Mobile Banking FAQ
Resources Mobile Banking FAQ

Mobile Banking FAQ

What is Mobile Banking?

Mobile banking allows anyone with an Athens Federal online account to access and manage their eligible accounts from a mobile device anytime, anywhere.

Are there any fees to use Mobile Banking? Can I be charged by my mobile phone provider when I use Mobile Banking?

Athens Federal does not charge you a fee to use or access our mobile banking service. There is also no fee to download the AFCB mobile banking app. However, if your mobile phone agreement does not include text messaging and/or a data plan, normal charges may apply. You should contact your mobile provider for information about potential fees associated with sending or receiving text messages or accessing the internet from your mobile device. There may also be fees associated with services within Mobile Banking, such as external transfers ($3 per outbound transfer; no service charge is associated with inbound or internal transfers) and mobile remote deposit ($1.50 per item deposited).

How safe and secure is Mobile Banking?

Athens Federal is committed to security and uses a combination of the latest technologies to protect data. To ensure the safety and privacy of your account information, a number of security features have been built into Athens Federal mobile banking:

Secure Registration Process: SMS verification is required to verify your mobile  phone number. When you enroll for mobile banking, you will be asked to enter an activation code that is sent via text to the mobile device being enrolled to verify the phone and complete the enrollment process.  This process associates your mobile phone number with your account. This verification also lets you know your mobile number was successfully entered into the system. 

No Identifiable Information: Athens Federal will never transmit your full account number during your mobile banking transactions. Your account number will appear truncated (or as a specified nickname) on your mobile device screen and in your mobile banking text replies.

Regulation E applies to mobile banking in the same way it applies to debit cards and online banking by limiting your responsibility for unauthorized electronic transactions to $50 if error resolution procedures are followed.

For more information about Athens Federal's online security procedures, click here (PDF).

How do I log into my Mobile Banking account if I forget my password and/or lock myself out?

If you forget your password and enter an incorrect password three times, you will be locked out of mobile banking on the mobile device you are using and any other mobile device that is connected to the account, and your online banking account (since the Access ID and password are the same for both mobile and online banking). Simply call the Deposit Operations department at Athens Federal at 423-745-1111 to unlock your account.

How do I change my Mobile account settings?

Your Athens Federal mobile account settings can be changed from your personal computer by logging on to online banking and clicking "Options" > "Mobile Settings."

Which accounts can I access?

You may access any personal account on which you are an owner and that is enrolled for online banking. If you complete enrollment and do not see an account you would like to access via your mobile device, contact your customer service representative for more information at 1-800-526-3572.

Can I enroll for Mobile Banking by downloading the app directly from the Apple or Google Play market?

No, you cannot enroll for Athens Federal mobile banking by downloading the app directly from the market. As a security measure, you must enroll for AFCB mobile banking via your online bank account and follow the instructions on the screen. Once you have properly enrolled, you may search "Athens Federal" in your market and install the app.

What does the icon for the mobile app look like?

Can I download the Mobile Banking app to my tablet?

Athens Federal Mobile Banking is available for free download in the App Store for any iPad device. All other standard tablets can operate the Athens Federal online banking site - simply type www.athensfederal.com into the tablet’s browser and log into your online banking account from the home page.

Standard data rates may apply.

I have a Blackberry or a T-Mobile prepaid phone and am unable to download the app and/or enroll for Mobile Banking.

Unfortunately, the Athens Federal is unavailable for Blackberry, T-Mobile or prepaid devices.

If there are multiple users on my account with the same online banking log in, can each user log into Mobile Banking using a different phone?

Yes, multiple people with the same online banking log in can access mobile banking using different phones if each phone is enrolled. To enroll multiple phones, log into your online banking account, click "Options" at the top of the screen and select "Mobile Settings."

Enter the phone number of the additional user(s) and follow the instructions on the screen to enroll additional devices.

If my mobile phone is lost or stolen, can my mobile account be accessed if the App is installed or if text messages regarding my account are still on my phone?

No, your AFCB mobile banking account is secure even if your mobile phone is lost or stolen because log in requires an Access ID and password. It is recommended that you password protect your phone and delete any text messages associated with your accounts after reading for additional security. Please remember that Athens Federal will never send full account numbers or other personal information through mobile banking.

If your mobile device is lost or stolen:

Report it immediately to your mobile carrier.

Immediately call Athens Federal at 423-745-1111 to delete your mobile number from your mobile settings.

My mobile number has changed. What do I need to do to keep access to Mobile Banking?

If you mobile number has changed, it is important that you update your mobile number in your mobile settings. 

Update your mobile number:

Log on to online banking, click "Options" and select "Mobile Settings."

Enter your new mobile phone number and click SUBMIT and CONFIRM.

 

 

 

What are mobile account nicknames?

Mobile account nicknames will help you easily identify each of your accounts when making text banking transactions. Determined by you during mobile banking enrollment, these nicknames can be up to eight characters in length and are used for text banking commands only. For example, if you enroll a checking and savings account, the account nicknames may be CHKG and SVG.

 

I have enrolled for Mobile Banking through my online account, but am not receiving text messages.

You may be enrolled for Web but not Text Messages in Mobile Banking.

Select "Options" > "Mobile Settings" in your Online Banking account and select "Yes" to receive mobile text alerts. This is an optional feature.

Have additional questions about Mobile Banking? Contact your customer service representative at 1-800-526-3572 or at any local branch.