Mobile Banking FAQs

The following are intended to answer common questions regarding our Mobile Banking system. If you have any additional questions please contact us at (866) 499-1150.

Click on a FAQ category below, and then click on each question to get the answer.

General FAQs

What is Mobile Banking?
Mobile Banking allows you to perform everyday banking functions using a mobile device. For example, you can access your account balances and review your most recent account activity without being tied to a computer.
Is there a fee for using Mobile Banking?
No. First American Bank does not charge a fee for using Mobile Banking. You may, however, incur normal text transmission or data usage charges from your wireless carrier for the use of text messages or Internet browsing on your mobile device. Message and data rates may apply. If you don't have one already, please contact your wireless carrier about signing up for a text or data service plan.
Is Mobile Banking secure?
First American Bank is very concerned about the safety and privacy of your information and is committed to security. To ensure the security of your account information, a number of security features have been built into the Mobile Banking services:
  • Registration Process - A unique Confirmation PIN is required to verify your mobile device's phone number, and verify that you are the one in control of your mobile device. This PIN associates your mobile device's phone number with your account.
  • No Identifiable Information - Texts or Alerts from First American Bank never include any personally identifiable information, such as your full account number, email address or mobile number. Your Login ID and Password will never be included in any of the text messages or alerts you receive from First American Bank.
  • Secure Login - Mobile Banking via Mobile Web and Mobile Application require secure login for access. No one is able to access your account information without knowing your unique Login ID and Password.
  • Data Encryption- For your protection, only limited information such as your account nicknames and cached balances is stored locally on your mobile device. All of your account data resides at First American Bank - just as with Online Banking. All data placed into local storage on the mobile device is encrypted. This ensures that if the mobile device is lost or stolen the data stored by the mobile application in local storage is unreadable.
For more information on Mobile Banking security, please see the Security FAQs.
What are the services offered as part of Mobile Banking?
Mobile Banking consists of four separate - but complimentary - services:
  • Mobile Banking via Text/SMS Message: Mobile Text/SMS Banking gives you the ability to send certain text message commands to FABANK (322265) to obtain account balances, view account transaction history or perform account transfers.
  • Mobile Banking via Mobile Web: Mobile Web is an online website that is accessed through your mobile device, and is optimized for mobile device viewing. It contains all the features available in online banking, just formatted for viewing on a small screen. It allows you to sign on to a mobile device version of First American Bank's Mobile Banking to enable you to take part of many of the features available through Online Banking today, including: view account balances, account transactions, and transfer funds.
  • Mobile Banking via Mobile Application: A Mobile App is an application that gets downloaded to your mobile device, providing a unique experience designed for Smartphones such as the iPhone®. It allows you to sign on to a mobile device version of First American Bank's Mobile Banking to enable you to take part of many of the features available through Online Banking today, including: view account balances, account transactions, and transfer funds.
  • Mobile Alerts: Enables you to have automatic message account alerts delivered securely to your mobile device and to your email. 
Do I have to agree to the Terms and Conditions to participate in Mobile Banking?
Yes, you must read and accept Mobile Banking Terms and Conditions to use First American Bank's Mobile Banking service.
What do I need to be eligible for activate Mobile Banking?
You will need a personal checking, savings, or loan account to activate the service and a mobile device with the ability to send and receive text messages for Mobile Text/SMS Banking & Alerts, or a data service plan to use Mobile Web and Mobile App Banking. You will also need to be enrolled in Online Banking. If you're not already enrolled in Online Banking, click here to enroll.
How do I know if my mobile device supports text messages?
The majority of all mobile devices in the U.S now support text messages, so the chances are good that your mobile device is capable of sending and receiving messages. To find out for certain, try looking under the messaging options menu on your mobile device, or contact your mobile service provider.
Will First American Bank's Mobile Text/SMS Banking & Alerts work on my mobile device?
Yes, our service will work, provided your phone has the ability to send and receive text messages, and that you subscribe to a carrier that supports First American Bank's Mobile Text/SMS Banking & Alerts. You may want to contact your mobile provider or service plan to make sure your mobile device is capable of sending and receiving text messages and that your carrier is included on our list of supported carriers below.
Which mobile service providers support Mobile Text/SMS Banking?
Mobile Text/SMS Banking works on all major mobile providers in the U.S. The list includes, but is not restricted to:
  • AT&T
  • Sprint
  • Nextel
  • Boost
  • Verizon Wireless
  • Virgin Mobile
  • T-Mobile
  • U.S. Cellular
  • Cincinnati Bell
  • Cricket
  • MetroPCS
Which mobile service providers DO NOT support First American Bank's Mobile Text/SMS Banking & Alerts?
If your mobile provider is not included in the list above, then chances are good that your mobile provider does not support text messages from First American Bank. Please note: smaller carriers may use the networks of the larger carriers that are certified. If you have questions regarding the network your carrier uses, please contact a customer support representative for your carrier.
Does Mobile Text/SMS Banking work on most pre-paid phone service plans?
The Mobile Text/SMS Banking service will work with most pre-paid phone plans; however there are some phone plans that do not support shortcodes.
The following pre-paid mobile service plans currently do not support shortcodes:
  • T-Mobile
  • Most Verizon MVNOs (e.g., MIGO)
  • TRACFONE®
How do I choose the best Mobile Banking service for me?
Use the comparison chart below to determine which mobile banking option suits you, and your mobile device, the best:

Feature

Services

Text/SMS

Mobile Web

Mobile App

View Accounts

Quickly check your checking, savings and loan account balances.

x

x

x

View Transaction History

Review previous transactions on your checking, savings, and loan accounts.

x

x

x

Transfer Funds

Simply and securely transfer funds to and from your checking, savings and loan accounts.

x

x

x

Alerts

View and edit your account Alerts preferences.

 

x

x

ATM/Branch Finder

Quickly locate an ATM or branch.

x

x

x

Preferences

Review and edit your Customer Account preferences.

 

x

x

Security

Encrypted data ensures your security.

x

x

x

Privacy

PIN access ensures your privacy.

 

x

x

 
What types of accounts can I view/use with Mobile Banking?
The following accounts are currently accessible with Mobile Banking:
  • Checking
  • Savings
  • Money Market/CDs
  • Loan
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Enrollment FAQs

What do I need to be eligible for activate Mobile Banking?
You will need a personal checking, savings, or loan account to activate the service and a mobile device with the ability to send and receive text messages for Mobile Text/SMS Banking & Alerts, or a data service plan to use Mobile Web and Mobile App Banking. You will also need to be enrolled in Online Banking. If you're not already enrolled in Online Banking, click here to enroll.
How do I enroll in Mobile Banking?
To enroll in First American Bank’s Mobile Banking, follow the instructions below:
  • Go to https://mobile.firstambank.com to log in.
  • Enter your Online Banking Login ID and select Submit.
  • You will be prompted to answer your security challenge question and select Submit.
  • Create a new Password and select Submit.
  • Read the Mobile Banking Terms and Conditions, accept them by clicking on the checkbox and then select Agree.
  • You will be prompted to register your mobile device. Enter your mobile phone number and select Register.
  • You will receive a text message on your mobile device containing a Confirmation PIN (arrival time may take up to 1 minute). Enter this code in the Enter PIN input box on the website enrollment page and select Verify.
  • After entering the PIN, you will be directed to the Accounts page where you can assign a nickname for each account, and set your default account. Once done, select Save.
  • Tip: Choose short nicknames that are easy to type on your mobile device, as you will be entering them regularly while using the Mobile Text Alerts service. (eg: CH1, CH2, SAV, etc.)
  • You can change your default account by using the links in the right column and then selecting Save at the bottom of the page. (You can edit your accounts and nicknames at any time by selecting the Accounts tab from the Preference Center Overview page.)
How soon do I have to enter the Confirmation PIN?
You have up to 24 hours to enter the Confirmation PIN in the Preference Center. After that time, your code will expire and you will need to request a new Confirmation PIN.

To request a new Confirmation PIN, you will need to re-register your mobile device. Select the Phones tab in the Preference Center, select Remove for your mobile device, and go through the confirmation process again.
I have not received the Confirmation PIN. What should I do?
If you have not received your Confirmation PIN, please make sure your mobile device’s phone number is entered correctly in the Preference Center. If it is, please follow the steps below:
  • Verify your mobile phone is turned on, has an adequate signal and is able to receive text messages.
  • Check the list of Supported Carriers for your mobile device.
  • If you didn't receive a Confirmation PIN via text message on your mobile device while registering your mobile device, use the Try Again link under the PIN input box to re-send the text Confirmation PIN.
  • Contact your mobile carrier and make sure your mobile device is not blocked from sending and receiving SMS messages to and from shortcodes. (eg: First American Bank's shortcode is 322265, which is the number you will be sending texts to).
  • Confirm that you have text messaging service with your mobile carrier.
  • If you still have not received a Confirmation PIN, you will need to re-register your mobile device. Select the Phones tab in the Preference Center, select Remove for your mobile device, and go through the confirmation process again.
  • If you still do not receive the Confirmation PIN, please contact us at 847-952-3700 during the business hours of 8:00 a.m. to 6:00 p.m. Central Time Monday through Friday (excluding federal holidays) or Saturday 8:00 a.m. to 1:00 p.m. Central Time.
What are Account Nicknames?
You are required to create your own unique account nicknames when activating your accounts to protect your private information. Each mobile account nickname must be unique, containing one to eight characters. The first character must be a letter. Additional characters can include letters or numbers, but not spaces or special characters.

Tip: Choose short nicknames that are easy to type on your mobile device, as you will be entering them regularly while using the Mobile Text Alerts service. (eg: CH1, CH2, CC, SAV, etc.)

Your mobile account nicknames will not replace the account names or nicknames defined in Online Banking.

Text/SMS FAQs

What is Mobile Text/SMS Banking?
Mobile Text/SMS Banking enables you to retrieve information and manage your bank accounts from a mobile device through text messaging (sometimes called SMS). If you already bank online, it is another way of accessing your account balances and reviewing your most recent account activity, without being tied to your desktop.
What are text messages?
Text messages (also known as SMS messages) are ways for users of cellular telephones and other mobile devices to exchange brief messages through cellular (or mobile) networks.
What does SMS stand for?
SMS stands for Short Messaging Service. It is also known as text messaging. This is a service available on most mobile devices allowing users to send and receive text-only messages.
What are the limitations to text messages?
In the U.S., text messages are limited to 160-characters, must consist of only numbers, letters, and special characters, and cannot contain images, rich text (such as bold, underlined text, etc.), or other content or formats.
What is a shortcode?
Shortcodes are special telephone numbers, usually five or six digits long, which are used to send and receive text messages from mobile phones within the U.S. You can think of a shortcode as a web address for your cell phone - using six digits instead of a URL such as www.FirstAmBank.com. They are often used for services such as television voting, ordering ring tones, charity donations and mobile services.

More specifically, please refer to the following graphic that represents the translation of letters to numbers for shortcodes: FABANK or 322265 is First American Bank's shortcode for communicating with you via a text message.
I have a prepaid plan. Can I use Mobile Text/SMS Banking?
Mobile Text/SMS Banking will work with most prepaid plans, but we cannot guarantee that your carrier supports the six-digit U.S. shortcode First American Bank (322265). T-Mobile prepaid does not support shortcodes so you won’t be able to use Mobile Text Banking & Alerts with T-Mobile prepaid.
Who do I contact if I need help with Mobile Text/SMS Banking?
Text the word HELP to First American Bank (322265). We will send you a help message in a minute or so. Or, visit www.FirstAmBank.com to get an in-depth look at how to use the service.
I have disconnected my mobile device or changed carriers. Will my Mobile Text/SMS Banking service continue to work?
Carriers do not always immediately report disconnected numbers, so your mobile device may continue to work for a short time after disconnection. As a security precaution, you should sign on to First American Bank's Mobile Preference Center, verify that your disconnected mobile device has been disabled, and activate your new mobile device.
How do I activate my mobile device for Text/SMS Alerts?
To enroll in Mobile Text Alerts, follow the instructions below:
  • Log in to the Preference Center.
  • Read the Mobile Banking Terms and Conditions, accept them by clicking on the checkbox and then select Continue.
  • You will be prompted to Enable the accounts you would like to receive Mobile Text Alerts for, assign a nickname for each account, and then select Save.
  • Tip: Choose short nicknames that are easy to type on your mobile device, as you will be entering them regularly while using the Mobile Text Alerts service. (eg: CH1, CH2, SAV, etc.)
  • You can change your default account by using the links in the right column and then selecting Save at the bottom of the page. (You can edit your accounts and nicknames at any time by selecting the Accounts tab from the Preference Center Overview page.)
  • Select the Phones tab from the Preference Center Overview page.
  • Click the Add Phone Number button and enter your mobile phone number and select Register.
  • You will receive a text message on your mobile device containing a Confirmation PIN (arrival time may take up to 1 minute). Enter this PIN in the Enter PIN input box of the website enrollment page and select Confirm.
  • After entering the Confirmation PIN, you will be automatically be redirected to the Phones page and you will see your mobile device number in the Phone Number List.
How soon do I have to enter the confirmation PIN?
You have up to 24 hours to enter the Confirmation PIN in the Preference Center. After that time, your PIN will expire and you will need to request a new Confirmation PIN.
To request a new confirmation PIN, you will need to re-register your mobile device. Select the Phones tab in the Preference Center, select Remove for your mobile device, and go through the verification process again.
I have not received the confirmation PIN. What should I do?
If you have not received your confirmation PIN, please make sure your mobile device’s phone number is entered correctly in the Preference Center. If it is, please follow the steps below:
  • Verify your mobile phone is turned on, has an adequate signal and is able to receive text messages.
  • Check the list of Supported Carriers for your mobile device.
  • If you didn't receive a confirmation PIN via text message on your mobile device while registering your mobile device, use the Try Again link under the PIN input box to re-send the text Confirmation PIN.
  • Contact your mobile carrier and make sure your mobile device is not blocked from sending and receiving SMS messages to and from shortcodes. (eg: First American Bank's shortcode is 322265, which is the number you will be sending texts to).
  • Confirm that you have text messaging service with your mobile carrier.
  • If you still have not received a confirmation PIN, you will need to re-register your mobile device. Select the Phones tab in the Preference Center, select Remove for your mobile device, and go through the confirmation process again.
  • If you still do not receive the confirmation PIN, please contact us at 847-952-3700 during the business hours of 8:00 a.m. to 6:00 p.m. Central Time Monday through Friday (excluding federal holidays) or Saturday 8:00 a.m. to 1:00 p.m. Central Time.
What are Account Nicknames?
You are required to create your own unique account nicknames when activating your accounts to protect your private information. Each mobile account nickname must be unique, contain one to eight characters, and can include letters or numbers, but not spaces or special characters.
Tip: Choose short nicknames that are easy to type on your mobile device, as you will be entering them regularly while using the Mobile Text Alerts service. (eg: CH1, CH2, CC, SAV, etc.)
Your mobile account nicknames will not replace the account names or nicknames defined in Online Banking.
How do I add another mobile device?
To add another mobile device, follow the instructions below:
  • Select the Phones tab from the Preference Center Overview page.
  • Click the Add Phone Number button, enter your mobile device number and select Register.
  • You will receive a text message on your mobile device containing a Confirmation PIN (arrival time may take up to 1 minute). Enter this PIN in the Enter PIN box on the website enrollment page and select Confirm.
  • After entering the confirmation PIN, you will be automatically redirected to the Phones page and you will see your new mobile device number in the Phone Number List.
Where do I send my account inquiries?
Send your text message to First American Bank (322265).
Note: Add First American Bank (322265) to your contact list for easy access.
How long does it take to get a response message via Mobile Text/SMS Banking?
You will usually receive a text message response within a minute. Exact timing will depend on your mobile service provider. If you have not received a message within 5 minutes, please re-try your text command.
Is Mobile Text/SMS Banking case-sensitive?
No. Whether you type “BAL” or “bal,” we will send your account balance to you via text message.
Here is a list of shortcuts for First American Bank's Mobile Text/SMS Banking:
  • BAL– Receive account balances. (Note: Available Balance for deposit accounts is the balance of funds available for withdrawal or transfer excluding any overdraft protection products you may have; certain pending transactions, such as deposits that contain checks, may not be immediately available and wouldn’t be included in the available balance.)
  • BAL [nickname]– Receive the available balance of the nicknamed account
  • LAST– Returns a list of your most recent transactions posted
  • LAST [nickname]– Returns the most recent transactions for that account
  • TRA[from acct nickname 1] [to acct nickname 2] [amount] – Transfers funds between two accounts
  • ATM [zip]– Returns a list of First American Bank ATM’s nearby
  • BRANCH [zip]– Returns a list of First American Bank Branches nearby
  • TIME ZONE– Change the time zone profile
  • GO– Access Mobile Web Banking via a text message
  • MENU - List of available commands
  • HELP– General information and the First American Bank's Customer Service number
  • STOP– Unsubscribe from mobile alerts
How should I format text messages I send to First American Bank?
Quick Tips:
  • Avoid using a signature: Many phones have the capability of attaching a signature to your outgoing text messages, similar to a signature you may have attached to your outgoing e-mail. In order to receive reliable results, you must remove the signature from messages you send us.
  • Avoid replying to a previous First American Bank text message: Unless the message you received specifically instructs you to “Reply with a response”, always send a new message to First American Bank. Replying to any previous text messages may include additional text that isn’t visible to you when you write the text message but will make it unreadable to us. To get the best results, always send new messages to First American Bank (322265), unless specifically prompted to do otherwise.
What does it mean when I see “1/2” on my screen?
“1/2” means you are reading the first message in a series of two messages. We label this as “1/2” to ensure you will read your text messages in the correct order.
Why are the text messages from First American Bank out of order when I go to read them?
First American Bank sends messages back to you in the order that they are intended to be read, and we will always clearly indicate which messages they are (“1/2” or “3/3,” for example). Unfortunately, depending on your mobile provider, messages sometimes get mixed up on the way to your phone.
My results were sent as multiple messages. Some messages arrived first. Why did it take so much longer for the others to arrive?
Depending on your mobile provider, it may take a while for messages to get delivered. If you receive one message, it means we’ve sent all the messages to you and you should receive them shortly. It may take a few minutes for you to receive them all. If after a few minutes you still haven’t received all your messages, please let us know. If the problem persists, you may want to contact your mobile provider.
Why are my results sent as multiple messages?
Each response you receive from First American Bank may vary in size because all text messages are limited to 160-characters. Sometimes we can’t send all of your account information in one message because it exceeds the 160-character limit. In this case, we will send your account information over multiple messages — no more than five at a time.
Can I see all of the results in a single message?
You can narrow down your results by creating nicknames for each account on file. Please use these nicknames to cut down on the length of each resulting message.
What is the maximum number of results I can receive for each inquiry?
You can receive up to five results per inquiry.
I set up Mobile Banking, and I have text messaging enabled on my mobile phone. Why can’t I receive text messages from First American Bank on my mobile phone?
You may already have text messages enabled on your mobile phone, but the use of shortcodes may be blocked by your mobile phone service provider, or per your request. You must have shortcodes enabled to use First American Bank's Mobile Text/SMS Banking. Please contact your mobile phone service provider to ensure they aren’t blocking the use of shortcodes, and that your carrier supports the use of shortcodes.
Note: Your mobile phone service provider may need to correct any issues before you can use First American Bank's Text Message Banking & Alerts. Please confirm your service options with your mobile phone service provider before you contact our Customer Service.

Alert FAQs

What are Mobile Text Alerts?
Mobile Text Alerts are notices that you set up to automatically alert you when select activity occurs on your accounts. Mobile Text Alerts are sent directly to your mobile device and are an easy, effective way to keep track of your account activity and to monitor your accounts for fraudulent transactions.

Mobile Text Alerts can be activated when you use First American Bank Mobile Banking via Text/SMS, Mobile Web or SmartClient Application.
What is the difference between Mobile Text Alerts and Mobile Text Banking?
  • Mobile Text Alerts are automatic notices sent by First American Bank directly to your mobile device, which contain important information about your registered account(s). You define which alerts you want to see and when you want to be notified. And, you can customize the email addresses and mobile phones so that any alert is sent to more than one device.
  • Mobile Text Banking allows you to request information such as your account balance and recent transactions on selected accounts at any time from your mobile device. Your information will be securely returned to your mobile device.
How do Mobile Text Alerts and Mobile Text Banking work together?
A Mobile Text Alert can notify you of current activity in your account and you can then react to that alert using a Mobile Banking text command to request account additional information or transfer money between accounts.

For example, if you receive a Low Balance alert via a Text/SMS message to your mobile device, you can send a BAL ALL text message to First American Bank (322265) for a listing of your account balances and then send a TRA text message to transfer money from one of your eligible accounts to the account with the low balance.

For more information on how Mobile Text Banking works, please see the FAQ for Text/SMS FAQs.
What Alerts are available for my accounts?
The following Alerts are automatically available to you:

Customer Alert

Action

Login ID Disabled

Notify me when my Mobile Banking Login ID is disabled due to failed attempts to log in.

Login ID Enabled

Notify me when my Mobile Banking Login ID has been enabled so I can regain access to my account.

Login ID Changed

Notify me when my Mobile Banking Login ID has been changed.

Password Changed

Notify me when my Mobile Banking Password has been changed.

Debit Card Ordered

Notify me when a new debit card has been ordered.

Contact Information Changed

Notify me when my contact information has changed.

Account Alert

Action

Checking

Savings

Money Market

Transaction Verification

When there are any suspicious transactions made on the account.

x

x

x

Low Balance

When the balance in the account is below your requested limit.

x

x

x

Overdraft Notice

When your account is overdrawn.

x

x

x

Deposit Confirmation

When a deposit is made to the account.

 

x

x

ATM Withdrawal Confirmation

When an ATM withdrawal is made from the account.

x

x

x

Card Transaction Confirmation

When a card transaction is made from the account.

 

x

x

Check Confirmation

When check is cleared from the account.

x

x

x

Withdrawal Confirmation

When any withdrawal is made from the account. (excluded ATM and card transactions)

x

x

x

Statement Notice When the statement is available for the account. x x x
Why are my results sent as multiple messages?
Each response you receive from First American Bank may vary in size because all text messages are limited to 160-characters. Sometimes we can't send all of your account information in one message because it exceeds the 160-character limit. In this case, we will send your account information over multiple messages — no more than five at a time.
Can I see all of the results in a single message?
You can narrow down your results by creating nicknames for each account on file. Please use these nicknames to cut down on the length of each resulting message.
What is the difference between a Customer Alert and an Account Alert?
  • Each response you receive from First American Bank may vary in size because all text messages are limited to 160-characters. Sometimes we can't send all of your account information in one message because it exceeds the 160-character limit. In this case, we will send your account information over multiple messages — no more than five at a time.
  • Account Alerts keep you informed of activity within your individual accounts, such as deposits or withdrawals.
How do I activate my mobile device?
To enroll in Mobile Text Alerts, follow the instructions below:
  • Log in to the Preference Center.
  • Read the Mobile Banking Terms and Conditions, accept them by clicking on the checkbox and then select Continue.
  • You will be prompted to Enable the accounts you would like to receive Mobile Text Alerts for, assign a nickname for each account, and then select Save.
  • You can change your default account by using the links in the right column and then selecting Save at the bottom of the page. (You can edit your accounts and nicknames at any time by selecting the Accounts tab from the Preference Center Overview page.)
  • Select the Phones tab from the Preference Center Overview page.
  • Click the Add Phone Number button and enter your mobile phone number and select Register.
  • You will receive a text message on your mobile device containing a Confirmation PIN (arrival time may take up to 1 minute). Enter this PIN in the Enter PIN input box on the website enrollment page and select Verify.
  • After entering the confirmation PIN, you will be automatically be redirected to the Phones page and you will see your mobile device number in the Phone Number List.
How soon do I have to enter the confirmation PIN?
Once you have initiated the enrollment process, you have up to 24 hours to enter the confirmation PIN in the Preference Center. After that time, your PIN will expire and you will need to request a new confirmation PIN.

To request a new confirmation PIN, you will need to re-register your mobile device. Select the Phones tab in the Preference Center, select Remove for your mobile device, and go through the verification process again.
I have not received the confirmation PIN. What should I do?
If you have not received your confirmation PIN, please make sure your mobile device’s phone number is entered correctly in the Preference Center. If it is, please follow the steps below:
  • Verify your mobile phone is turned on, has an adequate signal and is able to receive text messages.
  • Check the list of Supported Carriers for your mobile device.
  • If you didn’t receive a confirmation PIN via text message on your mobile device while registering your mobile device, use the Try Again link under the PIN input box to re-send the text confirmation PIN.
  • Contact your mobile carrier and make sure your mobile device is not blocked from sending and receiving SMS messages to and from shortcodes. (eg: First American Bank's shortcode is (322265), which is the number you will be sending texts to).
  • Confirm that you have text messaging service with your mobile carrier.
  • If you still have not received a confirmation PIN, you will need to re-register your mobile device. Select the Phones tab in the Preference Center, select Remove for your mobile device, and go through the enrollment again.
  • If you still do not receive the confirmation PIN, please call First American Bank's Customer Service at 847-952-3700 for assistance.
What are Account Nicknames?
You are required to create your own unique account nicknames when activating your accounts to protect your private information. Each mobile account nickname must be unique, contain one to eight characters, and can include letters or numbers, but not spaces or special characters.

Tip: Choose short nicknames that are easy to type on your mobile device, as you will be entering them regularly while using the Mobile Text Alerts service. (eg: CH1, CH2, CC, SAV, etc.)

Your mobile account nicknames will not replace the account names or nicknames defined in Online Banking.
How do I add another mobile device?
To add another mobile device, follow the instructions below:
  • Select the Phones tab from the Preference Center Overview page.
  • Click the Add Phone Number button, enter your mobile device number and select Register.
  • You will receive a text message on your mobile device containing a Confirmation PIN (arrival time may take up to 1 minute). Enter this PIN in the Enter PIN box on the website enrollment page and select Confirm.
  • After entering the confirmation PIN, you will be automatically redirected to the Phones page and you will see your new mobile device number in the Phone Number List.
How do I set up Customer Alerts?
Once you have activated your accounts and assigned nicknames to each account, you can set up your Customer Mobile Text Alerts.

The following alerts are set up automatically to notify you when:
  • Your Login ID has been disabled due to failed attempts to log in.
  • Your Login ID has been enabled and access has been restored.
  • Your Login ID or Password has been changed.
  • A debit card has been ordered.
  • Your contact information has been changed.
To set up Customer Mobile Text Alerts:
  • Select the Alerts tab from the Preference Center Overview page.
  • The Alert Configuration page displays all alerts available for each account you have activated. Use the tables to edit the alerts you want for each account.
  • The default view of the Alert Configuration page is for Customer alerts.
  • Click on the Alert Title to see a description of the alert, select Edit to configure the alerts you would like receive for your Customer profile.
  • Check the preferred method of notification and confirm your changes by clicking Save.
How do I set up Mobile Text Alerts for Specific Accounts?
Once you have activated your mobile device and assigned nicknames to each account, you can set up Mobile Text Alerts for Specific Accounts.

You can set up Mobile Text Alerts for Specific Accounts to notify you when:
  • There are any suspicious transactions made on the account.
  • The balance amount in the account is below your requested limit.
  • Your account is overdrawn.
  • There is a deposit on the account.
  • ATM withdrawal is made from the account.
  • A card transaction is made from the account.
  • A check is cleared for the account.
  • A withdrawal is made from the account.
  • A statement is available for your account.
To set up Mobile Text Alerts for Specific Accounts:
  • Select the Alerts tab from the Preference Center Overview page.
  • The Alert Configuration page displays all alerts available for each account you have activated, use the tables to edit the alerts you want for each account.
  • The default view of the Alert Configuration page is for Customer Alerts.
  • Use the pull down menu at the top to select the account you would like to configure your alerts for.
  • Click on the Alert title to see a description of the alert. Click Edit to configure the alerts you would like receive for each account.
  • Check the preferred method of notification and confirm your changes by clicking Save.
When are my alerts delivered?
Alerts are sent to you as soon as the alert is triggered. For example, if your Mobile Banking Login ID has been disabled you will receive an alert within a few minutes.
Can I specify when my alerts are delivered?
The Do-Not-Disturb (DND) feature allows you to set times during which First American Bank's Mobile Text Alerts system will not send any text message alerts to your mobile device. You can specify this period of time for each mobile device defined in the Preference Center. Your alerts will be saved and sent once your DND time has ended. To set up a Quiet time for Mobile Text Alerts:
  • Select the DND Settings tab from the Preference Center Overview page.
  • Use the pull down menu to select your time zone.
  • Click the New Quiet Time link to configure your new DND period.
  • Use the time menu to configure the duration of your preferred Quiet Time.
  • Select which method of contact you want to apply the Quiet Time to and select Save to confirm changes.
  • You can add multiple Quiet Time settings to each mobile device verified on your accounts.
  • You can edit your Quiet Time settings by selecting the Edit link on each configuration.
  • Your Mobile Text Alerts will automatically resume once your specified Quiet Time has lapsed.
Can I temporarily stop my alerts if I’m going on vacation?
The Do-Not-Disturb (DND) feature allows you to set times during which First American Bank's Mobile Text Alerts system will not send any text message alerts to your mobile device. Your alerts will be temporarily suspended during the specified time, and resumed once your DND time has ended. You can specify this period of time for each mobile device defined in the Preference Center. Your alerts will not be saved and sent to you after your DND time has ended. To set up a Temporary Suspend time for Mobile Text Alerts:
  • Select the DND Settings tab from the Preference Center Overview page.
  • Use the pull down menu to select your time zone.
  • Click the New Suspend link to configure your new DND period.
  • Use the date menu to configure the duration of your preferred Suspend Time.
  • Select which method of contact you want to apply the Suspend Time to and select Save to confirm changes.
  • You can add multiple Suspend Time settings to each mobile device verified on your accounts.
  • You can edit your Suspend Time settings by selecting the Edit link on each configuration.
Your Mobile Text Alerts will automatically resume once your specified Suspend Time has lapsed.
What if my mobile device is turned off when a Mobile Text Alert is sent?
Mobile carriers typically will save undelivered text messages until you turn your mobile device back on, meaning you will receive the message the next time your phone is turned on.
How can I stop receiving Mobile Text Alerts?
You can stop alerts in two ways:
  • Turn the Alert off for mobile phone contact points in the Preference Center under the Alerts tab.
  • Text STOP to First American Bank (322265) to turn off alerts.

Security FAQs

What is Mobile Banking?
Mobile Banking allows you to perform everyday banking functions using a mobile device. For example, you can access your account balances and review your most recent account activity without being tied to a computer. Since you can have your mobile device with you all the time, you can receive Mobile Alerts at any time. Used in combination, Mobile Banking and Mobile Alerts can provide enhanced service and security.
Mobile Banking can be used in two different modes:
  • Mobile Text/SMS Banking: Using Short Message Service (SMS), this service enables you to retrieve information about your bank accounts from a mobile device using text messaging.
  • Mobile Web/SmartClient Application Banking: Using your mobile device’s data connection, this service provides you with a friendlier interface and a login with password feature.
What happens to my confidential account information?
  • Mobile Text/SMS Banking does not send any confidential security information about you or your accounts, either to or from your mobile device. Similar to ATM receipts, full account numbers are never displayed. You are required to use account nicknames that don’t include any digits from your account numbers.
  • Mobile Web/SmartClient Application Banking uses encryption to keep your information secure and confidential. It does not store any confidential information on your mobile device.
What information do you store on my mobile device?
With Mobile Text/SMS Banking, the only information “stored” on your mobile device are old text messages which do not contain any confidential information, but might have old balances in them (like an ATM receipt). You may delete your messages regularly, just as you would destroy an ATM receipt. With Mobile Web/SmartClient Application Banking, there is no confidential information stored on your mobile device. You should never use your mobile device’s notepad or address book to store your login password(s)!
Is it “encrypted”? Why is that important?
Encryption scrambles the information sent to and from your mobile device to prevent the risk of a third party “listening” in and getting your information. With Mobile Text/ SMS Banking, the short answer is no, since your messages are not encrypted on the mobile device itself. That’s why Mobile Text/SMS Banking doesn’t send any confidential information to or from your mobile device, nor does it store any confidential information on your mobile device. For Mobile Web/SmartClient Application Banking, all the information sent and received is encrypted, just like when you do online banking at home.
Can I get a computer virus from Mobile Banking?
No. With Mobile Text/SMS Banking, the text message cannot be a virus. Mobile Web/SmartClient Application Banking employs special security features, including digital signing, to ensure that there has been no tampering with any “pages” sent to or from your mobile device.
Do I have to worry about fake messages trying to get my account information, i.e. phishing?
With ANY type of mobile banking service you should follow these guidelines:
  • Keep First American Bank's contact number (shortcode: FABANK or 322265) in your address book so that when you get a text message from us, you will see First American Bank’s name.
  • Make sure you know who has sent you any message – if in doubt, delete it.
  • Never click on any links if you are not sure of the sender.
  • Never send any confidential information to anyone – First American will never ask you to “go here and fill in this information” or “please send us this information.”
Is Mobile Banking more secure than my debit card or credit card?
Your mobile device can be more secure, because it is doubtful that someone will use your mobile device without you knowing about it, unlike a debit or credit card. Studies have determined that people are likely to know that their mobile device is missing in as little as 18 minutes, which means that there is very little time to use it for fraudulent purposes. In contrast, studies have shown that it can take 36 hours before a person notices that he is missing a credit or debit card.
Is Mobile Banking more secure than Online Banking?
Mobile Banking can be safer than doing online banking from a public computer, which may have software installed that could capture your login information and could be used later to commit fraud.
What happens if lose my mobile device?
As you would normally do, contact your mobile device company and they will suspend your service. Next, contact First American Bank to suspend your mobile banking service. There no confidential information stored on the mobile device that could be used by another person.
Note: You should NOT store confidential information on your mobile device at anytime. Do not store passwords or PIN numbers on your mobile device. For extra security you can enable the “LOCK” feature on your mobile device.
What if someone else tries to use my mobile banking service?
It would have to happen very quickly, since the mobile device number and your mobile access would be suspended in a short amount of time; on average, a person knows that his/her mobile device is missing within 18 minutes (its 36 hours for a debit or credit card).
There is no confidential information stored on the mobile device that could be used by another person. Moreover, your mobile device would have to be in an “unlocked” state for the other person to be able to access any information.
If you are using Mobile Text/SMS Banking AND if the other person knew where you banked AND knew First American Bank’s shortcode number, they could conceivably check your balance or transfer money from one of YOUR accounts to another of YOUR accounts (see the next item). For extra privacy, simply “lock” your mobile device and regularly delete your old text messages.
If you are using Mobile Web/SmartClient Application Banking, the other person would have to know your Login ID and Password. Never share this information with anyone. Do NOT store this information on your mobile device.
Can my friend pick up my mobile device and get my bank balance?
Maybe. If you have the number to contact First American Bank in your address book or they do Mobile Text/SMS Banking at First American, they could check your balance or transfer money from one of YOUR accounts to another of YOUR accounts. Of course, if you have alerts, your mobile device and/or a second mobile device or email would be notified of such events and you would know. NOTE: Your friend can NOT take money out of your account. In many ways it is like your friend seeing your balance on an ATM receipt in your wallet or left on a desk.
If you are using Mobile Web/SmartClient Application Banking, then your friend (or anyone else) would need to know your Login ID and Password. Do NOT store this information on your mobile device.
What if I replace my lost mobile device or upgrade to a new one?
If you lose your mobile device, you will need to contact the mobile device company and First American Bank. Your mobile device number and your mobile access will be suspended until you have your mobile device number reinstated. Then you will have to re-verify your mobile device number again.
If you simply upgrade or change your mobile device (and keep the same mobile device number) nothing needs to be done.
What happens if I change my mobile device number?
As a security precaution, you will not be able to get alerts or use Mobile Text/SMS Banking until you sign on to your mobile preferences and re-verify your mobile device number.
What happens if I change my mobile device plan?
As long as your mobile device number stays the same, no action is required.
What happens if I change carriers, but keep my mobile device number?
Your mobile device number will be disconnected by your old carrier and they will automatically notify the entire telemobile device network that your number is disconnected. This automatic process can result in your mobile banking service being blocked as a security precaution. Once you are connected with your new carrier, you will need to re-verify your mobile device number for mobile banking to work.
Do I need a special type of mobile device?
Almost every mobile device in the market today supports text messaging (SMS). For Mobile Text/SMS Banking, you might need to have text messaging enabled on your mobile device plan. For Mobile Web/SmartClient Application Banking, your mobile device would have to support web browsing, which usually requires a “data” plan as part of your service.
Will this cost me more money?
For Mobile Text/SMS Banking, it might cost you more, as some carriers charge for text messaging; you should check with your service provider. For Mobile Web/SmartClient Application Banking, you need to have a plan that supports “data”, which could cost you more. You should check with your service provider. Message and data rates may apply.
Can I use this when I am traveling and “roam” to different carriers?
Yes, but you should check to see if there are roaming charges for the type of plan you have.

 

Disclosure:
1Message and data rates may apply. Your mobile service provider may charge for sending and receiving messages on your mobile phone. Check with your service provider for details on specific fees and charges that may apply. Message frequency depends on account settings. 

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SMS/Text Commands

b, bal

Retrieve account balances

t, tra

Transfer funds

r, rtra

Recently completed transfers

a, act, l, las, h, hist

Recent transactions

ATM

ATM locations

Branch

Branch locations

Time Zone

Change the time zone profile

Go

Access mobile web banking

Menu

List of text commands

HELP

General information

STOP

Unsubscribe from mobile alerts

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