Mobile Banking FAQs
Easily Learn About Accessing Your Accounts From Your Phone
What is Mobile Banking?
Mobile Banking is a way to access your bank accounts with your mobile phone. It's similar to Online Banking with added customization for use on a phone. MidCountry Bank offers you three ways to use Mobile Banking.
What is Mobile Deposit?
Mobile Deposit is a service that is available with the mobile app. With Mobile Deposit you can take a picture of a check to make a deposit! Simply open the app, click Deposits and follow the instructions!
What can I do with text banking?
Text banking allows you to request your balance or transaction history by sending a text message request. You may also find the nearest ATM or branch with a text message request. After you are enrolled, simply text any of the following commands to 99588 to receive a response with the information requested.
What can I do with the mobile website?
The mobile website is a convenient version of your traditional online banking account. You can easily move between screens to complete the requests below:
What can I do with the app?
The downloadable application offers all the same features as the mobile website and mobile deposit but is customized for use on your mobile phone device which allows for one touch access. You can easily move between screens to complete the below requests:
What do I need to get started?
You only need an open MidCountry Bank account and a phone that supports at least text messaging.
How do I start?
Can I enroll in more than one service?
Yes! Each phone can enroll for 1, 2 or all 3 of the options available. It is recommended that all smartphone users sign up for all 3.
What is a texting nickname?
It is the nickname that identifies the account in a text message. When requesting your transaction history you will use this texting nickname. Each account should have a unique nickname assigned. You may leave the default numbers or assign a personal nickname. You can find/change this nickname in your personal setting under manage devices.
Why am I receiving an error when taking a picture of my check?
For best results it is recommended that pictures are taken in high light and against a background of contrast. Be sure to fill up the entire box with the image and to hold the phone at a straight angle over the check.
Can I deposit any check?
Many checks can be deposited with Mobile Deposit but there are some that can not. Checks greater than $2,500 can only be deposited at a branch or ATM. You also may not deposit more than a total of $2,500 in checks in any one business day using Mobile Deposit. Checks that are an abnormal size or layout and check types that are more susceptible to fraud may not be able to be deposited with Mobile Deposit.
Is there a cut off time to make a deposit for that day?
Checks deposited prior to 4:00pm CST will be processed that business day and available for withdrawal the next business day. Items deposited after this cut off time will be processed the next business day for availability the following business day.
What are my Mobile Banking account options and how can I change them?
Several options can be changed at any time.
To make any changes simply log into your Online Banking account. Under Personal Settings, select the Manage Device(s) button under the Mobile Banking Profile banner, or select Add Device.
Why does the image appear so small on my screen?
First, make sure that you are enrolled for Mobile Banking. Enrolling in Mobile Banking will provide you an optimized view for your mobile phone screen.
If you are enrolled in Mobile Banking, check your browser settings on your phone and be sure it is set to mobile. Some phones default to the browser setting which will cause a small display.
How should I enter an address when searching for a branch or ATM with text banking?
You may enter a 5 digit zip code or the street, city and state. To enter a street, city and state use the below formatting.
Street Number and Name, City, State
Can I add a payee in Bill Pay with Mobile Banking?
No, it is an added security measure to not allow this service in Mobile Banking. Payees can be added in Online Banking.
What accounts can I access?
The same accounts that are available through Online Banking can be accessed in Mobile Banking.
Is Mobile Banking secure?
There are several security measures incorporated into Mobile Banking; a few of the key items are listed below.
In addition we recommend you take the below standard security measures:
What does a STOP request in text banking do?
A STOP request in text banking will stop any automated alerts which is a future functionality. You will still be able to inquire for balances, history, branches or ATMs.
How do I cancel Mobile Banking?
To un-enroll in this service access your mobile options under Personal Settings in Online Banking. You may also contact us at 1-877-874-7376 or at CustomerCareCenter@MidCountryBank.com.
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