Mobiliti Frequently Asked Questions

 Mobiliti: Getting Started & FAQs


What is Mobiliti?
Mobiliti allows anyone with a home banking online account to access their eligible accounts from a cell phone or mobile device. You can check account balances and review recent account activity 24 hours a day, 7 days a week. Mobiliti provides three ways to access your accounts.

1) Receive SMS text service and alerts on your mobile phone.

2) Use WAP on your mobile browser.

3) Download an Application.

What kind of mobile phone is required for this service?
To use Mobiliti SMS Service & Alert Service, your mobile phone must be capable of sending and receiving text messages. Please note that some mobile phone carriers may charge additional fees for outgoing text messages or may charge for each message sent and received. Please contact your mobile carrier for further details. For WAP service, your mobile phone must support web browsing functionality.

Do I need to have a special phone to use Mobiliti?
Most mobile phones are capable of sending and receiving text messages, so your phone is most likely compatible with Mobiliti. To use WAP Service, your phone must have an internet browser, and may require a data services plan. Again, most mobile phones have this feature.

If you have questions about the capabilities of your mobile phone, please contact your mobile carrier for more information.

Will Mobiliti work on an iPad?
The device must have a phone number attached to it, so it can be registered through NetTeller.

Can Mobiliti be used overseas?
You must be using a US carrier and US phone number. As long as the member has a roaming agreement that allows coverage in that country and their plan allows the user to send and receive text messages overseas, they will be able to text the normal short code and access services.

Is Mobiliti secure?
FCFCU is very concerned with the safety and privacy of your information and is committed to protecting your information. To ensure the security of your account information, a number of security features have been built into Mobiliti:

Registration Process: The unique activation code required to verify your mobile phone number. This code associates your mobile phone number with your account. In additional to the security measures, the verification lets you know your mobile phone number was successfully entered into the system.

No Identifiable Information: No mobile banking keyword text message returns any personally identifiable information, such as your full account number. PIN, email, personal address. Your user ID and password will never be included or asked for in any of the text message that you receive from or send to FCFCU.

Are there fees to use Mobiliti?
There are no fees to use or access Mobiliti. You should contact your mobile provider for information about fees associated with sending or receiving text messages or accessing the internet from your mobile phone.

What do you mean when you say “standard messaging charges may apply”?
Every mobile carrier has a different rate plan for text messaging and data services access. You may be charged per use, or pay a flat rate for unlimited usage each month. You may also have different fees for text messaging and data services access.

Please contact your mobile carrier directly if you aren’t sure what fees you may be charged to use Mobiliti.

What accounts are eligible for Mobiliti?
All accounts that are accessible through online banking are eligible for use with Mobiliti. With the exception of shared accounts. You may choose which accounts to use with Mobiliti when registering your mobile phone through the NetTeller.

Do I have to choose between SMS messaging and WAP?
During the registration process you may choose any or all of the Mobiliti options available for your mobile phone.

What is the difference between Alert Service and SMS Service?
Alert Service - 
sends automatic notices from your Credit Union to your mobile device containing information about your registered account(s). You define which alerts you want to see and when you want to be notified.
SMS Service - allows you to request account balance and history information on selected accounts at any time from your mobile device. Your information will be returned directly to your mobile device.

If you have registered your phone to receive Alert text messages, you automatically have access to the SMS Services.

Can I add more than one mobile phone?
Additional mobile phones may be added for use with Mobiliti by accessing the My Phone tab on the Mobiliti main menu and clicking Add New Device.

What are account nicknames?
Account nicknames are abbreviated account names that protect your account information and are requested for each account. You can create your own unique account nickname or use the default nickname shown in the Mobiliti. Nickname column on the Your Details Mobiliti page. Your mobile account nicknames will not replace the account names or nicknames defined in online banking.

I received my activation code but never used it. What do I do now?
Your activation code is only good for a short period of time. The activation code must be entered into NetTeller and this site may time out. You’ll need to access the My Phone tab in the NetTeller Mobiliti main menu and select Get new activation code from the “I want to:” menu for the phone on which you wish to receive a new link.

How soon do I have to enter the activation code?
Your member will have limited time (the Web site may time out) because they must enter this code into Mobiliti activation page in NetTeller. After that time, your code will expire and you must request another code. To request a new code number, navigate to the NetTeller, Mobiliti menu, from the “I want to” menu select “Get a new Activation code” A message will be sent to the selected mobile phone containing the new activation code.

How do I de-register my mobile phone from Mobiliti?
To stop using your mobile phone with Mobiliti™, access the Mobile Phone tab on the NetTeller Mobiliti main menu and select “Stop using this phone for Mobiliti” from the I want to list for the mobile device.

What if I change my mobile phone number?
If your mobile phone number changes, you must log in to the NetTeller Mobiliti and update the phone number on the My Phones tab of the Mobiliti main menu.

What if my mobile phone is lost or stolen?
Your financial institution will never send full account numbers or other personal information via Mobiliti. If your mobile phone is lost or stolen, no one can access your account without knowing your unique user name and password. In the unfortunate event your mobile phone is either lost or stolen, report it immediately to your mobile carrier. Then you should immediately log on to NetTeller Mobiliti from your computer and delete the mobile phone number from the Mobiliti main menu. You can alternatively call your Credit Union support number to request them to delete your mobile phone from the NetTeller Mobiliti service.

How do I change my Mobiliti account settings?
Mobiliti™account settings can be changed from your personal computer on the NetTeller Mobiliti main menu. You can add or remove accounts, change account nicknames, and update your mobile phone number.

Do I have to agree to the Terms and Conditions to participate in Mobiliti?
Yes, to use Mobiliti, you must read and accept the legal terms and conditions. If you have any questions about the terms and conditions, there will be a phone number on the disclosure for you to contact your Credit Union.

Alerts FAQs


What are the Alerts on Mobiliti?
Alert Service allows anyone with an on line account to receive information about account balances and transactions. With Mobiliti you set up an alert (e-alerts) in NetTeller to notify you when a select activity occurs on your accounts. You can choose to have your alerts sent to your mobile phone.

Is it possible to only receive SMS alerts and not email?
Currently, you cannot uncheck Email alerts and just have SMS alerts. Email alerts are mandatory at this time. We do have an enhancement request in to be able to turn off Email alerts.

Do e-Alerts threshold amounts have to be set as whole dollar amounts?
The e-Alerts can be set up for .50 cents or .99 cents etc. The system will see the entire amount entered.

You notice the e-Alerts (both Email and SMS) don’t arrive in real time, but within a few hours of the posted transaction. Is this normal?
Yes, this is a normal, the job is ran on your system every 2 to 3 hours from 6:30 am to 10:30 pm Eastern Time.

How do I stop receiving alerts?
To stop receiving alerts on your mobile phone, access the Mobile Phone tab on the NetTeller Mobiliti main menu and de-select the SMS/text alerts check box for the mobile device for which you no longer wish to receive alerts. Or text “STOP” to short code



What is SMS service?
SMS service allows anyone with an online banking account to access their eligible accounts from a mobile phone via SMS text messaging. You can:

1) Check your account balance.

2) Request a list of your most recent account activity.

3)Receive online banking alerts.

What do I need to use SMS Service?
To access SMS service, you must:

1) Have an online banking account

2) Have an activated mobile phone that supports SMS text messaging.

3) Register with NetTeller Mobiliti and have at least one activated mobile phone.


Where do I send my text messages?
Send a text message containing one of the Mobiliti keywords to “Short Code” 71806

Why is my Mobiliti text message coming from 71806?
The number you send text messages to may seem like a phone number, but it’s actually something called a short code. Text message can be sent and received from these short codes in addition to traditional mobile phone numbers.

 “Short Code number” = (71806) is the short code from which you’ll receive all mobile text messages. To make it easier to recognize messages from your Credit Union you can add this “short code” to the contact list in your phone as “Credit Union” or whatever you choose.

What are the SMS messaging keywords and how do I use them?
Words you use to request your account information, after you have signed up for Mobiliti.  Each of these keywords will request an SMS text message with the information shown below:

 Balance:

BAL/BALANCE/BALANCES/B – Request the balances of all checking and savings accounts.

 Transaction History:

STMT/TRAN/HIST nickname – Request the most recent posted transactions of the account with this nickname.


The correct format for the transaction history keywords is “STMT (account) nickname”

For example “STMT sav1″ will request the transaction history of your account named “sav1″

If you do not supply an account nickname you will receive an SMS message explaining that an account nickname is needed when using the transaction history keyword.

 NEXT or MORE –

If any of the above responses concludes with “Replay NEXT or MORE. Simply text “NEXT” OR “MORE” TO (short code) to receive the remainder of the message ”

 Help

HELP/HLP – Requests a list of mobile keywords and support information.

 Stop:

STOP/END/QUIT/CANCEL/UNSUBSCRIBE – Will unsubscribe your mobile phone from receiving Alert message.

When texting “BAL” followed by a nickname, all accounts balances appear rather than just the account I requested. Why did this happen?
The “BAL” text message always shows all account balances. Nicknames are not used with the “BAL” text message; they are used with the “HIST” requests.

What should I do if I do not receive a response from a keyword I have sent?
Please confirm you are addressing new text messages or replying to a recent text message from the correct “short code”. Please verify that you are using the correct spelling of the keyword, and if you are specifying an account, you are using the correct account nickname.

How current is the account and transaction information that I receive when using Mobiliti?
You will receive the current available balance using any of the balance keywords. The transaction history keywords will send your most recent posted transaction for the requested account.

Pending transactions will not be shown.


What is WAP Service?
A secure mobile banking website you can access any time of the day. You can:

1) Check your account balances

2) Review recent account activity

3) Transfer funds between accounts.

4) Bill Pay only With CheckFree.


What do I need to use Mobiliti WAP service?
To use the WAP service, you must:

1) Have signed up for the Mobiliti service on NetTeller.

2) Have a mobile phone that supports web browsing functionality.

Is there a specific web browser our members can use to access the mobile banking platform?The web browser ID is attached to the Login of the account. There is no generic web browser.