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Mobile Banking
Mobile Banking is a way to access your bank accounts with your mobile phone. It's similar to Online Banking with added customization for use on a phone. MidCountry Bank offers you three ways to use Mobile Banking.
- Text banking allows you access to your account balances, transaction history and find a branch or ATM with the convenience of text messaging.
- Mobile website allows you access to your favorite online banking services such as account balances, transaction history, transfers and bill payments with internet access.
- The app is a downloadable application that provides the same features as the mobile website and mobile deposit but with one-touch access and a view that is customized for your specific device.
Mobile Deposit is a service that is available with the mobile app. With Mobile Deposit you can take a picture of a check to make a deposit! Simply open the app, click Deposits and follow the instructions!
Text banking allows you to request your balance or transaction history by sending a text message request. You may also find the nearest ATM or branch with a text message request.
After you are enrolled, simply text any of the following commands to 99588 to receive a response with the information requested.
Text Banking
Receive a ResponseBAL BAL Account Balance(s) HIST + texting nickname HIST S1 Transaction History ATM + address or zip code ATM 55345 Closest ATM locations BRANCH + address or zip code Branch 55345 Closest Branch locations The mobile website is a convenient version of your traditional online banking account.
You can easily move between screens to complete the requests below:
- View accounts including balances and transaction history.
- Make transfers between savings, checking and loan accounts; the same transfers available in online banking.
- Pay bills or change/cancel any pending payments.
- Find ATMs and branches that are closest to your location.
The downloadable application offers all the same features as the mobile website and mobile deposit but is customized for use on your mobile phone device which allows for one touch access.
You can easily move between screens to complete the below requests:
- View accounts including balances and transaction history.
- Make transfers between savings, checking and loan accounts; the same transfers available in Online Banking.
- Pay bills or change/cancel any pending payments.
- Pay people with Popmoney.
- Deposit checks.
- Find ATMs and branches that are closest to your location.
You only need an open MidCountry Bank account and a phone that supports at least text messaging.
- Login to, or enroll for, Online Banking
- Click on the Personal Settings option
- Click the Manage Device(s) button
Or
- Download the App from the Apple App Store or Google Play Store by searching for MidCountry Bank.
Yes! Each phone can enroll for 1, 2 or all 3 of the options available. It is recommended that all smartphone users sign up for all 3.
It is the nickname that identifies the account in a text message. When requesting your transaction history you will use this texting nickname. Each account should have a unique nickname assigned.
You may leave the default numbers or assign a personal nickname. To find/change your nickname, go to your personal setting under Manage Device(s).
For best results it is recommended that pictures are taken in high light and against a background of contrast. Be sure to fill up the entire box with the image and to hold the phone at a straight angle over the check.
Many checks can be deposited with Mobile Deposit but there are some that can not. Checks greater than $2,500 can only be deposited at a branch or ATM. You also may not deposit more than a total of $2,500 in checks in any one business day using Mobile Deposit. Checks that are an abnormal size or layout and check types that are more susceptible to fraud may not be able to be deposited with Mobile Deposit.
Checks deposited prior to 4:00pm CST will be processed that business day and available for withdrawal the next business day. Items deposited after this cut off time will be processed the next business day for availability the following business day.
Several options can be changed at any time.
My Devices
- Change my phone number
- Change my Mobile Banking services
- Add or remove text messaging, the mobile website, or the app
- Stop using this phone for Mobile Banking
- Download the application
- Get a link to the Mobile Banking website
- Add a new phone
My Accounts
- Add or remove accounts from Mobile Banking
- Change texting nicknames
My Profile
- Change your time zone
To make any changes simply log into your Online Banking account. Under Personal Settings, select the Manage Device(s) button under the Mobile Banking Profile banner, or select Add Device.
First, make sure that you are enrolled for Mobile Banking. Enrolling in Mobile Banking will provide you an optimized view for your mobile phone screen.
If you are enrolled in Mobile Banking, check your browser settings on your phone and be sure it is set to mobile. Some phones default to the browser setting which will cause a small display.
You may enter a 5 digit zip code or the street, city and state. To enter a street, city and state use the below formatting.
Street Number and Name, City, State
123 Main St, Minnetonka, MNNo, it is an added security measure to not allow this service in Mobile Banking. Payees can be added in Online Banking.
The same accounts that are available through Online Banking can be accessed in Mobile Banking.
There are several security measures incorporated into Mobile Banking; a few of the key items are listed below.
- Mobile Banking requires a password and multi-factor authentication as is used with Online Banking.
- You can only access your account from the mobile number you have enrolled. If the phone is lost or stolen the device can be suspended and unregistered if it's not recovered, both can be done by contacting us; see terms and conditions for additional details.
- Security technologies such as 128 bit SSL encryption and cache controls are utilized.
In addition we recommend you take the below standard security measures:
- Properly secure account information and do not share any passwords or other account access information.
- Do not store password information on the mobile device, for example in a notes section.
- Use a strong PIN to lock the mobile device.
A STOP request in text banking will stop any automated alerts which is a future functionality. You will still be able to inquire for balances, history, branches or ATMs.
To un-enroll in this service access your mobile options under Personal Settings in Online Banking. You may also contact us at 1-877-874-7376 or at CustomerCareCenter at MidCountryBank dot com.
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