Mobile Banking FAQs

Is there a fee for Mobile Banking?

You must be a registered Online Banking user to use Mobile Banking and Mobile Deposit services. Online Banking has a one-time activation fee of $4.95 and a monthly fee of $1.00. Adding Mobile Banking and Mobile Deposit services to your Online Banking options is FREE! However, your mobile carrier’s text messaging and web access charges may apply. Web access is needed to use Mobile Banking. Please check with your service provider for details on specific fees and charges.

Is Mobile Banking secure?

Yes. To ensure the safety and privacy of your account information, we provide some key security features in Mobile Banking:

Authentication-You are authenticated for every interaction with Mobile Banking.
Encryption-We use 128-bit encryption for all transactions.
Fraud Detection-We incorporate mechanisms such as transaction validation and transaction reconciliation processes to detect fraud.
No identifiable Information-We don’t return any personally identifiable information in a text message, such as your full account number, e-mail address, or personal address. We never ask for or include your user ID or password in any message we send.

Is my personal or financial information stored on my device?

No. We don’t save any files with your personal or financial information on your device. That information stays strictly within online banking.

What types of accounts can I access with Mobile Banking?

Using Mobile Banking you may access all accounts that are accessible through Online Banking, including checking, savings, CD’s and loans. When you register for Mobile Banking, you can choose which accounts you want to access.

How do I enroll in Mobile Banking?

Enrollment for Mobile Banking takes place via “Online Banking”. If you are not currently using “Online Banking”, sign up now! To enroll into Mobile Banking, search for “MSA Mobile” in the App Store or Play Store, OR follow these easy steps:

Log in to “Online Banking”
Click “Change Email/Password”
Scroll down to “Mobile Banking Profile”
Click Enroll or Manage Devices
Enter your Mobile Phone Number where prompted
Follow the needed steps for your mobile banking version
Click Submit

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 are not shown.

Can I add more than one mobile device?

Yes. You can register several mobile devices for Mobile Banking. To add a new phone:

Go to “Online Banking”
Click “Change Email/Password”
Scroll down to “Mobile Banking Profile”
Click Manage Devices
On the My Devices page, select “Add New Device”.

What if my phone number changes?

If your mobile phone number changes

Go to “Online Banking”
Click “Change Email/Password”
Scroll down to “Mobile Banking Profile”
Click Manage Devices
On the My Devices page, select “Change my phone number” from the “I want to:” Menu.

What if my device 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 device in Mobile Banking.

Go to “Online Banking”
Click “Change Email/Password”
Scroll down to “Mobile Banking Profile”
Click Manage Devices
On the My Devices page, select “Stop using this device for Mobile Banking” from the “I want to:” Menu.

How do I stop using Mobile Banking on my phone?

To stop using Mobile Banking:

Go to “Online Banking” and access the Mobile Banking pages.
Click “Change Email/Password”
Scroll down to “Mobile Banking Profile”
Click Manage Devices
On the My Devices page, select “Stop using this device for Mobile Banking” from the “I want to:” Menu.

How do I use the text messaging service?

To use Mobile Banking’s text messaging service, you must:

Have an “Online Banking” account.
Have a mobile phone that supports SMS text messaging and short codes.
Register for Mobile Banking and select the text messaging service.

Why are my Mobile Banking text messages coming from 48179?

You receive all Mobile Banking test messages from 48179. To make it easier to recognize our text messages, add us to your contact list with the short code .

What is a short code?

A short code is a shortened version of a phone number. A short code is generally five or six numbers in length. Five-digit short codes range from 20000 to 99999; six-digit short codes range from 222222 to 8999999. You can send and receive text messages from a standard U.S. short code as well as a traditional phone number.

What do you mean when you say “Standard messaging charges may apply?”

Every mobile service carrier has a different rate plan for text messaging and data services access. You may be charged per use, or pay a flat rate for unlimited usage each month. You may also have different fees for text messaging and data services access.

What are the text messaging keywords and how do I use them?

Keywords are the text messages you send to request account information or ATM and branch locations. Account Balance Requests: Keywords: B, BALANCE, BALANCES Check the balances for all accounts you’ve registered in Mobile Banking: Transaction History Requests: Keywords: STMT, TRAN, HIST (account nickname) Check the most recently posted transactions of the account you specify with the account nickname. For example, TRAN S1. Keywords: NEXT, MORE If your transaction history response message ends with “Reply NEXT” text NEXT or MORE to view more transactions. ATM and Branch Location Requests: Keywords: ATM, BRANCH, BOTH (address) Find ATMs, branch locations, or both near an address that you specify. You can enter:

ZIP Code
City and ZIP Code
City and State
Street, City, and State

For example: ATM ANYWHERE OH. Keywords: NEXT, MORE If your ATM and branch location response message ends with “Reply Next” text NEXT or MORE to view more locations. Help requests: Keywords: HELP, HLP Provides information about the Mobile Banking keywords. Stop request: Keywords: STOP, END, CANCEL, UNSUBSCRIBE, STOP ALL Stop receiving Mobile Banking alerts. Text:

STOP BNKG to cancel banking alerts.
STOP MKTG to cancel marketing alerts.
STOP ALL to stop all alerts.

Why are my results sent as multiple messages?

Text messages are limited to 160 characters. Sometimes we can’t send all your account information in one message because it exceeds the character limit. In this case, we send your account information in multiple messages- no more than five at a time. Also please note that the multiple messages are sent separately at the same time and it is possible for them to arrive out of sequence order.

What do I need to use the mobile browser service?

To use Mobile Banking’s browser service, you must:

Have an “Online Banking” account and be enrolled in Mobile Banking.
Have a mobile phone that supports web browsing.
Have a data connection.

What do I need to download the Mobile Banking applications?

To download the “MSA Mobile” application, you must:

Have an “Online Banking” account.
Have a mobile device that supports download applications.
Most Android phones, iPhones, are supported.
Have a data connection.

How do I download Mobile Banking to my phone?

To download the “MSA Mobile” app, search for “MSA Mobile” in the App Store or Play Store, OR follow these easy steps:

Log in to “Online Banking”
Click “Change Email/Password”
Scroll down to “Mobile Banking Profile”
Click “Enroll” or “Manage Devices”
Enter your mobile phone number where prompted
Follow the needed steps for your mobile banking version

What is Mobile Deposit?

Mobile Deposit allows you to make secure deposits anytime, anywhere, quick as a snap, using supported Apple and Android devices. With MSA Mobile Deposit you are able to electronically deposit checks using the “MSA Mobile” App.

Is there a fee for Mobile Deposit?

Mobile Banking and Mobile Deposit are FREE! However, our mobile carrier’s text messaging and web access charges may apply. Web access is needed to use Mobile Deposit. Please check with your service provider for details on specific fees and charges.

Is Mobile Deposit secure?

Yes. We use advanced encryptions and security technology to ensure that deposits made through the Mutual Saving’s App are secure. Online banking credentials and check images are not stored on your mobile device. Account numbers are not listed instead you view accounts by nickname. 128-bit encryption masks your sensitive information.

How should I endorse the check?

If the back of the check is not properly endorsed, we reserve the right to reject the check for deposit. Endorsement should include the payee’s signature (your endorsement) and the words “For Mobile Deposit Only”.

What are the cut-off times for deposits made with Mobile Deposits?

Mobile Deposit funds are generally available on the next business day after the day of your deposit, unless a hold is applied. If that is the case we will notify you. Saturday, Sunday, and Federal holidays are not considered business days.

For deposits made before 4:00pm CST business days, funds are generally available on the next business day after the day of your deposit.
For deposits made after 4:00pm CST business days, funds are generally available on the 2nd business day after the day of your deposit.
For deposits made on Non-business days, funds are generally available on the 2nd business day after the day of your deposit.

What should I do with my paper check?

Please securely store your check for 14 business days. After that timeframe, destroy the paper check. This will allow sufficient time in case the original check is required for any reason.

How will I know if there is a problem with my mobile deposit?

If a problem does arise with your deposit you will be contacted as soon as possible by a MSA Service Representative and your options will be presented to you.

What types of checks can I deposit?

You can deposit checks payable in U.S. dollars and drawn at any U.S. bank, including personal, business, and government checks. The checks must be payable to and endorsed by the account holder. We CANNOT accept checks payable to others, traveler’s checks, money orders, foreign checks, substitute checks, returned checks, postdated or stale dated checks (more than 6 months old).

What dollar limits apply to Mobile Deposit?

There are no deposit limits, however MSA reserves the right to reject or apply a hold to any deposit where conditions apply in accordance with our established funds availability policy. Funds may be delayed under the following circumstances:

We believe the check you deposited will not be paid.
You deposit checks totaling more than $5,525 on any one business day.
You have overdrawn your account repeatedly in the last six months.

How many checks can I include in one deposit?

Can multiple deposits be submitted the same day? One check equals one deposit. Mobile Deposit does not limit the number of checks that can be submitted in one day.

Why am I unable to deposit my check?

Here are a few common errors that may cause your check to be rejected for mobile deposit.

The software is unable to distinguish all four corners of the check. (Reasons: folded or torn corners, insufficient background contrast – too light or dark).
Front image is not legible
Back of check is not endorsed properly
Amounts not matching
Routing and account numbers are unclear
No camera on the device
Image is too dark (Not well lit).

Try using mobile deposit in a well-lit area to prevent shadows and poor image quality. Keep your hands clear of the check while taking the picture.

Can I view past mobile deposits?

Within the “MSA Mobile” App, using Mobile Deposit, you are able to view mobile deposits made during the previous 45 days, including the check images.

Where can I view the Mobile Deposit Service Agreement?

Click here to view the agreement.

(SMS) Text Messaging Questions

Mobile Browser Questions

Downloadable App Questions

Mobile Deposit Questions

Mobile Banking

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