What is Mobile Banking?
Mobile banking provides quick, secure account access from your mobile phone, making it easy to:
- See current account balances
- View recent transactions
- Transfer funds between accounts
- Find branch and ATM locations
Who is eligible for Mobile Banking?
Personal customers enrolled in DirectBanker
Business customers who use the free/basic DirectBanker
(DirectBanker Plus mobile banking options will be available at a later date.)
How secure is Mobile Banking?
Mobile Banking, when used correctly, has been designed to ensure that only you have access to your account information. When conducting banking transactions a number of security measures are working in the background to provide you with confidential and secure access. However, it is very important that you follow current security best practices to keep information safe and secure while using your phone. Please be especially aware of something called “SMiShing.” With SMS (Short Message Service), the technology used to send and receive text messages on your cell or smartphone, criminals may try to use the technology to ask for your private account information. Never respond to text messages requesting private account information. Bank of Kansas will never ask you to provide private information via text message.
How do I enroll for Mobile Banking?
Log in to your DirectBanker Online Banking account. Click “Other Services” then click “Mobile Banking.” You will need to accept the Mobile Banking terms. From here you will be prompted to choose a login ID. Then, enter your mobile phone number and set up a PIN number.
I have enrolled for Mobile Banking through my DirectBanker Online Banking account. Now what?
You will receive two text messages on your phone with instructions to text “Yes” to complete the enrollment. This text message will also include a URL to access Mobile Banking through your phone’s browser.
When I try to complete the enrollment on my phone it keeps responding with “Bank of Kansas: Invalid SMS request received.”
If you have an automatic signature set up on your outgoing text messages (SMS), it will interfere with the requests you are submitting through the text message feature. Please disable the automatic signature on your phone so that your requests are in the correct format.
When I try to access the Mobile URL on my iPhone it keeps kicking me back to the login screen.
You will need to have your security settings set to Accept Cookies from Visited Sites in order to proceed past the login page.
What are the requirements for my Mobile Banking login ID?
Your login ID will need to be between 4-12 characters in length and can be letters or numbers. No special characters.
What are the requirements for my Mobile Banking PIN?
Your PIN will need to be between 4-12 characters in length and can only be letters or numbers. No special characters.
What account will be my default account for Mobile Banking?
If you have more than one account, your default account for Mobile Banking will always be your first account listed on Mobile Banking. To change your default, logon to DirectBanker online banking, and select preference & order your accounts the way you want them.
What is the text messaging number for Mobile Banking?
The number is 469-228. Tip: Save this number in your contacts for future use. (This number is shared with Stillwater National Bank. If you have accounts at both of SNB and BoKS, you will need to input the account number and texting commands. The acct. # allows the software to pull the correct data from the correct bank.)
What commands can I use to obtain my balance through text messaging?
You can use ‘balance’, ‘bal’, or ‘b’ to request your balance. If you are requesting a balance on a specific account please text balance along with your account number or nickname (ie: balance My Household Acct).
What command do I use to obtain details on my account?
For details on an account, text ‘details’ and then your account number or nickname (ie: details 123456789).
What commands do I use to obtain transactions on my account?
You can text ‘transactions’, ‘statement’, ‘history’, ‘recent’, ‘tran’, and ‘log’ to obtain the last 4 transactions on any account. The system will respond with the transactions on your default account unless you indicate what account you want the transactions on (ie: history Savings). Text-based mobile, you view last 4 transactions; Browser-based mobile you see your last 5 transactions & last month’s transactions under “Detail Statement.”
How do I complete a transfer from my default account?
You can text ‘transfer’ or ‘xfer’ along with the $ amount and receiving account number (ie: xfer 10.00 to SAV).
How do I complete a transfer that does not start with my default account?
You can text ‘transfer’ (amount) FROM (account nickname or number) TO (account nickname or number). (ie: transfer 10.00 FROM CHK TO SAV)
Are text commands “case sensitive”?
How do I set up an account nickname?
To set up an account nickname, login to Online Banking. Click on the Preference Tab, then click on the Nicknames tab. From the Nicknames screen, enter a short nickname for each account. Click save. These nicknames will now be available to you in Mobile Banking as well. (Hint: 3 to 4 letter nicknames work best.)
Are account numbers and account nicknames interchangeable?
Yes, you can use either an account number or an account nickname when making a text message request for information on an account.
Can I use my account nicknames for Mobile Banking commands?
Yes, please be sure they are identical to what you use in Online Banking.
How do I disable my Mobile Banking?
You can disable Mobile Banking by texting Stop or by going into Online Banking, clicking “Other Services” then click “Mobile Banking.” From there you will be able to select “Un-enroll.” Or contact any location or call, 1.866.222.4762.
What does Mobile Banking cost?
Bank of Kansas does not charge our customers for using Mobile Banking. However, please be aware your mobile phone service provider may charge for text messages, web access and other services. Check your mobile plan for details.
Do I need a special phone to use Mobile Banking?
No. Bank of Kansas Mobile Banking will work on almost any mobile phone. In other words, if you can text message or have Internet access, you can use Mobile Banking.
Will I be able to pay bills on Mobile Banking?
Yes, but only current payees already set up on your online banking. To manage payee (add, delete, or modify logon to DirectBanker and click on Bill Payments tab.)
What account balance does a text inquiry return on Mobile Banking?
What is the cutoff time for transfers to be applied to my account for the business day?
It is the same as DirectBanker Online Banking – 4:00 p.m.
What should I do if I can’t pull up any bank locations on the Location Finder?
The location finder is set up to only find Bank of Kansas-owned ATMs and branch locations. If your search does not return any results try searching by the city & state our branches are in. Or try www.bankofkansas.com for a locations listing.
What happens when I change information on my Mobile Banking account?
When you make a change to information, such as your cell phone number, a new PIN will be automatically generated for you, via text message. You will need to use this PIN the next time you login to Mobile Banking. However, this PIN can be changed back to a previous PIN. Due to security features, you will receive a temporary PIN every time you make a change on Mobile Banking and you will be asked to change it.
Why will the Mobile Banking App require me to login every time I try to use it?
To provide you with the best security, the Mobile Banking App is set to log itself out as soon as it is not in use. This means that if you toggle away from the App to use another feature or if you exit out of the Mobile Banking App, you will be immediately logged out. We hope in this way to minimize any risk that may be caused by accessing your banking information through the App.
Is a Mobile Banking App available for my smartphone or tablet (i.e. iPad, iPhone, Droid, etc.)? (Apps will be available in 4th QTR ‘12)
Yes. Once the apps are available, it will be easy to access them after you’ve enrolled for Bank of Kansas Mobile Banking through DirectBanker.
How do I contact the bank if I have additional questions?
For additional assistance, call Bank of Kansas call center at 1.866.222.4762, Mon-Fri from 7:30am - 6:00pm & Sat 8:00am-12:00pm.