. Mobile Money is a convenience product that enables you to use your mobile device to securely view personal account balances, transfer funds, deposit checks remotely with a cell phone with internet access and find an ATM.

  3. What does mobile banking cost?
  4. Mobile Money is available for personal and small business accounts. We do not charge a fee to use our Mobile Money product. Message and data rates may apply. Check your carrier plan for details.

  5. Is mobile banking secure?
  6. The security of your account and transaction information is crucial to your trust in us. Our handling is identical to the process and priorities we have in place for Online Banking. Access our Security Center for more information.

  7. How do I activate mobile banking?
  8. If you already have Online Banking, just click the options tab, and then select the Mobile Banking session to get started. You will need your mobile device with you to complete activation. Message and data rates may apply. Check your carrier plan for details. Follow the steps on screen to complete your enrollment and set up your account. You can return to the Mobile Banking option at any time to make changes to your mobile banking settings. If you do not have an account, stop in and see a personal banker for details or call to schedule an appointment at your convenience.

  9. Can I use more than one device to access mobile banking?
  10. Yes, simply follow the same steps under the "How do I activate mobile banking?" section to activate and manage each of your devices. Message and data rates may apply. Check your carrier plan for details.

  11. Do I need a special phone to use Mobile Money?
  12. You should not need a special phone. Mobile Money will work with most phones and most major mobile service providers. You should be able to use the service if you can browse the Internet on your phone and if your phone allows text messaging to and from short codes. Message and data rates may apply. Check your carrier plan for details.

  13. What is Text Banking?
  14. Text banking is an easy way to check account information via text message and find the nearest ATM or Branch.
    To use Text Banking once you’ve activated Mobile Banking, simply send a text message with one of the Text Banking commands to 96924, the short code for Farmers & Merchants State Bank Mobile Money.
    Reply "HELP" to 96924 for help. Reply "STOP" to 96924 to cancel. Message and data rates may apply. Check your carrier plan for details.
    We suggest using a short account nickname for Text Banking since you will have to type this into your device each time you send us a text message to request transaction history. To change your account nicknames, sign in to Online Banking, click the Mobile Banking tab and select "Update your registered mobile accounts and time zone."

  15. What if I forget the Text Banking commands?

    Text HELP to 96924 to receive a short list of the most common commands. Message and data rates may apply. Check your carrier plan for details. Or view the full list of Text Banking commands below. Note: Commands time out after 60 seconds.

Text Banking Commands


Command

Description

Alternate Commands*

BAL

Balance Inquiry - Returns a list of your registered account nicknames and their balances.

Example:
You send: BAL
Our reply:
FMSB BAL @ 6/15/2012 3:10 pm
Interest Checking1c: $500
Personal Savings 2s: $1,200
Reply STOP to cancel

B
BALANCE
BALANCES

HIST

Transaction History - Returns a list of transactions for the account nickname you specified. Reply NEXT for additional transactions.
(see abbreviation chart below for more details)

Example:
You send: Hist acct name (Interest Checking) 1c
Our reply:
FMSB HIST
STMT 6/15/12 3:15 pm

6/15/12 +$38.94
6/15/12 -$14.57
6/15/12 +$50.00

Reply NEXT
Message & data rates may apply. Check your carrier plan for details.

STMT
TRAN

ATM plus Zip code, City or State 

ATM Locator – Returns the address of the two closest ATM’s to the location you specified. Will also include phone number if the ATM is at a branch location. Reply NEXT for additional ATMs.

Example:
You send: ATM 53559

Our reply:
FMSB

 

Reply Next

Message and Data rates may apply. Check your carrier plan for details.

 

 

BRANCH plus Zip code, City or State

Branch Locator – Returns the address of the two closest ATM’s to the location you specified. Will also include phone number if the ATM is at a branch location. Reply NEXT for additional ATMs.

Example:
You send: ATM 53559

Our reply:
FMSB

Reply Next

Message and Data rates may apply. Check your carrier plan for details.

BOTH plus Zip code, City or State

ATM and Branch Locator – Returns the address of the two closest ATM’s to the location you specified. Will also include phone number if the ATM is at a branch location. Reply NEXT for additional ATMs.

Example:
You send: ATM 53559

Our reply:
FMSB

Reply Next

Message and Data rates may apply. Check your carrier plan for details.

NEXT

Returns additional ATMs or branches for the specified location following an ATM or BRANCH command.

MORE

HELP

Help - Returns a short list of common instructions, support information and how to cancel the service.

Example:
You send: HELP
Our reply:
FMSB

BAL
HIST nicknm
ATM BRANCH addr

920-478-3007 for help
Reply STOP to cancel

Message & data rates may apply. Check your carrier plan for details.
Average user gets 5 msgs/month

HLP

 

 

 

  1. What if I don’t receive text messages when I try to enroll in mobile banking?
  2. Text messages for Farmers & Merchants Mobile Money are sent via a short code. For example, when you text the command BAL to 96924 you are texting to a short code versus a full telephone number. Please contact your mobile service provider to ensure they allow short codes. Message and data rates may apply. Check your carrier plan for details.

  3. How do I access mobile banking from my phone’s browser?
  4. When you activate and request the Mobile Web service, you'll receive a text message containing a link to access Farmers & Merchants Mobile Money from your device. When you click that link on your device, your phone's browser will take you to the sign in page for mobile banking. Message and data rates may apply. Check your carrier plan for details.

    If you need to request that link again, sign in to Online Banking and click the Mobile Banking tab. Choose "Have a web link sent to your mobile device" option next to the phone number you want to send the link to. You'll receive a text message containing the link. For additional assistance, please contact 888-478-3007.

  5. How do I download the Android™, BlackBerry® or iPhone® application?
  6. When you activate and request the Mobile App service, you'll receive a text message containing a link to downloadable mobile applications. When you click that link on your device, you'll automatically be directed to the appropriate application for your device.

    Google Play is a free app that is necessary to streamline this process for some phones.

    Message and data rates may apply. Check your carrier plan for details. For additional assistance, please contact 888-478-3007.

  7. How do I deactivate mobile banking?
  8. Sign in to Online Banking and click the Options tab, Mobile Banking Profile, and then Manage Device. Choose the "Stop using Mobile Banking" option next to the phone number you want to deactivate. For additional assistance, please contact 888-478-3007.

  9. What if my mobile device is lost or stolen?
  10. Please see the "How do I deactivate mobile banking?" section.

  11. What should I do when I get a new phone?
  12. Un-enroll your old phone and re-enroll your new phone. This must be done on a computer, not a phone.

  13. Is there a special way that I need to sign my checks when I deposit them with my phone?
  14. All items deposited using the mobile deposit service must be endorsed as “For Deposit Only, Mobile Deposit Item” to your Farmers & Merchants account or the deposit will not be accepted.

  15. When will my mobile deposit appear in my account?
  16. Subject to review, if we receive the image of an item for deposit on or before 3 pm central time on a Business day, we will consider that the day of deposit. You will not be able to see the deposit online immediately. If an item is rejected upon review, you will be notified along with the reason for rejection.

  17. Is there a limit on the size of the check that I can deposit remotely?
  18. In the terms and conditions you agree to abide by any per-day, per-week, per item or any other limitation that we establish. Please contact customer service at 888-478-3007 to discuss your personal situation. They are there to help with this service.

  19. Where can I find more details on Mobile Money?
  20. The terms and conditions disclosure is very detailed and will address your concerns. It can be found under Personal Service and then Disclosures on our website or with the mobile banking application on your phone.


 
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Waterloo - Marshall Wisconsin
1-888-478-3007

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