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!
Details in the tab below!
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- 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.
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.
- 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
- Multi-State Information Sharing and Analysis Center
- Tips for safe use of geo-location apps
- National Cyber Security Alliance
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 email@example.com.
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, plush 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.
- Apple Pay™
You can soon use your Two Rivers Bank & Trust debit and credit cards with Apple Pay™, the easy, secure and private way to pay.
Use Apple Pay with iPhone® 6 to pay in stores without swiping your cards and in apps without entering payment and contact information. Just pay with a single touch of your finger using Touch ID™.
With Apple Pay, instead of using your actual debit and credit card numbers when you add your card, a unique Device Account Number is assigned, encrypted and securely stored. And when you make a purchase, the Device Account Number alongside a transaction-specific dynamic security code is used to process your payment. So your actual debit or credit card numbers are never shared by Apple® with merchants or transmitted with payment.
In addition, paying with Apple Pay is private as the cashier never sees your name, card numbers, or security code.
For further questions as this new capability is rolled out, please contact us!
Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.
Manage your money YOUR way – at your fingertips, easy and convenient with our mobile banking app.
|Smartphone Apps |
iPhone, Android, Blackberry
|Mobile Web |
Web browser based features
|Mobile Text |
For all text enabled phones