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SMS Banking FAQs

SEFCU Text Banking lets you check your balance or recent banking transactions from your mobile phone in an instant, without taking the time to log in to SEFCU OnLine. Below are the most frequently asked questions about SEFCU Text Banking.

How secure is Text Banking?

SEFCU Text Banking is secure and enrollment is completed behind the secure login of SEFCU OnLine. Text messages will never contain information about you and will never contain full account numbers.

Will I be charged for Text Banking?

SEFCU does not charge a fee for Text Banking, but standard carrier fees for text messaging may apply. Please check with your mobile phone carrier if you have questions about any text message rates that may apply.

Will Text Banking work on my phone?

If you have text messaging enabled with your mobile carrier and your carrier is supported by SEFCU, Text Banking will work on your cell phone. Please check with your mobile carrier if you are unsure.

Which carriers does SEFCU support?

SEFCU's Text Banking service works on all major mobile providers in the U.S. The following lists some, but not all, of the carriers that support this service:

o AT&T
o Alltel
o Cellular One Dobson
o Nextel
o Sprint
o T-Mobile
o Unicel
o U.S. Cellular
o Verizon Wireless
o nTelos

How do I enroll in SEFCU Text Banking?

Simply login into your SEFCU OnLine account and choose the "Additional Services" tab then select the “Mobile Banking & Alerts” option and complete the registration process.

Do I have to be enrolled in SEFCU OnLine to use SEFCU Text Banking?

Yes, SEFCU OnLine is required to use Text Banking.

How do I deactivate SEFCU Text Banking?

You can text STOP to SEFCU on your activated cell phone, or you can log in to your SEFCU OnLine account and click the "Deactivate link" on the “Mobile Banking & Alerts” page. Once deactivated, your phone will no longer receive any text messages from SEFCU via Text Banking. You can add a new mobile phone at any time if you change your mind later.

Why do I need to verify my phone?

Verifying your phone is a one‐time step and ensures the correct phone number is established.

Where do I find my activation code?

During setup you will receive 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. If you experience difficulties, we recommend that you go through the setup process again to obtain a new code.

What do I do if I still have not received my code?

It may 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 a primary Text Banking account?

Your primary account is the default share account that SEFCU will use when you text "BAL" to the short code. You should select the account you will likely want to check most often. You can get all account balances by texting "BAL ALL" to the short code. The primary account is also the account that funds can be transferred into when you use the "TRANS" (transfer) function.

Can I get the balances of my other accounts?

Yes. When you text "BAL ALL" to the short code, you will  receive a reply with a message containing the balances of all your checking, savings, and any other accounts.

Can I change the primary account selection later?

Yes. Simply return to the “Mobile Banking & Alerts” page and select another account from the primary Text Banking account drop down list.

What commands or keywords can be used?

Use any of the following commands/keywords:

o BAL = Primary account balance
o BAL ALL = All account balances
o BAL CHK = Checking account balances
o BAL SAV = Savings account balances
o LAST = Last five transactions (Primary account only) 
o TRANS $$$ = Transfer specified fund amount to primary account
o STOP = Deactivate service
o HELP = Help on keywords

Are keywords case sensitive?

No, keywords are not case sensitive. For example, you can type “help” or “HELP.”

What is the number I should use to send the keywords?

The short code is 454545. This short code will only work if you have activated the Text Banking Service.

How long does it take to get a text message?

You'll normally receive a text message response within one minute. Exact timing will depend on your mobile service provider.

Is there a password needed for SEFCU Text Banking?

You do not need a password to access your account information via text message.

I have a new mobile phone number. Can I change or add my number online?

Yes. First you need to deactivate your previous cell phone number within the mobile banking page, or text "STOP" to us. Then click "Activate" on the mobile banking page and set up the new cell phone number.

Is it possible to stop the weekly account balance notifications?

Yes. Just go to the “Notifications” page and click the weekly account balance notifications check box to deselect it, and then save your changes.

Can I get a text alert when my primary account balance falls below a certain amount?

Yes. First, go to the mobile banking page, select the low balance alert checkbox and choose a dollar amount from the drop down field (e.g., $200). Thereafter, you will receive a low balance text alert when your primary account balance falls below this specified dollar amount. Balances are checked three times a day.

Can I transfer funds into my primary account using my mobile phone?

Yes, if you have selected a “transfer source” account on the “Mobile Banking & Alerts” page. Then, for example, texting "TRANS 400" to the short code will transfer $400 to your primary account from the transfer source account. You will then receive a confirmation message with updated account balances for both accounts. Please be aware that you can only transfer funds into your primary account.

I have a joint account. Can I set up two mobile 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 page and then complete the simple two-step process.

 I have two SEFCU member numbers. Can I use Text Banking with both accounts?

Yes, you may set up more than one account with Text Banking. When texting a transfer request, you will receive a response text asking you to verify to which account you wish to make the transfer.