Mobile Banking FAQ

Mobile Frequently Asked Questions (FAQ)

General

Mobile Registration | Manage Accounts Questions

Mobile Banking

Text Banking

Troubleshooting

Security

General Questions

What is Mobile Banking?

Mobile Banking gives the ability to access account information using 3 different options depending on your preference and the capabilities of your mobile device: 1) Via the browser (Mobile WEB) on your mobile device, 2) Via the Mobile downloadable application (APP) for the iPhone, Android or Blackberry, 3) Via Mobile Text Banking. Both the browser and application options allow you to: view account balances or recent account activity, transfer funds, and find the nearest ATM or branch locations. The Text Banking option allows you to obtain account balances, recent activity and perform transfers.

How much does this service cost?

YNB Mobile Banking is Free. However, there may be charges associated with text messaging and data usage on your mobile device. Check with your wireless device carrier for more information.

Is it secure?

Yes, the Mobile Banking service utilizes best practices from Online Banking, such as HTTPS, 128-bit SSL encryption, registration authentication questions, access with a User ID and Password, security authentication questions, and application time-out when your mobile device is not in use. Only the mobile devices that you personally enroll in the Mobile Banking service can access your accounts. In addition, no account data is ever stored on your mobile device. In the event your mobile device is lost or stolen, the service can be immediately disabled by either visiting the YNB Mobile Banking Center website at https://mbcat.mbankhost.com/mb21/enroll/site/enroll?ficode=osidna056 or contacting a YNB Customer Service Representative at 405-350-1335.

Which wireless carriers are supported?

We support all the popular U.S. wireless device carriers, including AT&T, Sprint, T-Mobile, and Verizon. If your mobile carrier is not listed when you enroll, select ‘Other’ and try the Mobile WEB option, or check back later, as new carriers will be added over time.

Do I need a text message or data plan with my wireless carrier?

A text messaging and/or data plan is highly recommended, as text and data usage can become expensive without them. If you do not have a data plan, please check with your wireless carrier for more information regarding these services. Please note that you are responsible for any charges incurred from your wireless provider.

Do I need to have Online Banking to use Mobile Banking?

You do not need to be an Online Banking customer to take advantage of the Mobile Banking services.

I’m enrolled for Online Banking. Can I use my Online Banking login credentials for Mobile Banking?

You must complete the Mobile Registration process and create a Mobile User ID and Password. For ease of use, if you are already enrolled in YNB Online Banking, you may choose to register with the same User ID and Password for Mobile Banking provided it has not already been selected by another Mobile Banking user.

What is Activation?

Activation is a one-time process that helps ensure your security.

After you enroll a mobile device for Text Banking on the Mobile Banking Center website at https://mbcat.mbankhost.com/mb21/enroll/site/enroll?ficode=osidna056, you will receive an activation code which will be required to begin using Text Banking on your device. We recommend you print your activation code and installation instructions for easy reference during installation.

For Mobile Web or downloadable applications, activation in Mobile Banking occurs the first time you sign on to Mobile Banking with your mobile device. You will be asked to provide your User ID and Password, answer security challenge questions and choose to select “remember this device.”

Mobile Registration | Manage Accounts Questions

What is Mobile Registration?

Mobile Registration is the process that assists in the creation of credentials for access to YNB Mobile Banking services. You will walk through a series of steps to verify your identity, select and provide answers to security challenge questions and create a User ID and Password.

How do I Register for YNB MOBILE?

Follow these three simple steps to register for YNB MOBILE services:

  1. Access the new user registration link online at https://mbcat.mbankhost.com/mb21/enroll/site/enroll?ficode=osidna056 or http://www.ynbok.mobi on your Mobile WEB browser.
  2. Answer the authentication questions presented to verify your identity.
  3. Create your security questions as well as User ID and Password.

After you have registered, you can complete the mobile device enrollment process to access the YNB Mobile Browser, downloadable application or Text Banking services. Enroll your mobile device online at https://mbcat.mbankhost.com/mb21/enroll/site/enroll?ficode=osidna056 or on your Mobile WEB browser at http://www.ynbok.mobi.

How do I change my Mobile Password or Security Questions?

Access New User Registration|Manage Account online at https://mbcat.mbankhost.com/mb21/enroll/site/enroll?ficode=osidna056. On your mobile device go to http://www.ynbok.mobi, select sign in, New User|Manage Account, Forgot User ID or Password to change your password or security questions.

What if I forget my password?

On your Mobile Sign In screen go to New User Registration|Manage Account link. Select the Forgot User ID or Password link. For your security, you must 1) verify your identity by answering the initial registration questions, 2) reset your security questions, and 3) create a new password.

What if I forget the answer(s) to my security questions

On your Mobile Sign In screen, select the New User Registration|Manage Account link. Select the Forgot User ID or Password link. For your security, you must 1) verify your identity by answering the initial registration questions, 2) reset your security questions and 3) create a new password.

What if I forget my User ID?

On your Mobile Sign In screen go to New User Registration|Manage Account link. Select the forgot User ID or Password link. For your security, you must verify your identity by 1) answering the initial registration questions, 2) reset your security questions and 3) your User ID will be presented on the Reset Password Screen. Click cancel once your User ID has been obtained or continue if you forgot your password and need to reset.

Mobile Banking Questions

How do I sign up for Mobile Banking?

All users are required to register for a User ID and Password in order to access Mobile Banking. To register and enroll from your mobile device go to http://www.ynbok.mobi on your mobile browser, click sign in and select new user registration link. Once you have registered go back to http://www.ynbok.mobi to enroll and activate your device by entering the User ID and Password created when you registered along with your security challenge question responses. You will then be required to provide your mobile device number. You will only be required to input your mobile device number during the enrollment process for any of the Mobile Banking services. Once done, you can start using Mobile Banking.

Additionally, you can register and then enroll your device online by visiting https://mbcat.mbankhost.com/mb21/enroll/site/enroll?ficode=osidna056 and following this 2 step registration and enrollment process. Then, on your mobile device, go to http://www.ynbok.mobi, enter the User ID and Password you created when you registered along with your security challenge question responses to activate and start using Mobile Banking services.

SMS Text Mobile Banking requires that you enroll your device by requesting a one-time activation code To obtain one, go to https://mbcat.mbankhost.com/mb21/enroll/site/enroll?ficode=osidna056, enroll your device and sign up for Text Banking after you have completed the registration process.

What is Mobile Registration?

Mobile Registration is a 3 step process that allows you to register for your own user Mobile Banking credentials using an internet browser. You will verify your identity, select security challenge questions and create a sign in User ID and Password.

How do I access Mobile Banking on my mobile device’s browser?

After successful enrollment, your device will receive a text message with your Mobile Banking URL. You can visit the site at any time at http://www.ynbok.mobi from your mobile device’s browser.

Does YNB have an app for my mobile device?

Yes. YNB has custom apps for the iPhone, Android, and BlackBerry devices.

Can I use Mobile Banking at any time?

Yes. Mobile Banking is available 24 hours a day, 7 days a week.

How do I optimize my mobile web experience?

For optimal experience with the YNB Mobile Service you may want to 1) Ensure your mobile device’s browser allows https:// access and has cookies and java script enabled, 2) Enable style sheets on your browser, and 3) Bookmark our Mobile Banking site http://www.ynbok.mobi .

Is Mobile Banking supported on my mobile device?

Mobile Banking is supported on most devices with a mobile web browser that supports cookies. In addition, the downloadable application is supported on most iPhone, BlackBerry, and Android devices.

How do I install the downloadable application?

Your device will receive a text message from 46379. Select to view (or open) the message (you can also view it later by going to your device’s text message inbox). Select the URL link http://www.ynbok.mobi in the text message. This is typically done by selecting a command on your mobile device’s menu, such as “Connect” or “Go To”. You will then be brought to a page with a download link. Click this link to download the application. When finished, you will be notified that the download completed. After launching the application for the first time, you may be asked to give permission to access the data network. You will need to grant permission in order to proceed.

Alternatively, for the iPhone you may go to the iTunes App store, search for YNB Mobile Banking and download the App from the store. On Android devices, go to the Android Market, search for YNB Mobile Banking and download from the Market.

Text Banking

What is Text Banking?

Text Banking gives you access to your accounts via text (SMS) messages on your device. It’s a fast, easy way to look up account balances or recent account history by sending a text command to a shortcode.

What is YNB shortcode?

All text messages should be sent to 46379

Can I use both Text Banking and Mobile Banking on my mobile device?

Yes, you can use both options from the same mobile device. To do so you will need to activate each option on your mobile device prior to use.

Is Text Banking supported on my mobile device?

Text Banking will work on any text message (SMS) capable mobile device from one of our supported carriers.

Will I receive unsolicited text messages?

No. You will only receive messages when you specifically request them with one of the Text Banking commands.

What are the Text Banking commands?

FUNCTION COMMAND DESCRIPTION
B alance B Summary of available balances for all accounts
H istory H Summary of recent transactions per account
T ransfer T Transfer money between your YNB accounts
C ommand C List of available Text Banking commands
He lp HE Help content for Text Banking
L ogin L Receive a URL for the YNB Mobile Banking Browser website
S top S De-activate all YNB Mobile Text Banking services

NOTE: You can check for additional available commands by activating your device and sending C to 46379.

Troubleshooting

I enrolled my mobile device number but did not receive a text message. What should I do?

Typically you should receive a text message within a few minutes after enrolling; however, sometimes mobile carriers experience delays that slow down text message delivery. While waiting, make sure your mobile device has a wireless signal. In addition, be sure you entered the correct mobile device number on the enrollment site. If you still do not receive it, contact your wireless carrier to be sure text messaging is enabled on your mobile device.

I received an activation code but never used it. What do I do now?

The activation codes expire after 24 hours. If you need a new one, return to the Mobile Banking Center https://mbcat.mbankhost.com/mb21/enroll/site/enroll?ficode=osidna056 and request a new activation code.

What happens if I get a new mobile device or change mobile device numbers?

If you get a new device or change device numbers, be sure to return to the Mobile Banking Center online at https://mbcat.mbankhost.com/mb21/enroll/site/enroll?ficode=osidna056 and update your device profile. We recommend removing your old device and re-enrolling your new device.

Can I use Mobile Banking or Text Banking on more than one mobile device?

Yes. Visit the Mobile Banking Center online at https://mbcat.mbankhost.com/mb21/enroll/site/enroll?ficode=osidna056 and simply enroll another mobile device number.

I selected “Remember this device” when I enrolled and activated, why am I being asked to answer my security question(s)?

This may be due to your cookies. When you enroll and activate your mobile device, a cookie is stored on its browser which allows the Mobile Banking system to remember that you activated. The cookie is only visible by the Mobile Banking system and does not contain any personal information. Some mobile devices may require you to enable cookies or periodically erase them. If you do not have cookies enabled or you have recently erased your cookies, you will be required to answer your security questions. Check your mobile device settings to ensure that cookies are enabled. If cookies are enabled and the issue persists, please contact your mobile provider for cookie support information on your mobile device.

Additionally, for added protection, there may be cases where Mobile Banking will request you answer a security question again even though you selected to remember this device. This is for added protection in the case where other security policies trigger the system to request you answer the questions again. If you need assistance please contact a Customer Service Representative at 405-350-1335.

I lost communication/signal during a transaction?

If you do not receive a confirmation message due to a lost signal, you may verify a transaction by logging back into Mobile Banking. If you need assistance please contact a Customer Service Representative at 405-350-1335.

Security Questions

How do I securely leave my Mobile Banking browser session?

Select the Sign Off link to sign out of Mobile Banking, and then close your browser through your mobile device browsing options. If you are using a downloadable app, click on sign off to stop your Mobile Banking session.

Can someone intercept my Mobile Banking transactions?

The 128-bit SSL encryption protects your information as it travels from your mobile device to YNB. The 128-bit SSL encryption technology is the same encryption that safeguards Internet traffic for secure web applications.

What are some tips to keep my Mobile Banking experience safe?

Here are some tips and general good practices for banking on your mobile device:

  • Download and apply security updates and patches to your mobile browser when they are made available by your wireless provider. These are designed to provide you with protection from known possible security problems
  • To prevent viruses or other unwanted problems, do not open attachments from unknown or untrustworthy sources
  • Do not install pirated software or software from unknown sources
  • Limit unauthorized access to your mobile device. Do not leave your mobile device unattended during an open Mobile Banking session
  • Never save your User ID and Password in the mobile device, in memos, or anywhere on your device
  • Always remember to log off properly using the “Sign Off” button when you have completed your Mobile Banking activities
  • Be aware of the potential for fraudulent Mobile Banking apps

Is Mobile Banking as secure as other YNB online services?

Mobile Banking offers the same security features and protection as our other online services, including encryption and security questions. Mobile Banking users are protected by:

  • Firewall systems and intrusion detection software
  • Encryption of sensitive information that protects information sent over the Internet
  • Internationally recognized security standards and industry best practices
  • Profile and Password security
Link to Online Banking
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