General Mobile Banking FAQs

How do I enroll for Mobile Banking?

Logon to online to online banking at waynebank.com using any Internet connected device with a supported web browser. If not prompted to enroll go to options tab and scroll towards the bottom of the screen. You will see Mobile Banking as an option to enroll. Enrollment steps will be sent via text message to your phone. Use this link for a list of available web browsers: http://www.hostbyweb.net/securebrowser/

You can also download our app directly through the app store (iTunes, Google Play, or Amazon), just search Wayne Bank.

What services are available through Mobile Banking?

Text banking, web browser, and the downloadable application (app) are all available services. These services allow you to check balances, review recent activity, transfer money between Wayne Bank accounts, pay bills to established merchants, PopMoney (person to person payments)

Are there any fees for Mobile Banking?

Mobile banking itself is free. There may be cost for processing bill pay, PopMoney, etc. Your wireless carrier may charge fees for text messages and Internet access based upon your wireless plan.

Is Mobile Banking secure?

Yes! You are authenticated every logon by entering your password and you may be asked a security question if you are in a different location than normal. All transactions are encrypted using modern security algorithms. We do not return any identifiable information with transactions, such as texting your balance. All account information is masked once you are logged into Mobile Banking. There is no personal information stored on your phone.

How current is the account and transaction information?

When you view your account balance, you see the current available balance. When you view transaction history, you see the most recently posted transactions.

Can I add more than one device?

Yes, you can register several devices for Mobile Banking. To add a new phone, go to online banking and access the Mobile Banking pages. On the My Phones page, select Add New Phone.

What if my phone number changes?

If your mobile phone number changes, go to online banking options and access the Mobile Banking pages. On the My Phones page, find the old phone number and select the option Change my phone number.

What if my phone is lost or stolen?

If your mobile phone is lost or stolen, no one can access your account without knowing your password, and, in some cases, your unique user name and secret questions. To prevent unauthorized access to your account, you can deactivate your phone in Mobile Banking. Go to online banking options and access the Mobile Banking pages. On the My Phones page, find the phone number and select the option Stop using this phone for Mobile Banking. Or call customer service and ask to stop your Mobile Banking service.

Which phones can I use for Mobile Banking?

We support hundreds of models for these major brands: iPhone, HTC, LG, Motorola, Nokia, Pantech, Samsung, Sanyo, and Sony Ericsson. We support phones on a number of different operating systems, including (but not limited to) Android, iOS, Symbian, Windows Mobile, Linux, Palm webOS, and Maemo.

Which mobile service carriers support Mobile Banking?

Mobile Banking works on all major mobile service carriers in the U.S.: AT&T, Sprint, T Mobile®, U.S. Cellular®, and Verizon Wireless. Mobile Banking also works on a number of the smaller service carriers, including (but not limited to) Boost Mobile, Cricket Wireless, Metro PCS, Pioneer Cellular, Union Wireless, and Virgin Mobile USA.

I have a prepaid plan. Can I use Mobile Banking?

Mobile Banking works with most prepaid plans, but we cannot guarantee that your carrier supports standard U.S. short codes. T-Mobile prepaid does not support short codes so you won't be able to use the SMS text message service of Mobile Banking with T-Mobile prepaid.

How do I stop using Mobile Banking on my phone?

To stop using Mobile Banking on your phone, go to online banking options and access the Mobile Banking pages. On the My Phones page, find the phone number and select the option Stop using this phone for Mobile Banking.

Can I register multiple users to the same phone?

For security reasons, only one user can register per phone. However, once you complete the registration process, you can add more phones to your account.

Alert FAQs

What are alerts?

You can set up alerts to notify you when select activity occurs on your accounts. For example, we can send you an alert when your account balance goes below a predetermined threshold amount, such as $50. You can receive alerts on your mobile phone or at an e mail address.

What is the difference between the text messaging service and the alerts service?

The text messaging service allows you to request account balances, transaction history, and ATM and branch location information on demand from your mobile phone. We send text message responses to your phone. The alerts service sends automatic notices to your mobile phone with information about your accounts. For example, we can send you an alert when your account balance goes below a threshold amount. You choose which alerts you want, and we’ll send the alerts based on the time zone selected in your Mobile Banking profile. If you’ve registered your phone to receive alerts, you automatically have access to the text messaging service.

How do I stop receiving alerts?

To stop receiving alerts on your phone, text STOP to 96924.

Text Messaging Service Questions

What do I need to use the text messaging service?

To use Mobile Banking’s text messaging service, you must:

  • Have an online banking account.
  • Have a mobile phone that supports SMS text messaging and short codes.
  • Register for Mobile Banking and select the text messaging service.

Why are my Mobile Banking text messages coming from 96924?

You receive all Mobile Banking text messages from 96924. To make it easier to recognize our text messages, add us to your contact list with the short code 96924.

What is a short code?

A short code is a shortened version of a phone number. A short code is generally five or six numbers in length. Five-digit short codes range from 20000 to 99999; six-digit short codes range from 222222 to 899999. You can send and receive text messages from a standard U.S. short code as well as a traditional phone number.

What do you mean when you say “standard messaging charges may apply?

Every mobile service 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 will be charged to use Mobile Banking.

Where do I send my text messages?

Send all text messages to 96924.

What are the text messaging keywords and how do I use them?

Keywords are the text messages you send to request account information or ATM and branch locations.

  • Account Balance Requests Keywords: B, BAL, BALANCE, BALANCES
  • Transaction History Requests Keywords: STMT, TRAN, HIST (account nickname)
  • ATM and Branch Location Requests Keywords: ATM, BRANCH, BOTH (address)
  • Find ATMs, branch locations, or both near an address that you specify. You can enter
  • ZIP Code
  • City and ZIP Code
  • City and State
  • Street, City, and State.
  • Keywords: HELP, HLP Provides information about the Mobile Banking keywords.
  • Stop Requests
  • Keywords: STOP, END, CANCEL, UNSUBSCRIBE, STOP ALL
  • Stop receiving Mobile Banking alerts. Text:
  • STOP BNKG to cancel banking alerts.
  • STOP MKTG to cancel marketing alerts.
  • STOP ALL to stop all alerts.

Are the keywords case-sensitive?

No. Whether you type "BAL" or "bal," we send a response with your account balance information.

What does a typical request and response look like?

Balance Request: BAL
Sample Response
ABCU Mobile Banking
BAL @ 1207 14:59
*1254 CHK1 $3,849.27
*5764 CHK2 $2,555.02
*4254 SAV1 $14,116.00
Reply STOP to cancel.

What should I do if I don’t get a response to a request?

Make sure you’re sending text messages to 96924. Check the keyword and any additional information required for the request, such as the financial institution’s identifier, account nickname, or address.

Can I send a keyword via e mail?

No, keywords and text messages are not supported using e-mail. The two way feature of our text messages works only with mobile phones.

Why are my results sent as multiple messages?

Text messages are limited to 160 characters. Sometimes we can't send all your account information in one message because it exceeds the character limit. In this case, we send your account information in multiple messages — no more than five at a time.

I received my results in multiple messages. Some arrived quickly, but others didn’t. Why did it take so much longer for the others to arrive?

If you receive one message, it means we've sent all the response messages to you, and you should receive them shortly. It may take a few minutes to receive them all, depending on your mobile service. If you haven't received all your messages after a few minutes, please let us know. If the problem persists, you may want to contact your mobile service carrier.

I have text messaging enabled on my mobile phone. Why can’t I receive Mobile Banking text messages?

Your mobile service carrier may be blocking short codes, or you may have blocked short codes in your phone options. You must have short codes enabled to use Mobile Banking. (Short codes are abbreviated phone numbers, usually five digits, we use to send Mobile Banking messages.) Check your phone options and then contact your mobile service carrier to ensure they aren't blocking short codes.

Mobile Browser Service Questions

What do I need to use the mobile browser service?

To use Mobile Banking’s browser service, you must: Have an online banking account. Have a mobile phone that supports web browsing. Have a wireless data plan with your mobile service carrier. Register for Mobile Banking and select the mobile browser service. Mobile Banking is optimized for a wide range of phones – providing a rich and interactive interface on touch screen phones, such as the iPhone and Android, while maintaining a simple and clean interface for a wide range of phones from a diverse set of manufacturers such as Motorola, Nokia, Samsung, and Sanyo.

How do I access the Mobile Banking website?

During registration we send you a unique website address (URL) that is intended only for you. The website URL will only work on the phones you’ve registered in Mobile Banking. Be sure to bookmark this address in your phone’s web browser so you can easily return to it.

I can’t find my link to the Mobile Banking website. What should I do?

If you can’t find the message that we sent during registration with the unique URL for Mobile Banking, you can request another message. Go to the My Phones page in online banking options, find the phone number, and select the option Get a link to the Mobile Banking website.

When I click the link for the Mobile Banking website nothing happens. What should I do?

Every mobile phone and mobile network is different, so you may not be able to click on a link in a text message.

Try these troubleshooting tips:

  • Open the text message and click the Send or Go button on your phone to access the website URL. Then click the address to go directly to the website.
  • Open the text message and write down your unique website URL. Type the URL in your phone’s web browser to go directly to the website.
  • If you still can’t access the Mobile Banking website, please contact your mobile service carrier.
Downloadable App Service Questions (App) for smartphones and tablets

What do I need to download the Mobile Banking app?

To download the Mobile Banking application, you must: Have an online banking account. Have a mobile phone that supports downloaded applications. Have a wireless data plan with your mobile service carrier. Register for Mobile Banking and select the downloadable application service. Mobile Banking is optimized for iPhones, Android phones and many tablets. However, some carriers don’t support application downloads to certain types of phones. If you have any problems downloading Mobile Banking, check with your carrier to make sure it is supported on your phone.

How do I download Mobile Banking to my phone?

For iPhone and most other phones, you can download Mobile Banking directly to your phone. During registration we send you a link to download the application. Click the link to initiate the download. When the download is complete, you’ll go to the Login page. You’ll also see Mobile Banking on your launch page.

Or download the app directly through the app store (iTunes, Google Play, or Amazon). Just search Wayne Bank.

How do I download Mobile Banking to my iPhone?

During registration, we send you a unique link to the App Store. Click on the link to download the app.

Or download the app directly through the app store (iTunes, Google Play, or Amazon). Just search Wayne Bank.

I can’t find my link to download Mobile Banking. What should I do?

If you can’t find the message that we sent during registration with the download link for Mobile Banking, you can request another message. Go to the My Phones page in online banking options, find the phone number, and select the option Download the application.

Or download the app directly through the app store (iTunes, Google Play, or Amazon). Just search Wayne Bank.

When I click the link to download Mobile Banking nothing happens. What should I do?

Every mobile phone and mobile network is different, so you may not be able to download Mobile Banking to your phone. If you’re having trouble, contact your mobile service carrier to make sure your phone supports application downloads.

Mobile Deposit Capture (Mobile Capture) FAQs

How do I access Mobile Capture?

You will need an approved device and download our app on it. After the app is downloaded you need to request deposit access through the bank, simply call customer service. The bank approves access and the functionality is within the app.

What is an approved handheld device?

At this time the iPhone, iPad, and Android phones can be used for the Wayne Bank app.

What are the deposit limits?

Deposit limits are the same for every user. For consumer customers the per deposit limit is $1,500.00 and per day limit is $3,000.00. For non-consumers using our business app the per deposit limit is $5,000.00 and the per day limit is $10,000.00.

What are the cutoff times?

Wayne Bank makes every effort to process deposits received before 4:00 p.m. on the same business day. However, please be aware the Mobile Banking Terms and Conditions allow the bank up to two business days to process a mobile deposit.

Are there any fees for processing deposits?

This service is free!

Will the pending deposit be available in my account balance?

Your deposit will take up to two days to process (depending when it was submitted) and will not immediately be available in your account balance. We process all day and update our records in the evening. Check for your deposit the next morning.

How do I complete a deposit?

Once you are logged into the app simply tap the deposit option. Then chose new deposit, enter your deposit amount. Take a picture of the front and back of your check then submit it. The following are tips to help with the process:

  • Before logging into the Mobile Deposit app, close all other apps running in the background on your mobile phone
  • Sign/Endorse the back of your check, and label it “For Mobile Deposit Only”
  • When prompted for the amount, carefully enter the check amount to ensure it matches the amount written on your check
  • Flatten folded or crumpled checks before taking your photos
  • Keep the check within the view finder on the camera screen when capturing your photos
  • Try not to get too much of the areas surrounding the check
  • Take the photos of your check in a well-lit area
  • Place the check on solid dark background before taking the photo
  • Keep your phone flat and steady above the check when taking your photos
  • Hold the camera as square to the check as possible to reduce corner to corner skew
  • Make sure that the entire check image is visible and in focus before submitting your deposit
  • Avoid shadows across the check
  • All four corners are visible
  • Check is not blurry
  • The MICR line (numbers on the bottom of your check) is readable
Tablet app FAQs

How do I download the app on my Tablet?

Go to the Apple, Google Play, or Amazon Store and search Wayne Bank. Our app will display, simply tap the free button then install. You will need to agree to our terms and conditions.

All other app Q&A and Mobile Capture Q&A apply to tablets