FAQ - AmFirst Bank

AmFirst Anywhere Mobile Banking
FAQ
Frequently Asked Questions
General Questions
What is AmFirst Anywhere Mobile Banking?
AmFirst Bank’s Mobile Banking provides you fast, convenient and secure access to your eligible bank accounts so you can bank
how, when and where you want. AmFirst Bank offers three mobile banking options, and you can use any or all of them:

Text Banking: Access your account balances, recent transactions, and find branches and ATMs anytime, anywhere by
sending simple text commands to 99588. A Smartphone is not required.
*AmFirst Bank does not charge fees to download or use the AmFirst Bank Mobile Banking app, AmFirst Bank Mobile Web, or AmFirst Text Banking.
However, fees may apply for using services in Mobile Banking. Your mobile carrier may charge for data and text message usage. Check with your
carrier for more information.

Mobile Web: Visit amfirstbank.mobi from any Smartphone browser to log into a mobile webpage to view your
accounts, transfer funds between AmFirst Bank accounts and find branches and ATMs.

Downloadable Mobile Apps: Download AmFirst Bank Mobile Apps for iPhone, iPad and Android™ devices to view
your account information, transfer funds, deposit checks (if approved) and find branches and ATMs.
Is AmFirst Anywhere Mobile Banking Secure?
To ensure the safety and privacy of your account information, we incorporate multiple security features in Mobile Banking:

You must authenticate every transaction in Mobile Banking

All transactions are encrypted

No personal or financial information is stored on your phone

Mobile Banking is protected against malicious attacks through software and server hardening measures

Mobile Banking incorporates mechanisms such as transaction validation and transaction reconciliation processes to
detect fraud
How current is the account and transaction information?
When you view your account balance, you see the current available balance. When you view transaction history, you see the
most recently posted transactions. Pending transactions also display. For deposit accounts, you can view up to 60 days worth
of transactions (current and previous statement).
What do I need to access and use Mobile Banking?
You will need the following:
 You will need to be enrolled in AmFirst Bank personal Online Banking; You will need your username and password for
Online Banking

You need to have at least one eligible AmFirst Bank account (see account types listed below)

A Smartphone or tablet that can download a mobile banking app OR access the Mobile Web at amfirstbank.com OR

Any phone with text messaging/SMS capability (for Text Banking)
What accounts can I access with Mobile Banking?
You can access the same accounts in Mobile Banking that you can access in personal Online Banking, including:

Checking

Savings

Money Market
 Certificates of Deposit (CD)
 Loans
You select the accounts you want to use during the enrollment process.
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Can I access my business accounts in Mobile Banking?
Mobile Banking is not offered for Business Online Banking customers. If you are a personal Online Banking user and you can
currently access your business accounts through personal Online Banking, you will be able to access your business accounts in
Mobile Banking.
How do I enroll in Mobile Banking?
You must first be enrolled in AmFirst Bank’s personal Online Banking. (If not enrolled, contact your local branch for Online
Banking Enrollment assistance). Log in to AmFirst personal Online Banking through www.amfirstbank.com with your username
and password.
Option A:
1. Log into personal Online Banking at www.amfirstbank.com
2. The Mobile Banking Enrollment page appears, Click on Enroll Now.
W elcome to Mobile Banking
You can register here for Mobile Banking. Be sure to turn on your mobile phone and make sure it’s ready to receive text messages. W hen you register for Mobile Banking
you can choose the services you want to use and the accounts you want to access.
During registration, we send you a text message with a unique activation code to verify your phone number. This code associates your mobile phone with your account. To
complete registration, enter the activation code that we send you. This verification lets you know your mobile phone number has successfully registered in our system. For
security reasons, only one user can register per phone. However, once you complete the registration process, you can add more phones to your account. Also, you must
read and accept our terms and conditions. If you have any questions about this or need help with registration, please call.
Enroll Now
Ask Me Later
Decline
3.
The personal Online Banking Home page appears and the Terms and Conditions page opens in a separate window.
Select the ‘I accept these Terms and Conditions’ check box.
4.
5.
When the Continue button appears, click ‘Continue’ to display the Select Services page.
Select the mobile banking services(s) you wish to utilize
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Downloadable Apps
Mobile Web
Text Banking
eAlerts
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6.
7.
Follow the on‐screen instructions
Click here for detailed Enrollment information.
Option B:
1. If you choose the ‘Ask Me Later’ or the ‘Decline’ option from the Enrollment screen when logging in to personal
Online Banking; you may enroll at a later time by going to the Options Tab in Online Banking.
W elcome to Mobile Banking
You can register here for Mobile Banking. Be sure to turn on your mobile phone and make sure it’s ready to receive text messages. W hen you register for Mobile Banking
you can choose the services you want to use and the accounts you want to access.
During registration, we send you a text message with a unique activation code to verify your phone number. This code associates your mobile phone with your account. To
complete registration, enter the activation code that we send you. This verification lets you know your mobile phone number has successfully registered in our system. For
security reasons, only one user can register per phone. However, once you complete the registration process, you can add more phones to your account. Also, you must
read and accept our terms and conditions. If you have any questions about this or need help with registration, please call.
Enroll Now
2.
Ask Me Later
Decline
Within Online Banking, select the Options tab from the top menu bar.
Scroll down to the Mobile Banking Profile section and click on “Enroll Now”. Follow the enrollment and activation
instructions which include:
a) Read and Accept the Mobile Banking Agreement, Continue
b) Select the ‘Eligible Account” check boxes and choose a ‘nickname’ for each account
c) Enter your mobile phone number, click ‘next’
d) Select the Services you wish to utilize; Downloadable Apps; Mobile Web; Text Banking or eAlerts
e) Register your device(s)
f) Text message receipt and Activation Code completion
Which phones can I use for Mobile Banking?
Hundreds of models are supported including major brands: iPhone, Black Berry, HTC, LG, Motorola, Nokia, Samsung, Sanyo and
Sony Ericsson. Phones on a number of different operating systems are supported including, but not limited, to Android,
BlackBerry, iOS, Symbian, Windows Mobile, Linux, Palm webOS, and Maemo.
Which mobile service carriers support Mobile Banking?
Mobile Banking works on all major mobile phone service carriers in the U.S.: AT&T, Sprint, T‐Mobile, U.S. Cellular and
Verizon Wireless. Mobile Banking also works on a number of smaller service carriers, including, but not limited to, Boost
Mobile, Cricket Wireless, Metro PCS, Pioneer Cellular, Union Wireless and Virgin Mobile USA.
Can I add more than one mobile phone?
Yes. You can enroll several mobile devices for Mobile Banking. To add a new phone once enrolled; log in to personal Online
Banking and click on the Options tab. Scroll down to the Mobile Banking Profile section and select “manage devices”.
What if my phone number changes?
Simply update your phone number by logging into personal Online Banking and select the Options tab. Scroll down to the
Mobile Banking Profile section and select ‘manage devices’.
What if my phone is lost or stolen?
If your mobile device is lost or stolen, no one can access your account without knowing your password and, in some cases, your
unique user name. To prevent unauthorized access to your account, you can deactivate your phone in Mobile Banking. Log
into personal Online Banking from your computer. Select the Options tab and scroll down to Mobile Banking Profile. Select
‘manage device(s)’ and select the ‘my phones’ tab. Locate the phone number of the device you wish to deactivate and select
‘stop using this phone for Mobile Banking”, select Go. When the Stop Using This Phone page is displayed, click “yes”. You may
also contact your local bank branch for deactivation assistance.
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Will I be charged a fee for mobile banking?
AmFirst Bank does not charge a fee to access the mobile website or to download and use our mobile apps. Other account‐
related fees may apply. Message and Data rates from your mobile carrier may apply.
Text Banking
How do I enroll for Text Banking?
Log in to personal Online Banking at www.amfirstbank.com from your computer.

Select the Options tab, scroll down to Mobile Banking Profile and click on ‘Enroll Now’.

Select the Text Banking Services box and accept the Terms & Conditions Agreement.

Activate your phone by entering the phone number. This will trigger an ‘activation code’ to be sent to you.

Enter that activation code sent to you and you will then be able to use text commands to get basic account
information (Message and Data rates may apply).
If you are already enrolled in Mobile Banking; Go to www.amfirstbank.com from your computer and log in to personal Online
Banking.

Select the Options tab from the top menu bar and scroll down to your Mobile Banking Profile and click on Manage
Device(s).

Select My Phones>Change My Mobile Banking Services. Select Text Banking and then Continue.

Now you can use the Short Code Commands to get basic account information.
What is AmFirst Bank’s Short Code for Text Banking?
AmFirst Bank Mobile Banking customers will text commands to Short Code 99588. This short code is sent to you by text
message after you activate the mobile device for Text Banking.
What are the Text Banking Commands?
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View account balances: Text “B”, “BAL”, “BALANCE” OR “BALANCES” to short code 99588 to get account balances for
the accounts enrolled in Mobile Banking.
View transaction history: Text “STMT”, “TRAN” or “HIST” plus the nickname for the account (e.g., HIST Checking) to
short code 99588.
Locate AmFirst Bank ATM locations: Text “ATM” plus the ZIP code, city or state to short code 99588.
Locate AmFirst Bank Branch locations: Text “BRANCH” plus the ZIP code, city or state to short code 99588.
Locate both ATM and BRANCH locations: Text “BOTH” plus the ZIP code, city or state to short code 99588.
Unenroll your device for Text Messaging and Mobile Alerts: Text “STOP” to short code 99588.
For Help, Text the word “HELP” to short code 99588.
Are the commands case sensitive?
No. Whether you type BAL or bal, a response with your account balance is sent to your mobile device.
What should I do if I don’t get a response to a message?
Make sure you are sending the text message to 99588. Check the command keyword and any additional information required
for the request, such as ‘nickname’ or ZIP code.
Why are my results sent as multiple messages?
Text messages are limited to 160 characters. If your account information exceeds the character limit your account information
is sent in multiple messages‐no more than five at a time.
I have text messaging enabled on my mobile device, why can’t I receive text messages?
Your mobile service carrier may be blocking short codes or you may have blocked short codes on your mobile device. Short
codes must be enabled to use Mobile Banking. Short codes are abbreviated phone numbers, usually five digits, used to send
Mobile Banking Messages.
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Mobile Web
What is Mobile Web service?
You can access our Mobile Banking site from virtually any web‐enabled phone to:

Check account balances

Review recent account activity

Transfer money between AmFirst Bank accounts

Find AmFirst Bank ATM and Branch locations
To use the mobile web service, your mobile device must have an Internet browser and may require a data service plan. You
access the Mobile Banking website using the link sent by SMS text Message during the enrollment process. Message and Data
rates may apply.
How do I enroll in Mobile Web?
Once enrolled in personal Online Banking:

Login to personal Online Banking from your PC.

Select the Options tab from the top menu bar, scroll down to your Mobile Banking Profile and click on Enroll Now.

Select Mobile Browser from the list of Mobile services and Continue. Read and Accept the Terms & Conditions and
follow the on‐screen directions.

Active your phone by entering the telephone number. This will trigger an activation code sent to you. Enter that
activation code.

You will receive a text message with a link to the mobile banking site

On your mobile device, click and bookmark the mobile banking site’s unique link
When I click the link for the Mobile Banking website nothing happens, what should I do?
Every mobile device and mobile network is different, so you may not be able to click on the link in a text message. Try these
troubleshooting tips:
 Open the text message and click the “Send” or “Go” button on your mobile device to access the website URL. Then
click the address to go directly to the website.
 Open the text message and write down your unique website URL. Type the URL (or copy and paste) in your device’s
web browser to go directly to the website.
If you still can’t access the Mobile Banking website, contact your mobile service carrier.
Mobile App
What can I do using the AmFirst Bank Mobile App?
You can use the downloadable Mobile Banking App to:

Check account balances

Review recent account activity

Transfer money between AmFirst Bank accounts

Find AmFirst Bank ATM and Branch Locations

Receive account eAlerts

Calculator and Calendar applets

Make Check Deposits (Must be pre‐approved for this service; see Mobile Deposit section below for details)
Are there any special requirements to use the AmFirst Bank Mobile App?
To use the Mobile Banking downloadable application, your mobile device must have an operating system that supports
application downloads and may require a data service plan. You download the Mobile Banking Application using the link sent
by SMS text message during the enrollment process. You can also visit the mobile App Store for your specific device to
download the application.
What kind of phone do I need to use the Mobile Banking App?
The AmFirst Bank Mobile Banking App can be downloaded to any Smartphone utilizing Android™ or IOS (iPhone®) operating
systems.
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How do I download the Mobile Banking Apps?
During Enrollment for Mobile Banking Apps; you are sent a unique link to the App Store where you can download “AmFirst
Bank Mobile Banking”. If you download “AmFirst Bank Mobile Banking” from the App Store without enrolling first, the
download will not work.
Or, download the “AmFirst Bank Mobile Banking” app as you would any other application from the App Store for your mobile
device. After you download and install the application, you will agree to the Terms and Conditions for Mobile Banking. You
may now login to the Mobile App by using your personal Online Banking login information.
Is there a Mobile Banking App available for a tablet?
There is a Mobile Banking App available for the iPad® and Android™ tablets. The iPad® App for Mobile Banking is
downloaded and installed by using the link to the Apple Store provided during enrollment, by clicking on the App Store link on
amfirstbank.mobi or by going to iTunes™. The Android™ App can be downloaded from Google Play on the Android device,
from the link provided during enrollment, or from the Google Play link on amfirstbank.mobi.
When I click the link to download the Mobile Banking app nothing happens, what should I do?
Every mobile device and mobile network is different, so you may not be able to download the Mobile Banking app to your
mobile device. If you are having trouble, contact your mobile service carrier to make sure your mobile device supports
application downloads.
Mobile Deposit
What is Mobile Deposit?
Mobile Deposit allows you to use the camera on your Smartphone or iPad® device and our Mobile Banking app to make check
deposits to your AmFirst Bank account(s) anywhere, anytime.
Once I enroll for Mobile Banking and download the Mobile Banking App to my device, can I begin using Mobile Deposit
immediately?
No. There is an approval process for all Mobile Deposit users. Please contact your local AmFirst Bank Branch to request Mobile
Deposit.
Once I am approved for Mobile Deposit, how do I use it?
Once you are approved for Mobile Deposit by the Bank, you will see a Deposits button on the menu screen after you launch
and login to the Mobile Banking application on your Smartphone or iPad®.
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It is suggested that you close all other apps prior to logging into the Mobile Banking App.

Endorse the back of the check with your signature and “For Mobile Deposit Only to AmFirst Bank”.
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Once logged into the App, select ‘New Deposit’.
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Select the account you want to deposit funds to.
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Enter the deposit amount of the check, ensuring the amount entered matches the check amount(s).
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Select ‘Continue’.
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Flatten folded or crumpled checks before taking a photo.
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You will be prompted to take a picture of front and back of the check using the camera on your device and confirm
the deposit.
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Take photo in a well lit area, placing the check on a dark background.
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Make sure the entire check image is captured in your photo.
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Checks deposited will be tested and reviewed for: image quality; amount comparison; duplicate deposit detection;
deposit amount limits; endorsements and check eligibility.

The deposit status will show on the Deposit History within the Deposits menu. If there was an error, the status will be
‘Reject’ (see error message for details). If the deposit image was accepted, it will have a status of “Pending”.

The deposit will remain in a “Pending” status until it passes the test and review process.

Deposits can be confirmed as “Accepted” by checking the Account History within the Mobile Banking app to confirm
the check was posted to the account.
Can I deposit multiple checks in one deposit?
No. Each deposit can only consist of one check. If you have multiple checks to deposit, you must make multiple deposits.
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How many deposits can I view from the Deposit History in the Mobile Deposit app?
You are able to view 30 days of deposit history captured on your mobile device. If you need to see check images for deposits
older than 45 days, you will need to view your Account History instead.
I don’t see a Deposits button in the Mobile Banking App?
Mobile Banking users must be pre‐approved for Mobile Deposit. Please contact your local branch to request access and obtain
details about the approval process.
What devices will Mobile Deposit work with?
Mobile Deposit will work with the following devices:
 iPhone 4, 4S and 5 models (iPhone 3G is no longer supported on Apple iOS 5.0.1 or newer versions)
 Google Android Models (2.2 or newer; Cameras with 2.0+megapixel resolution and autofocus)
 iPad 3, 4 and Mini (with the iPad App; Cameras with 2.0+Megapixel resolution and autofocus)
Are there any Mobile Deposit Guidelines?
Click for Mobile Deposit Quick Reference
eAlerts
What is an eAlert?
You can set‐up account alerts to notify you when important activity occurs, such as your account going below a certain balance
or a deposit being credited to your checking account.
Do I have to have Mobile Banking to utilize eAlerts?
No. However, you must be enrolled in AmFirst Bank’s personal Online Banking in order to set‐up eAlerts.
How do I enable eAlerts in Mobile Banking?
1. Once enrolled for Mobile Banking; Log in to personal Online Banking at www.amfirstbank.com
2. Select the ‘Options’ tab.
3. Scroll down to the Mobile Banking Profile section; click the “Manage Devices” button.
4. The Main Menu page is displayed; Select the “My Phones” tab. Select “Change my Mobile Banking services” from the
I want to drop‐down list for the appropriate phone number. Click “GO”.
5.
The Select Services window is displayed. Make sure the following are selected:
Text Messaging
Alerts
Click “Continue”.
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Close the Mobile Banking Services Main Menu.
How do I set‐up a new eAlert?
1. Log in to personal Online Banking
2. Locate and Click the eAlerts hyperlink in the Welcome Message at the top of the Online Banking page.
3. Once the eAlerts window displays; Select the appropriate eAlert template you wish to use (i.e., “Checking Low
Balance”)
4. Click ‘Next’
5. In the Notify When section, click
for the appropriate alert to establish. The Checking Low Balance example is used.
6. In the New Checking Low Balance alert window, establish the following:
Send To
Select the communication channel used to deliver the alert. Values =
“Online” indicates the event message is delivered as an online
message to you Online Banking account home page.
“E‐Mail”
indicates the alert is sent to the specified email address.
“Mobile” indicates the alert is delivered to the specified mobile
device number.
E‐Mail Address
Mobile Phone Number
Mobile Carrier
Enter your email address.
Enter your mobile phone number (xxx‐xxx‐xxxx)
Select your mobile carrier (e.g. Verizon)
Enter all the appropriate information requested and click “Finish”.
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Select “Done” to return to the main eAlerts window.
Click on
to exit the eAlerts window.
How do I edit an eAlert I have set‐up?
Refer to steps 1‐3 under How Do I set up a new eAlert above.
1. The eAlerts window is displayed.
2. In the Notify When section, click the Edit Icon for the appropriate event listed.
3. The Change screen is displayed. Make all the appropriate changes and click “Finish”.
4. The Change confirmation window is displayed; click “Done”.
5.
Click
to exit the eAlerts window.
How do I view an eAlert?
1. Log in to personal Online Banking.
2. Select the eAlerts hyperlink in the Welcome Message section at the top of the Online Banking page.
3. If there are any eAlerts they will display; select the hyperlink of the message you wish to view.
What are the available eAlerts I can choose from?

Checking Low Balance
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Checking Daily Posting
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Checking Deposit Notice
 Savings Withdrawal Notice
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