Mobile Banking with Mobile Money

Powerful mobile banking features delivered to your fingertips. You're too busy to run to the bank all the time; now manage your money with virtually any mobile device. Manage your accounts without affecting your schedule. View account balances, transaction history, transfer funds between accounts, pay your bills . . .anytime, anywhere!

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Mobile Banking with Mobile Money
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Please be advised that by clicking on the links above, you are leaving Two Rivers Bank & Trust's website. Two Rivers Bank & Trust does not endorse or control the content of third party websites.

  • Mobile banking from virtually any mobile device
  • Available 24/7
  • Safe and secure
  • Check balances
  • Mobile bill pay
  • Text banking
  • Locate a nearby ATM and branch
  • View transaction details
  • Transfer money between accounts

No personal or account information is stored on your mobile phone and Two Rivers Bank & Trust will cover any unauthorized transactions*.

* We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

Contact us for more information about limitations and fees.

Security & Tips

Mobile banking with Mobile Money delivers the highest level of security available with multiple layers of identity authentication. 128-bit encryption plus a personal password and phone activation code ensures the privacy and security of your information. No personal or account information is stored on your mobile phone and Two Rivers Bank & Trust will cover any unauthorized transactions.

Security Tips

Mobile Apps: How to Use Them Safely

The use of mobile applications (apps) is increasing in parallel with the use of mobile devices. According to the information technology (IT) research company Gartner®, "Worldwide mobile application store revenue is projected to surpass $15.1 billion in 2011 … and by 2014, over 185 billion applications will have been downloaded from mobile app stores."

The continued growth of mobile apps requires a spotlight on security. The risks include access to information, such as physical location or contacts lists, as well as the ability for apps to download malware, such as keyloggers or programs that eavesdrop on telephone calls and text messages.

Hackers are quickly learning how to harvest legitimate applications and repackage them with malicious code before selling/offering them on various channels. The Institute of Electrical and Electronics Engineers (IEEE), a global technical professional association, predicts that 2012 will see an upsurge in cellphone hacking through the use of mobile applications on smartphones.

What steps can users take to minimize risk when it comes to using mobile device apps? Here are a few tips:

  • Make sure you actually need an app -- Every time you download an app, you open yourself to potential vulnerabilities. Only download those apps you deem necessary with the understanding of the risks involved.
  • Be careful about which app store you use -- If you do decide to download an app, be aware of which app store you use. App stores have different standards for which apps they will offer to the public. Some app stores require apps to be put through rigorous testing first, while other stores accept all apps.
  • Do research and check the source -- If you are downloading an app, it is wise to do research on the application itself, the sponsoring company, and/or the developer's website. Be cautious about downloading new applications, as they may contain coding bugs that have not yet been addressed. Most app markets post user reviews on the apps they offer. Look for apps that have a high number of reviews. Take time to read the app's privacy policy. Check to see if the app needs access to and will report your position via GPS, and whether it will expose your private and personal information to other users or any potential buyer of that data. You want to be aware of what apps are doing with your location and private data.
  • Password-protect your mobile device -- Your mobile device should be protected with a strong password. Make sure that the passwords are not stored in your device. Do not enable the apps to remember your password for your device, and set your device to auto-lock after a few minutes.
  • Learn how to remotely wipe your mobile device -- If your device has a remote wipe feature, you should enable it. If the device is lost or stolen, this will allow you to remotely remove all of your personal data and restore it to its factory settings.
  • Do not use public Wi-Fi when performing financial transactions -- Most mobile devices can use both wireless Internet and a mobile provider's 3G or 4G network. Use only 3G or 4G networks for any secure transactions, such as banking.
  • Be alert to changes in your mobile device's performance -- If you download an app and your device starts performing differently (for example: responding slowly to commands or draining its battery faster), this could be a sign that malicious code is present on the device.
  • Update apps -- Update all apps when notified.
  • Disable Bluetooth settings on your mobile device whenever it is not in use -- If left on, someone could potentially pair to your device and obtain information or take over your device.
  • Follow your organization's policies -- If your mobile device is provided as part of your job, be sure to follow the rules and procedures established by your organization.

Resources for More Information

If you have questions about the content of this newsletter or any general security-related questions, please contact Jeremiah Bristow, Director of Corporate and Information Security, at (800) 537-5427, ext. 4124, or

Security Tips provided by SHAZAM®

Frequently Asked Questions

What is Mobile Money?

  • Mobile Money is the ultimate on-demand mobile banking service. Access your account information 24/7 from any mobile device with either text messaging or with Mobile Web access.

What services are available with Mobile Money?

For mobile phones with texting capabilities:

  • View account balances
  • View recent transaction history

Web-enabled phones using a Mobile Browser and/or smart phones:

  • Transfer funds between Two Rivers Bank & Trust accounts
  • Make loan payments or advances
  • Pay bills, plus view and modify pending payments
  • Find the nearest branch or ATM

What type of accounts can be accessed with Mobile Money?

  • Mobile Money provides access to the same accounts that are viewable through Two Rivers Bank & Trust Online Banking, including checking and savings accounts.

Is there a cost to use Mobile Money?

  • No. Mobile Money is a FREE service for Two Rivers Bank & Trust Online Banking users.
  • Please note that standard charges from cell phone carriers may apply for text messaging and/or web access.

How do I enroll?

  • The enrollment process is easy! Simply sign up through Online Banking.

What phones are supported for Mobile Money?

  • Virtually any cell phone can use the text banking service as long as the phone is capable of sending and receiving text messages. Account balances and transaction histories are available.
  • Phones with internet access can use Mobile Browser services. No phone-based software is required beyond a compatible web browser.
  • Got a smart phone (such as an iPhone® or Android™)? The option to download a full-featured APP is available.

Does mobile banking with Mobile Money require any software to be loaded into my mobile device?

  • Only APP (application) services require software to be installed.
  • Phones using SMS text and Mobile Browser services do not require any software to be loaded.

Is Bill Pay available through Mobile Money?

  • Devices using Mobile Browser or APP services can access Bill Pay, make or schedule payments and check payment history.
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Mobile Money

Manage your money YOUR way – at your fingertips, easy and convenient with our mobile banking app.

Comparing Platforms

Smartphone Apps
iPhone, Android, Blackberry
Mobile Web
Web browser based features
Mobile Text
For all text enabled phones
Check Balances
View Transactions
Pay Bills
Transfer Funds
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