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Mobile Text Banking Questions and Answers

What is Blackhawk Bank & Trust Mobile Text?
What are Quick Codes?
What is the cost associated with Text Banking?
Do I need a smartphone or PDA to sign up for Text Banking?
How do I get started using Text Banking?
What is the difference between Mobile Web Banking and Text Banking?
Do I have to enroll for Mobile Web Banking in order to use Text Banking?
What accounts can I access with Text Banking?
What happens if I lose my mobile device?
What do I need to do if I get a new mobile device?
How many phones/phone numbers can be attached to my eCHIEF Mobile Text Banking?
Which mobile service providers support the eCHIEF Mobile Text Banking?
Should I save the bank short code in the contact list on my phone?
What if I no longer want to be a Text Banking user?
Is the information delivered through Text Banking secure?
What is SMiShing and should I know what that is?

 

What is Blackhawk Bank & Trust Mobile Text?

Mobile Text allows anyone with an eCHIEF Internet Banking account to access their accounts from a mobile device via SMS text messaging. You can:

  • Check your account balances.
  • Request a list of your most recent account activity.

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What are Quick Codes?
Quick codes are short text messages you send from your mobile device to Blackhawk Bank & Trust to request account information. You may request balance and account activity information or schedule a transfer or funds between eligible accounts.


To send a quick code, just text message one of the codes listed below to the Blackhawk Bank & Trust Mobile Text short code 96924.

  • BAL - Requests the balance of all enrolled accounts.
  • HIST - Requests a list of the most recent transactions posted to all enrolled accounts.
  • ATM + [city, state or zip]- Requests information on ATM locations.
    The correct format for the ATM + [city, state or zip] quick code is ATM + (space) + [city, state or zip].
    For example: ATM Milan will request a list of ATMs located in Milan.
  • BRANCH + [city, state or zip]- Requests information on Blackhawk Bank & Trust branch locations.
    The correct format for the Branch + [city, state or zip] quick code is Branch + (space) + [city, state or zip].
    For example: Branch 61264 will request a list of branches located in.
  • STOP- Unsubscribes your mobile device from Blackhawk Bank & Trust text messaging services.
  • HELP- Responds with the Blackhawk Bank & Trust short code (96924), a list of quick codes (Balance, History, ATM or Branch), and bank contact information.

Please Note:

Quick Code text messages can be typed in mixed lower or upper case. When you send Blackhawk Bank & Trust a quick code, make sure you send it to the Blackhawk Bank & Trust eCHIEF Mobile Text short code 96924. Although you maybe able to store this number in your mobile contacts or address book just like a regular phone number, we suggest you label it with a generic name to help protect the security of your account information.

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What is the cost associated with Text Banking?
Blackhawk Bank & Trust does not charge for the Text Banking service. Your wireless carrier may charge for using the SMS text message feature on your mobile device. Some carriers may charge additional fees to use their short code texting services.

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Do I need a smartphone or PDA to sign up for Text Banking?
No, because virtually every mobile phone/device on the market today is capable of sending and receiving SMS text messages. You simply need to have the text messaging service available through your mobile device.

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How do I get started using Text Banking?
Getting started is easy and quick. Log in to the eCHIEF Internet Banking system and select "enroll now". If you are not automatically prompted to enroll for the service you can also access enrollment by going to "User Options" then click on "Mobile Banking Profile" and selecting "Enroll Now" to begin the enrollment process. To learn more about enrollment, click here.

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What is the difference between Mobile Web Banking and Text Banking?
Mobile Web Banking provides more functionality than Text Banking. For example, with Mobile Web Banking you are able to submit transfers between accounts. Text banking only provides SMS messages that contain balance information and account history (current and previous statement transactions). In addition, eCHIEF Mobile Web Banking requires that you authenticate using your eCHIEF Internet Banking password, while Text Banking does not. You simply text the Blackhawk Bank & Trust short code 96924 and a text command to have a message sent to you with the requested information.

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Do I have to enroll for Mobile Web Banking in order to use Text Banking?
No, you can enroll for both, or just one or the other.

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What accounts can I access with Text Banking?
All accounts you are able to access through the Blackhawk Bank & Trust eCHIEF Internet Banking system are available using Text Banking. Through the Text Banking enrollment process you will choose the accounts you'd like to view and assign a nickname for each one.

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What happens if I lose my mobile device?
The information sent to you from the Blackhawk Bank & Trust Text Banking is similar to that printed on a typical ATM receipt- it cannot be used to identify you or compromise your accounts. However, if your mobile device is lost or stolen, you should call your mobile provider to cancel service on the device. Once you replace your device, if you keep the same number, Text Banking will continue to work. If you change your number, you will need to login to eCHIEF Internet Banking and go to the "User Options", "Mobile Banking Profile", "Enroll Now", "My Phones" to update your phone number. Remember with any changes such as phone numbers, accounts or nicknames, you must accept the Terms and Conditions and confirm the change, as well as text the validation code you receive to complete the change process.

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What do I need to do if I get a new mobile device?
If you are using the same phone number, no changes are needed. If you change your phone number, you will need to re-enroll your phone for text messaging. Please see the question and answer above.

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How many phones/phone numbers can be attached to my eCHIEF Mobile Text Banking?
You are able to add multiple phones to the same eCHIEF Mobile Text Messaging or App service. Simply enter the eCHIEF Internet Banking system and go to "User Options", "Mobile Banking Profile", "My Phones" and select "Add Phone". You will be prompted to complete the enrollment process for each mobile phone number. After you enroll, a verification text message will be sent to you with an activation code. You will need to enter this activation code to complete the enrollment.

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Which mobile service providers support eCHIEF Mobile Text Banking?
Participating carriers include (but are not limited to): AT&T, Sprint, T-Mobile®, U.S. Cellular®, and Verizon Wireless. Most pre-paid plans are compatible with our service, however, some plans may not support the Blackhawk Bank & Trust eCHIEF Mobile Banking. If your carrier is not on the list in this response, please check with your carrier.

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Should I save the bank short code in the contact list on my phone?
If you wish to add the bank's short code to your contact list, we advise that you use a generic name to ensure the greatest security to your bank accounts.

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What if I no longer want to be a Text Banking user?
Text to the Blackhawk Bank & Trust short code (96924) with the word STOP. This will cancel your Text Banking service.

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Is the information delivered through Text Banking secure?
Because the content of text messages are generally accessible to anyone who may have access to your mobile device, the information in the text messages you receive from Blackhawk Bank & Trust do not include any personally identifiable information. However, if you choose a nickname identifying yourself it will be visible. Your text messages will also store the balances and account history that you are requesting. For those reasons, we recommend that you delete your Text Banking messages after you have received them.

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What is SMiShing and why should I know what this is?
Hopefully you are aware of the risks of "phishing".
A derivation of phishing, SMiShing involves the use of SMS text messaging on mobile devices to collect personal information. A typical SMiShing message might advise you that your debit card has been compromised and you should call a number to ensure your account's security. In calling the number, you would likely be asked to provide your account number, date of birth or other personal information. Once you have done that, your information is in the hands of fraudsters and you are a potential victim of identity theft.
SMiShing is easy to avoid if you know what to look for. Any unsolicited text message asking you to reply with information about yourself or to call and provide information to a voice mail or live person is inherently suspect. Delete such messages without replying.

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