Text Message Banking FAQs

What are the requirements to use CNB’s Text Message Banking?
How secure is Text Message Banking?
Will I be charged for Text Message Banking?
Will Text Message Banking work on my phone?
Which carriers do you support?
How do I activate the Text Message Banking service?
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?
Does the activation code expire?
I still have not received my code, what do I do?
What is the number I should use to send the text message command/keyword?
What command or keyword messages can I text?
Are commands/keywords case sensitive?
How long does it take to get a text message?
Is a password required for Text Message Banking?
What is a “Primary” text banking account?
Can I get the balances of my other accounts?
Can I change the primary account selection later?
Is it possible to stop the weekly account balance notifications?
Can I get text notifications whenever my primary account balance falls below a certain amount?
Can I transfer funds into my primary account using my phone?
I share a joint account. Can I set up two phones for the same primary account?
I have a new mobile phone number. Can I change or add my number online?
How do I deactivate the Text Message Banking service?
Is help available through the Text Message Banking service?

Answers

What are the requirements to use CNB’s Text Message Banking?
You must currently be enrolled in CNB Online Banking AND have a mobile device with text messaging capabilities enabled through your mobile provider.

How secure is Text Message Banking?
CNB’s Text Message Banking service will never contain confidential information about you or your accounts. Messages will never contain full account numbers.

Will I be charged for Text Message Banking?
We won’t charge you, but standard carrier fees for text messaging may apply. Please check with your mobile phone carrier if you aren't sure what fees apply when you send and receive text messages.

Will Text Message Banking work on my phone?
Yes, as long as you have text messaging-enabled with your mobile carrier. Please check with your mobile carrier if you are unsure.

Which carriers do you support?
CNB’s Text Message Banking service works on all major mobile providers in the U.S., including but not limited to:
  AT&T
  Alltel
  Cellular One Dobson
  Nextel
  Sprint
  T-Mobile
  Unicel
  US Cellular
  Verizon Wireless
  nTelos

How do I activate the Text Message Banking service?
Log into CNB’s Online Banking from a personal computer and go to the Mobile Banking & Alerts tab. Select Activate and enter your phone number when prompted. To complete activation you will receive a text message containing a validation code, which will need to be entered on the activation screen. You can activate up to two mobile phone numbers at a time. In addition, within Mobile Banking & Alerts you can also select a transfer source account and schedule alerts.

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.

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.

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.
Does the activation code expire?
The activation code will only be good for about 15 minutes. If you are unable to validate your mobile phone number within the allotted 15 minute timeframe you will have to re-register in order to receive a new code.

I still have not received my 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 the correct mobile number during setup.

What is the number I should use to send the text message command/keyword?
Send your text to 454545. This will only work if you have activated the Text Message Banking Service.

What command or keyword messages can I text?
Use any of the following commands/keywords:
  BAL = Primary account balance
  BAL ALL = All account balances
  BAL CHK = Checking account balances
  BAL SAV = Savings account balances
  LAST = Last 5 transactions
  TRANS = Transfer funds to primary account
  STOP = Deactivate service
  HELP = Help on keywords

Are commands/keywords case sensitive?
No. Commands/keywords are not case sensitive. You can type “help” or “HELP.”

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 and your current range of service.

Is a password required for Text Message Banking?
No. You don't need a password to access your account information via text message.

What is a “Primary” text banking account?
Your primary account is the default account that we will use when you text BAL to 454545. You should select the one you will likely want to check most often. You can get all account balances by texting BAL ALL to 454545.

Can I get the balances of my other accounts?
Yes. When you text BAL ALL to 454545, you will receive a reply containing the balances of all your checking, savings and any other accounts.

Can I change the primary account selection later?
Yes you can. Simply return to the Mobile Banking & Alerts page and select another account from the primary text banking account dropdown list.

Is it possible to stop the weekly account balance notifications?
Yes. Just go to the Mobile Banking & Alerts page and click the weekly account balance notifications check box to deselect this option and then save your changes.

Can I get text notifications whenever my primary account balance falls below a certain amount?
Yes. First you’ll need to go to the Mobile Banking & Alerts page, select the low balance alert checkbox and select a dollar amount from the dropdown field (current available amounts are $500, $200, $100, and $50). Thereafter, you’ll get a low balance alert text whenever your primary account balance falls below that dollar amount.

Can I transfer funds into my primary account using my phone?
Yes, but only if you have selected a “transfer source” account on the Mobile Banking & Alerts page. Then, for example, you can text TRANS 400 to 454545 to transfer $400 to your primary account from the transfer source account, and you will receive a message with updated account balances for both accounts. Please be aware that you can ONLY transfer funds to your previously selected primary account.

I share a joint account. Can I set up two phones for the same primary account?
Yes. After you set up the first number, you can select the Activate another phone link on the Mobile Banking & Alerts page and then complete the simple two-step verification process.

I have a new mobile phone number. Can I change or add my number online?
Yes. You first need to deactivate your cell phone from within the Mobile Banking & Alerts page or by texting STOP to 454545. Then click Activate on the Mobile Banking & Alerts page and set up the new cell phone number.

How do I deactivate the Text Message Banking service?
You can text STOP to 454545 on your activated cell phone, or you can access the Mobile Banking & Alerts page by logging into your Online Banking from a personal computer and clicking on the Deactivate link next to your mobile device number. A cancellation message will be sent to your mobile device and your phone will no longer receive any text messages from CNB’s Text Message Banking. You can add a new phone at any time if you change your mind later.
 
Is help available through the Text Message Banking service?
For help regarding City National Bank’s Text Message Banking Service, please text HELP to 454545 or contact client services at support@citynational.com or call 305-349-5490 (Toll Free 866-CNB-EPAY) with any questions. For help regarding your mobile device and/or text messaging capability, contact your mobile phone carrier.
 

 

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