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MidWestOne Mobile Banking
Frequently Asked Questions
On the river. At the football game. In the grocery store. When you are busy, banking isn’t always convenient. MidWestOne Mobile Banking makes you more mobile than ever. Check out our Online Learning Center for interactive instructions on how to sign up for and use MidWestOne Mobile Banking. Here are answers to a few of the more frequently asked questions:
What is Mobile Banking?
MidWestOne mobile banking provides quick, secure account access from your mobile device, making it easy to:
- See current account balances
- View recent transactions
- Transfer funds between MidWestOne accounts
- Get daily alerts about balances or transactions that fall outside thresholds you set
- Find MidWestOne locations and ATMs
What does it cost?
MidWestOne Bank does not charge customers for using Mobile Banking. However, carrier message and data rates may apply. Please check with your wireless provider for information about carrier charges or your mobile phone account and service plan.
Does Mobile Banking require a special phone?
No. Our Mobile Banking will work with virtually all of today’s mobile phones and the most popular mobile phone service providers. You can use our service if:
- Your phone allows text messaging; or
- You can browse the Internet on your phone; or
- You have an iPhone ®, Android®, or BlackBerry ® mobile device
How do I activate Mobile Banking for my MidWestOne Bank accounts?
It’s easy. You will need to be a user of MidWestOne Bank Personal Online Banking. Learn more here.
What carriers will MidWestOne Mobile Banking work with?
AT&T/Cingular, Sprint, Verizon, T-Mobile, Virgin Mobile USA, US Cellular, CellSouth, nTelos, Nextel/Boost (part of Sprint), Alltel (part of Verizon), RCC (part of Verizon), Centennial and SunCom (part of T-Mobile).
Can I get account alerts on my mobile device?
Yes. Alerts can be delivered by text message instead of just email. After activating your phone, create alerts and set your phone as a contact point within online banking.
Is MidWestOne Bank Mobile Banking secure?
The MidWestOne Mobile Banking tool uses industry best practices to protect your account information. Our safeguards include:
- Authentication – You’ll be prompted to enter a username and password every time you log on.
- Encryption - 128-bit encryption is used for all transactions.
- Fraud – Our tool uses transaction validation and reconciliation processes to detect fraud.
- Availability/Resilience - We use software and server hardening measures to protect you from malicious attacks.
What happens if my access is locked?
Call us at 1-800-247-4418 or at your local MidWestOne location during business hours and we’ll unlock it after verifying it is you making the request.
I lost my phone. What do I do?
You can disable mobile banking on your device at any time from within online banking. Or call us at 1-800-247-4418 during business hours. We can either un-enroll your device or suspend the service until you confirm the phone is actually lost.
I get text messages from friends, why can’t I get your messages?
Text messages can be sent to a telephone number or to a “short code”. When you text BAL, for example, to 99588 you are texting to a short code. Some mobile service providers may block the use of short codes. Be sure your carrier is on our list and then contact them to enable short codes for your service plan.
Where can I find a list of text commands?
Simply text HELP to 99588 and you'll receive a text message with all text commands (BAL, HIST, etc.). Here are a few frequently used commands:
Send the following text messages to 99588 to get information on your accounts:
- BAL – Balance for all accounts signed up for Mobile Text Messaging
- BAL + Mobile Account Nickname (e.g., BAL chk1) – Balance for that particular account
- HIST + Mobile Account Nickname (e.g., HIST chk1) – Last 4 transactions
- MORE – Use this command immediately after a HIST command to receive the next 4 transactions
- HELP – Use this command if you forget how to use Mobile Text Messaging
- STOP – Use this command to stop Mobile Alerts
- ATM + Zip code, city or state for ATM locations (e.g., ATM 52240)
- BRANCH + Zip code, city or state for MidWestOne Bank locations (e.g., BRANCH Iowa City, IA)
Note: Text messages are not case sensitive, but you must include a space between the command and your account nickname.
How do I receive text alerts with Web mobile banking?
Register for both Web and Text mobile banking! There are no bank fees for using multiple mobile access modes, though text and data rates from your carrier may apply. Register your mobile phone as a contact point and create the alerts you want to receive.
I've registered for Mobile Banking and the Text Banking feature. But now I want to stop receiving text messages. What do I do?
Reply "Stop" to 99588 to unenroll your device for Text Messaging and Mobile Alerts.
Message and data rates may apply.
