General Questions about Mobiliti

What is Mobiliti?

Mobiliti is mobile banking; it allows anyone enrolled an Internet Banking at Healthcare Plus FCU to access their account(s) information from a mobile phone. Mobiliti offers three ways to access your accounts; subject to the access method offered by your financial institution.

  • •    Send a text message.
  • •    Use a mobile browser on your phone.
  • •    Download an application to your phone.

You can choose any or all of these options, depending on the capabilities of your mobile phone and the access method offered by your financial institution. You can also receive text alerts on your phone.

 

Text Messaging Service

You can use the text messaging service to:

  • •    Check your account balances.
  • •    Review recent account activity.
  • •    Find ATM and branch locations.

Requirements: To use the text messaging service, your phone must send and receive text messages to and from a short code. Most mobile phones are capable of sending and receiving text messages, so your phone is most likely compatible with Mobiliti. Please note that some mobile service carriers charge for outgoing text messages or for each message sent and received.

A few service carriers are blocking the Mobiliti service. If your carrier is not one of the major U.S. carriers (AT&T, Sprint, T Mobile®, U.S. Cellular®, and Verizon Wireless), you may want to check with your carrier to make sure you can use the service. All major U.S. carriers, and most secondary ones, support the Mobiliti service.

 

Mobile Browser Service

You can use the mobile browser service to:

  • •    Check your account balances.
  • •    Review recent account activity.
  • •    Transfer money between accounts.
  • •    Find ATM and branch locations.

Requirements: To use the mobile browser service, your phone must have an Internet browser and may require a data services plan. You access the Mobiliti website from a link that we send you during registration.

 

Downloadable Application

You can download the Mobiliti application to your phone. The application offers all the features of the mobile browser service.

Requirements: To download the Mobiliti application, your phone must have an operating system that supports application downloads and may require a data services plan. You download the Mobiliti application from a link that we send you during registration.

 

Alert Service

You can receive automatic alerts with information about your accounts if your financial institution supports this functionality. For example, we can send you an alert when your account balance goes below a threshold amount. You can receive alerts on your mobile phone or at - mail address.

 

Is Mobiliti secure?

To ensure the safety and privacy of your account information, we provide some key security features in Mobiliti:

Unique Activation Code—we send you a unique activation code to verify your phone number. This code associates your mobile phone with your account. This verification also lets you know your mobile phone number has been successfully registered in our system.

Authentication—you are authenticated for every interaction with Mobiliti.

Encryption—we use 128-bit encryption for all transactions.

Fraud Detection—we incorporate mechanisms such as transaction validation and transaction reconciliation processes to detect fraud.

Auditability—we provide full audit capabilities through event logs and event-based reporting.

No Identifiable Information—we don't return any personally identifiable information in a text message, such as your full account number, e-mail address, or personal address. We never ask for or include your user ID or password in any message we send.

 

Is my personal or financial information stored on my phone?

No. We don't save any files with your personal or financial information on your phone. That information stays strictly within Internet Banking at Healthcare Plus FCU at Healthcare Plus FCU.

For some phones, such as a BlackBerry, we have logo and branding files that we copy to your phone. Those files do not contain any personally identifiable information.

 

Are there fees to use Mobiliti?

You should contact your mobile service carrier for information about fees associated with sending or receiving text messages or accessing the Internet from your mobile phone.

 

Which accounts can I access in Mobiliti?

You can access any account you've set up in Internet Banking at Healthcare Plus FCU. When you register for Mobiliti, you can choose which accounts you want to access.

 

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. We don't show any pending transactions.

 

Can I add more than one mobile phone?

Yes. You can register several mobile phones for Mobiliti. To add a new phone, go to Internet Banking at Healthcare Plus FCU and access the Mobiliti pages. On the My Phones page, select Add New Phone.

 

What if my phone number changes?

If your mobile phone number changes, go to Internet Banking at Healthcare Plus FCU and access the Mobiliti 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 security code, and, in some cases, your unique user name. To prevent unauthorized access to your account, you can deactivate your phone in Internet Banking at Healthcare Plus FCU.

To deactivate Mobiliti on your phone, go to Internet Banking at Healthcare Plus FCU and access the Mobiliti pages. On the My Phones page, find the phone number and select the option Stop using this phone for Mobiliti.

 

Which phones can I use for Mobiliti?

We support hundreds of models for these major brands: iPhone, BlackBerry, 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, Blackberry, iOS, Symbian, Windows Mobile, Linux, Palm webOS, and Maemo.

 

Which mobile service carriers support Mobiliti?

Mobiliti works on all major mobile service carriers in the U.S.: AT&T, Sprint, T Mobile®, U.S. Cellular®, and Verizon Wireless. Mobiliti 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 Mobiliti?

Mobiliti 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 Mobiliti with T-Mobile prepaid.

 

How do I stop using Mobiliti on my phone?

To stop using Mobiliti on your phone, go to Internet Banking at Healthcare Plus FCU and access the Mobiliti pages. On the My Phones page, find the phone number and select the option Stop using this phone for Mobiliti.

 

More information about Mobiliti:

NCUA insured to at least $250,000