Do I need to be a Online Banking user to access Mobile Banking?
Yes, you have to be enrolled in Online Banking to use Mobile Banking. You will use your member number and password that you set up for Online Banking as your Mobile Banking password. If you change your Online Banking password, it will also change for Mobile Banking. With your first login through Mobile Banking, you will be required to set up three security questions/answers, these may not match your Online Banking questions and will not affect the questions set up for Online Banking.
Why do I have to be a Online Banking user to use Mobile Banking?
To provide maximum security protection, Mobile Banking uses the same member number and password you set up for Online Banking access. Without first being enrolled in Online Banking, there will not be a password set up for you to use Mobile Banking.
Why do I have to answer new security questions different from Online Banking?
Since Mobile Banking uses a different device, we use separate security questions to provide you with greater protection and to maximize the speed of transaction processing.
Do I have to enter all three security questions every time I login to mobile banking?
No, since your Mobile Banking activities are controlled by your account relationships or eBill Payments that you have previously set up in Online Banking, it is only needed when you transfer funds to Other Members Account.
Why do I have to enter the security question answers every time I transfer to another member?
We ask three questions to provide greater security and protection for you.
How long of inactivity until I get logged out?
You get 5 minutes of inactivity until you get logged out of Mobile Browser or the Apps. The time limit is less than Online Banking for security reasons. It is very simple for someone to put their phone down and it be picked up by someone passing by.
Why can't I set up a new bill payee in Mobile Banking?
For security reasons, all bill payees must be set up in Online Banking.
Why do some of my bills not show up in Mobile Banking?
The only bills that will appear in Mobile Banking are bills set for companies. At this time people and transfers are not accessible in Mobile Banking. You will need to login to Online Banking in order to pay a person or transfer to another account.Your text...
I have multiple checking accounts and Bill Pay in Mobile Banking does not tell me which checking is which, how can I make sure I pay my bills from the correct checking account?
Mobile Banking pulls your accounts exactly as they are titled in Online Banking eBill Pay. You can rename your accounts to identify them by signing into Online Banking, go to eBill Pay, under Options click on Pay From Accounts. From there click on View Accounts, Active Accounts, and change the account Nickname. You may need to look at the last four of your check book number to help identify your checking accounts. Please note; this change in Online Banking eBill Pay will only change the account Nickname for eBill Pay and Bill Pay in Mobile Banking. It will not change the account nickname for Online Banking account Overview page.
How much does it cost to use Text Banking, App, and/or Mobile Browser?
F&A does not charge a fee for members to use any of our Mobile Banking solutions. Standard wireless text message and data charges may apply. Check with your wireless carrier.
Can I use more than one Mobile Banking solution?
Yes, you can use any and all of F&A's Mobile Banking solutions.
Can I access my account from more than one mobile device?
Mobile Banking can be accessed by more than one phone. Your phone number can only be set up for one account for Text Banking.
Which mobile devices are supported for Mobile Banking?
You can access F&A Mobile Banking from any Internet-enabled mobile device including iPhones, iPads, and iPod Touches, Android phones, RIM BlackBerry phones, Palm Pres and Treos, Pocket PC devices, and Internet-enabled flip phones. Text Banking can be accessed from any text capable mobile device.
Who do I contact if I need help with any of the Mobile Banking solutions?
Please contact 800-222-1226 and talk to a Telephone Service Representative or email webservices@fafcu.org.
What happens if I get locked out of Mobile Banking or have forgotten my password?
As with Online Banking, you must call F&A Telephone Service Center at 800-222-1226 to reset your password. Once your password is reset, you must first specify your new password on Online Banking via your PC. For security reasons, you may not specify your new password on F&A Mobile Banking. Once your password is set up through your PC, you may use your member number and password to immediately log in to F&A Mobile Banking.
Who do I contact if I get locked out of Mobile Banking Security question answers?
If you know your answers but entered them incorrectly too many times and have gotten locked out you will need to contact us at 800-222-1226 to have Mobile Banking unlocked.
Who do I contact if I forgot my Mobile Banking Security question answers?
If you forget your Security question answers, you will need to contact us at 800-222-1226 to have them reset.
I know I am entering my login information correctly, but I can't login.
There may be one of several things that is occurring with your Online Banking account
- Online Banking may be down. This can be confirmed by logging into www.fafcu.org to verify.
- MultiFactor Authentication (MFA) challenge questions may not have been set up on your account. Please go to Online Banking and set that up.
- You may have one or more pages showing up on Online Banking that require your attention, such as email address confirmation pages, security update pages, or Terms and Conditions update. You will need to login to Online Banking and take care of those pages before you can use Mobile Banking for privacy and security reasons.
Is there a list of steps I can take to see why I can't login?
The following steps will narrow down any login problem:
- Login to Online Banking successfully at fafcu.org. If you can't login to Online Banking, you cannot login to Mobile Banking.
- Make sure the first page you see after you login shows your account information, not a promotion or a page which asks you to confirm information such as your email address. If one of these pages appears, respond as appropriate to the page, and try logging in to Mobile Banking after you have done that.
- Login to Mobile Banking at m.fafcu.org with a PC browser instead of your phone. If you cannot login to Mobile Banking on a PC, then there may be a problem with Mobile Banking handling your account. If you can login to Mobile Banking on a PC, then there is likely a problem accessing the Internet with your phone or a problem in how you are entering your login information on your phone. Please make sure of both of these items.
I keep getting locked out of my account when I try and log in on my mobile phone. Why doesn't it accept my login information?
Using your mobile phone to enter data takes a little practice. Passwords are case sensitive; make sure you are entering your password exactly as it is set up. If your password begins with a lower-case letter, you may need to use your phone's shift key to change the default from upper case. In addition, some phones require extra shift key presses to enter numbers instead of letters.
Why can't I see the first few transactions of my account history in Mobile Browser or the App?
Due to the screen size on the mobile phone, only a limited amount of information can be displayed. Some mobile phones take you to the middle or bottom of a new page instead of the top. To make sure you are at the top of the page, use the up arrow key on the phone to scroll all the way to the top of the page.
Is my banking information saved on my phone?
No information is saved on your phone. F&A Mobile Banking does not store cookies on your phone, and no data is saved in permanent memory on your phone. All information you see is session-related, so logging off Mobile Banking will remove any access to the pages you have been viewing. For additional protection, you may wish to clear the cache of your phone browser. Depending on your phone settings, you may have it set up to save passwords. You should turn off this function for added security for Mobile Banking.
My phone's home page for the Internet is a Google search page. When I put m.fafcu.org in the search field, Mobile Banking doesn't show up.
Do not put the URL for Mobile Banking in a search engine's search field. Instead, use the browser's Menu button and select the item where you can enter a URL directly, e.g., "Go to" or "Go to URL", or click on the URL locator bar at the top of the browser and enter the URL directly.
When I use the Back button on my browser, weird things happen, like a blank page coming up or the previous page with error messages.
Never use the browser's Back button on a phone with Mobile Banking, especially after a page where you have entered information and pressed Submit or Continue. Use the links and tabs in Mobile Banking to navigate through the pages.
How do I know if my phone is web-enabled?
If you have a browser that allows you to see web pages on your phone's main menu or home page, then it is web-enabled. The browser icon is usually a picture of Earth. Contact your mobile phone carrier to confirm that your phone is web-enabled and that the service is activated.
I can't log in with the Mobile Banking application that came with my phone.
There are several generic applications that claim that they can provide logins to your account. There is no guarantee that any of those will work or have reliable features. F&A's official Mobile Banking solution is found by entering m.fafcu.org into your phone's browser, not by using an application supplied by your carrier or a third party.
What is Text Banking?
Text Banking is the ability to text commands to F&A to either obtain information regarding your account or to make share to share transfers within your account.
Do I need the internet for Text Banking?
No, you do not need a data package or internet enabled phone to use F&A's Text Banking. You do need text capabilities on your phone. F&A does not charge for texts sent or received but standard wireless text messaging rates do apply. Please check with your wireless carrier.
Which wireless carriers are supported in Text Banking?
Our Text Banking service works on all major mobile providers in the U.S., including:
- Alltel
- AT&T
- Nextel
- Sprint
- T-Mobile
- US Cellular
- Verizon Wireless
- Virgin Mobile
How do I sign up for Text Banking?
You can either register your phone number through the Mobile Browser or one of the Apps under SMS guide or login to Online Banking and click on Text Banking under Quick Links. All methods of registering for Text Banking do require you to be enrolled in Online Banking.
Is Text Banking case sensitive?
No it is not. You can send your requests in either capital or lower case.
I sent in a command exactly as shown and got an error message stating invalid command, why?
If you have a text message signature setup on your phone, you will need to take off the signature. Since the signature shows as part of the text message, it is not recognizing it as a command and returns an error message.
If I unenroll from Text Banking am I able to register later on?
Yes you can register again. You will need to access the Text Banking registration link in Online Banking or the SMS Guide in Mobile Banking and enter your phone number again.
Where do I text my account inquiries and transfers?
Send all Text Banking commands to 21443. For easy access, you can save this number as a contact for F&A Text Banking.
How do I format messages sent to Text Banking?
When sending a request, always enter FA before your command (i.e. fa bal, fa hist, fa help, fa cmd, fa xfer, fa xferhelp, fa stop). There needs to be a space between FA and the command you are sending otherwise you will get an error returned.
How do I format a Text Banking transfer?
To make a transfer text 'fa xfer from account number with the sub account to account number with the sub account and amount' (i.e. fa xfer 123456S1 123456S8 100 to transfer $100.00 from your savings account to your checking account). Please make sure to have spaces as shown here. Any added spaces or lack of space will create an error. Transfers can only be performed to and from your accounts or accounts you are joint on and show in Online Banking, not to other members' accounts.
How do I know which accounts I am able to transfer between?
Text fa xferhelp and you will receive a response showing all your available 'from' and 'to' accounts.
I requested my balances and received all accounts I am joint on, why?
You will receive the balance and history to all the share accounts that you see when logged into Online Banking. This may include any Engine or Station accounts you are joint on. If you see the share account in Online Banking, it will show in Text Banking and Mobile Banking.
I just made a purchase with my FAFCU Debit Card and my Text Banking balance does not reflect the correct balance, why?
Text Banking pulls information through Online Banking. If the transaction does not show in Online Banking then Text Banking will not reflect the purchase in your balance.
I requested my history and only got three transaction dates and amounts returned, will I be able to see the place/description of the transaction?
Due to the limited space in text messages, the place/description of the transaction is not available. To get more information on a transaction, you can check Online Banking, Mobile Banking or call 800-222-1226 during business hours.
Why are my inquiries received as multiple text messages?
Text Banking can only allow 160 characters per message, if your request returns more than 160 characters, you will be receive multiple text messages until all information requested is received.
Why are some of my requests returned to me minutes after my request?
Depending on phone carrier service and how much information needs to be sent, you may receive delayed messages on some parts of your request even though you were able to receive some seconds after your request.
Why do my account balances or history come out of order?
Since all of your account balances and history are sent out seconds after your request, there may be a backup of some of the text messages to get through at the same time. This backup can cause the information to be sent out of order.
Can I have more than one phone registered for my account?
Yes. Each phone does need to be individually registered. It is up to you to unregister any phone you do not want to have access to your account.
Can I have my phone set up for more than one account for Text Banking?
No, your phone number can only be set up for one account.
How much history is provided through Text Banking?
The last three transactions per sub account will be shown.
How quickly does the message go through?
Messages typically go through within seconds, although delays of several minutes or more may be experienced depending on your particular wireless carrier.
Is there any password needed for Text Banking?
No. Once your mobile phone is registered, your mobile device is used to authenticate your account access.
Does the message go through if I have no coverage?
No coverage on your cell phone means that nothing can get to your phone, and that includes text messages.
I am enrolled in Text Banking and have text messaging capabilities on my mobile phone. Why am I unable to receive text messages from FAFCU on my mobile phone?
Please make sure you registered the correct phone number. If you have, please contact your wireless carrier to verify text messaging has not been turned off.
I have a new mobile phone number. Can I change or add my number online?
Yes, you first need to deactivate your old phone number and add your new phone number, which can be done by logging in to the Text Banking registration link in Online Banking or Mobile Banking.
If I change my Online Banking Password, will it affect Text Banking?
If you make any changes to your Password, you need to login to the Text Banking registration link in Online Banking or Mobile Banking with your updated Online Banking Credentials before you can continue using the Text Banking service.
Is Text Banking secure?
No, it does contain limited sensitive information including your account number. It is your responsibility to delete text messages.
What are FAFCU's iPhone App and Android App?
F&A's Apps are free Mobile Banking programs for the iPhone, iTouch, iPad, and phones operating on Google's Android operating system. These Apps allow members to access their account through their mobile phone. The Apps can be found in the iTunes Store or Android Market by searching any of the following terms; F&A FCU, F&A, FAFCU, F & A Federal Credit Union, F and A Federal CU.
How do I sign up to use FAFCU's iPhone or Android app?
There is no sign up process. All you need to do is go to the iTunes Store or Android Market and download F&A's Mobile Banking App. The Apps can be found by searching any of the following terms; F&A FCU, F&A, FAFCU, F & A Federal Credit Union, F and A Federal CU.
What is the process to login to my account using the App or Mobile Browser?
Once you have downloaded either the iPhone or Android App, you will enter your member number and password you use for Online Banking. On your first login, you will be prompted to answer three security questions that will be asked on certain transactions in Mobile Banking. These questions and answers may be different than the ones you have set up for Online Banking and they will not affect one another.
How much history can I view through the Mobile Browser or App?
You are able to see as much history as is shown in Online Banking when you click on an account to view the history. You are able to search past history through the Mobile Browser or App by selecting Search by Date Range. You will be able to view at least a year of history.
How secure are the Apps and Mobile Browser?
F&A Mobile Banking is encrypted using the Wireless Transport Layer Security (WTLS) protocol, which provides the highest level of security available today. Additionally, all data that passes between the wireless gateway, Mobile Banking provider's servers, and F&A's web servers is encrypted using Secure Socket Layer (SSL) certificates.
I'm sure I'm typing in the right characters. Or am I?
Some phones automatically capitalize the first character you type in a text field. That is seen by the shift button on the left side of your keyboard being highlighted. You can force the character to be lower case by pressing the shift button once so it is not highlighted.
I downloaded the Android app but it will not run on my Android 1.x phone.
The Android app for F&A Mobile Banking is only supported for phones using the Android 2.0+ operating system. Please ask your carrier about uploading the latest OS to your Android phone.
Why am I not able to see Rates, Find Us, Contact Us, About Us or Home on the Android App?
You are able to see the menu options when you click on the menu button on your phone. Unlike the iPhone which has the menu shown at all times, with Android you have to click on the menu button on your phone to show the menu items.
Why am I unable to login using my Blackberry phone?
Please check the settings on your Blackberry phone to ensure it is enabled to browse Secure/SSL sites.
I cannot connect to Mobile Banking with my business BlackBerry.
You must be logged in to the BlackBerry Enterprise Server that your phone subscribes to in order to be able to access the Internet on your phone.
My BlackBerry is not letting me download the BlackBerry shortcut on my business BlackBerry.
There may be permissions issues with the BlackBerry Enterprise Server that need to be modified. Please contact your BlackBerry Enterprise Server administrator to resolve.
When I attempt to go to m.fafcu.org, I get an error message, "Access Denied: Insecure SSL Request".
When clicking on More Info, you may also receive the following message:
"Your MDS has been configured to deny SSL requests to servers that have certificates which are untrusted or expired. Try using Device Side SSL which can be modified in your TLS Options. Contact your system administrator with any questions."
If you receive these messages, change your Blackberry Options settings as follows: Select Options, then TLS; under the TLS Default, select Change Option to "Handheld," not "Proxy."
