To help you understand SEFCU’s Mobile Banking service, we have developed the following Frequently Asked Questions.
What is mobile banking?
Mobile banking is a free service offered through SEFCU that enables you to perform select SEFCU OnLine banking functions remotely using your Internet-enabled mobile device, such as Wireless Application Protocal (WAP) phones, PalmOne OS device, Pocket PC device, or RIM Blackberry device.
Which mobile devices are supported by SEFCU’s mobile banking service?
You can access SEFCU’s mobile banking service from any Internet-enabled mobile device, such as WAP phones, PalmOne OS device, Pocket PC device or RIM Blackberry device.
Note: The device must have an Internet connection.
What transactions can you perform with mobile banking?
With mobile banking you can access your account information, perform transfers, pay bills, and view transaction histories on supported devices.
How do I begin using the mobile banking service?
To begin using SEFCU's mobile banking service, you must first be a registered SEFCU OnLine user. Then, simply enter https://m.sefcu.com
into the browser of your Internet-enabled wireless device and then log in using your SEFCU OnLine account number and password.
How do I know if my device is able to support mobile banking?
Contact your mobile provider to see if your device is equipped with wireless service capability. Many providers will send you a test message to verify that the service is working.
Is there a charge for the mobile banking service?
SEFCU does not charge to access your SEFCU account via the mobile banking service. However, you must have a wireless service provider and they may charge you for the minutes used while accessing your account.
What does SEFCU’s mobile home banking service include?
SEFCU’s mobile home banking includes the following SEFCU OnLine services:
- Account Summaries
- Account Transaction History
- Pay Bills
- View Pending Bill Payments
- Cancel Pending Bill Payments
- View Bill Payment Histories
What is a Web-enabled phone (WAP Phone)?
A Web-enabled phone is one that has a micro-browser built in. It is designed to access specially developed Websites right on the phone.
How do I know if my phone is a Web-enabled phone?
Most Web phone manufacturers will either say they are Web-enabled or that there is a browser built into the phone.
How do you access information using a Web-enabled phone?
Web-enabled phones use hyperlinks to access mobile Websites. You will need to input the mobile Web link into your phone by typing it in on the number/keypad.
Where do I find the hyperlink for a Web-enabled phone?
Usually the hyperlink for Web-enabled phones can be found in the summary of your profile.
Do I have to type the hyperlink address every time I want access?
Most phones allow you to save bookmarks so you don't have to type the address each time. The easiest method for setting up bookmarks is using the carrier's Website. Log in to your account on the Web and look for "Manage Device" or "Web Links" or "Bookmarks" to find a tool for inputting your URL. Using the Web and a PC is typically much easier than inputting on the WAP device directly. If there is a choice for http:// or https://, choose https:// or be sure to input it as part of the URL. You must use https:// for security reasons.
What are wireless Web minutes and is there a charge to access?
Your mobile carrier may sometimes charge a separate fee for Web access. Usually, they do this in the form of Web minutes. You must have signed up for Web access with your carrier to use this service.
What does it mean when you get a "Bad HTTP Status" or "Cannot connect to service" error when accessing an account with your WAP phone?
These and similarly worded errors will be seen when your phone is having difficulty connecting to the Internet. The cause could be a problem your service provider is having or it could be low signal strength. The exact wording of the error messages will differ slightly between telephone manufacturers and service providers, and they may be accompanied by an error code. If you get the error persistently, you should contact your wireless service provider.
How can I verify that a cell phone is a Web-enabled digital phone?
Call your wireless provider to verify that the phone is Web-enabled.
How can I verify that I have signed up for wireless Web minutes/service with my mobile carrier?
Call your mobile provider to verify that you have signed up for wireless Web minutes/service.
How can I verify that I am in a digital coverage area?
Check your phone to see if it shows you are in a digital coverage area. If you cannot tell from this, call your wireless carrier to find out the digital coverage area available to you.
What is WAP (Wireless Application Protocol)?
WAP stands for Wireless Application Protocol, a data protocol specifically designed for wireless phones. The Internet protocol that is similar in a “wired” network is HTTP which carries Web pages to your browser. In simple terms, WAP is simply a transmission protocol that carries data. WAP phones have a micro-browser that enables them to surf the Web in a limited fashion. WAP-enabled phones can view special Webpages programmed in a language called Wireless Markup Language (WML).
What is WML (Wireless Markup Language)?
WML stands for Wireless Markup Language and is very similar to although more limited than, the HTML used on the Web. The WML pages are transmitted to your digital cell phone using the wireless protocol WAP.
How does SEFCU’s mobile banking handle security?
SEFCU’s mobile banking is encrypted using the Wireless Transport Layer Security (WTLS) protocol, which provides the highest level of security available today. Additionally, all data that passes between the wireless gateway, our mobile banking partner's servers and SEFCU’s Web servers is encrypted using the Secure Socket Layer (SSL) layer.