Text Banking

How do I enroll in Text Banking?

I see my device in the “My Devices” tab, but am unable to change my Mobile Banking Service? How do I enroll in Mobile Banking/Text Banking?

Is Text Banking secure?

Will I be charged for Text Banking?

Will Text Banking work on my phone?

Which carriers do you support?

How do I deactivate the Text Message Banking?

Why do I need to verify my phone?

Where do I find my activation code?

Can I come back later to enter my activation code?

I still have not received my activation code, what do I do?

Can I get the balances of my accounts?

What commands or keywords can be used?

Are keywords case sensitive?

What is the number I should use to send the keywords?

How long does it take to get a text message?

Is there any password needed for Text Message Banking?

Can I change or add my number online?

Is it possible to set up text alerts?

Can I transfer funds to my primary account using my phone?

I share a joint account. Can I set up two phones for the same account?



How do I enroll in Text Banking?

  1. Log into Online Banking by visiting scfederal.org
  2. Click on "Mobile"
  3. Read and accept the Terms and Conditions
  4. Select "Text Messaging" from the services menu and click "Continue"
  5. Select your time zone
  6. Select the account(s) you wish to access through Mobile Banking and confirm their nicknames; click "Continue"
  7. Enter your mobile phone number; click "Continue"
  8. Enter the activation code we sent to your phone; click "Activate"

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I see my device in the "My Devices" tab, but am unable to change my Mobile Banking Service? How do I enroll in Mobile Banking/Text Banking?

Click on "Add New Device" and walk through the steps with the phone number you'd like to use for Mobile Banking/Text Banking. As a reminder, you can only set up one device per account.

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Is Text Banking secure?

Text Banking service is secure. Text messages will never contain confidential information about you or your accounts. Messages will never contain full account numbers.

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Will I be charged for Text Banking?

We won't charge you, but standard carrier fees for text messaging may apply. Please check with your mobile phone carrier if you are not sure what fees apply when you send and receive text messages.

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Will Text Banking work on my phone?

Yes, as long as you have text messaging enabled with your mobile carrier it will. Please check with your mobile carrier if you are unsure.

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Which carriers do you support?

Our Text Message Banking service works on all major mobile providers in the U.S., including the ones listed below. However, there are many more carriers that support Text Message Banking:

  • AT&T
  • Alltel
  • Cellular One Dobson
  • Nextel
  • Sprint
  • T-Mobile
  • Unicel
  • US Cellular
  • Verizon Wireless
  • Telos

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How do I deactivate the Text Message Banking?

You can text back STOP to 898265 on your activated cell phone, or you can follow these steps within Online Banking:

  • Click on "Mobile"
  • Choose "Change My Mobile Banking Services" from the drop down menu next to the corresponding device
  • Click "Go"
  • Unselect "Text Messaging" from the services menu so that there is not a check mark in the box
  • Click "Continue"

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Why do I need to verify my phone?

Verifying your phone is a one-time step and is one way we ensure the security of mobile text messaging.

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Where do I find my activation code?

During setup we will send you a text message with your activation code. If you have already submitted your mobile number during setup, please check your mobile device now. You should receive a text message with your activation code within a few minutes.

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Can I come back later to enter my activation code?

Yes you can. If you experience difficulties, we recommend that you go through the setup process again and get a new code.

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I still have not received my activation code, what do I do?

It might take several minutes to receive your code. If you feel you have waited long enough, you can click the Resend it link. Please check your mobile device shortly for a new text message. If you are still experiencing problems, be sure you entered in the correct mobile number during setup.

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Can I get the balances of my accounts?

Yes - when you text "BAL" to 898265, we will reply with a message containing the balances of all your checking, savings and any other accounts.

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What commands or keywords can be used?

Use any of the following commands/keywords:

  • BAL = Account balances
  • HIST + texting nickname (ex. HIST Checking) = Account history
  • STOP = Cancel
  • HELP = Help on keywords

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Are keywords case sensitive?

No, keywords are not case sensitive. Example: You can type "help" or "HELP."

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What is the number I should use to send the keywords?

The short code is 898265. This short code will only work if you have activated the Text Message Banking Service.

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How long does it take to get a text message?

You'll receive a text message response within a minute. Exact timing will depend on your mobile service carrier.

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Is there any password needed for Text Message Banking?

You don't need a password to access your account information via text message.

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Can I change or add my number online?

Yes. Follow these steps within Online Banking:

  1. Click on "Mobile"
  2. Click on "Change my phone number" or "Stop using this device for Mobile Banking" and click "Go"
  3. Follow the steps accordingly

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Is it possible to set up text alerts?

Yes. Just click on "Settings," then "Security and Alerts," then "Alerts." From here you can set up a variety of different alerts. If you want us to send the alerts to your mobile phone, make sure that box is selected.

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Can I transfer funds to my primary account using my phone?

You cannot transfer funds via Text Banking; however, you can transfer funds using our Mobile App.

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I share a joint account. Can I set up two phones for the same account?

No, only one phone number may be set up for one account.

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