Q. Is there a fee for using Mobile Banking?
A. No, First PREMIER Bank’s Mobile Banking is a free service for our personal banking customers. Customers must first be enrolled for personal online banking in order to access Mobile Banking.
Q. Who’s eligible to use Mobile Banking?
A. First PREMIER Bank customers who are at least 13 years of age, maintain an eligible checking or savings account, and who have accepted the Mobile Banking Terms and Conditions are eligible to use Mobile Banking. First PREMIER Bank reserves the right to deny or remove Mobile Banking and/or Mobile Deposit from an individual’s device at any time.
Q. Is my personal or financial information stored on my phone?
A. No, Mobile Banking does not save any files with personal or financial information on your mobile device. This information is housed strictly within Online Banking.
Q. What if my phone or iPad is lost or stolen?
A. If your mobile phone or iPad is stolen, no one can access your account information without knowing your password. To prevent unauthorized access to your account, you can deactivate your lost or stolen device within Online Banking. Select the Options tab and click Manage Device(s) in the Mobile Banking Profile box. Select “Stop Using this Phone for Mobile Banking” from the drop-down menu and click Go.
Q. Is there a wait period after enrolling in Mobile Banking?
A. No, once you have enrolled and activated a mobile banking service, Mobile Banking is ready to use.
Q. What is my Mobile Banking Access ID and Password?
A. The password used for Mobile Banking is the same as what you use to log in to personal Online Banking. If you change your Online Banking password, your Mobile Banking password will also change.
Q. Can I add more than one mobile phone?
A. Yes, you can enroll several mobile devices for Mobile Banking. To add a new phone, log into personal Online Banking, go to the User Options menu and click Manage Devices within the Mobile Banking profile box. Click on the “Add New Device” button and enter the new mobile phone number.
Q. Which accounts can I access using Mobile Banking?
A. You select which accounts you want to access through Mobile Banking through the enrollment process. These are the same accounts that are viewable through personal Online Banking, including checking accounts, savings accounts, CDs and First PREMIER Bank loans.
Q. Can I view check images in Mobile Banking?
A. Mobile Banking does not offer the ability to view check images at this time. You will have to log into Online Banking to view images.
Q. Can I pay my bills through Mobile Banking?
A. Yes, if you are enrolled for our FREE Online Bill Pay, you will be able to pay bills through Mobile Banking. You will not be able to set up new billers within Mobile Banking, for security reasons, you will need to set those up in Online Banking. Once you have your billers set up, you have the option to pay bills, change payments and cancel payments through Mobile Banking.
Q. Is PREMIER Popmoney available in Mobile Banking?
A. Yes, if you are enrolled for our FREE Online Bill Pay, you will have the ability to use Popmoney with Mobile Banking. To access in Mobile Banking, touch the Payments tab and you can send and receive money and review your Popmoney activity. There is a fee for the Popmoney service.
Q. Can I use Mobile Banking if I have a prepaid mobile plan?
A. Mobile Banking works with most prepaid plans, but we cannot guarantee that your carrier supports standard US SMS short codes. T-Mobile prepaid does not support short codes.
Q. Do I need a smartphone to use Mobile Banking?
A. No, Mobile Banking will work with any mobile device that allows text messaging or has access to the Internet.
Q. Are text banking keywords case-sensitive?
A. No, a response with your account balance information will be sent to your mobile device whether you type “BAL” or “bal”.
Q. What if I get locked out of Mobile Banking?
A. If you enter an incorrect password three times, you will be locked out of Mobile Banking and Online Banking. Please contact Online Services at 605-978-9778 during normal business hours to reset your password.
Q. Can I deposit a check using Mobile Banking?
A. Yes, using the Mobile Banking app on your iPhone, iPad or Android device, you can deposit a check. Once you have downloaded the app you will see a “Deposits” tab in your menu one business day following enrollment. It’s as easy as taking a picture with your smartphone! Just press the Deposits tab and follow the easy instructions.
Q. What types of checks can I deposit?
A. You can deposit checks payable in U.S. dollars and drawn at any U.S. bank, including personal, business, and government checks. They must also be payable to, and endorsed by the account holder.
International checks, U.S. savings bonds, U.S. postal money orders, remotely created checks (whether in paper form or electronically created), convenience checks (checks drawn against a line of credit), and cash are not eligible for Mobile Deposit.
Q. Are there limits on the dollar amount I can deposit through Mobile Banking?
A. Yes, there is a $1,000 per check limit and a $1,500 daily limit through Mobile Deposit.
Q. When will my mobile deposit be available?
A. Funds deposited through the Mobile Deposit App received before 6:00 PM U.S. Central time will be available the next business day. Funds deposited through the Mobile Deposit App after 6:00 PM U.S. Central Time will be received the next business day and will be available the business day following receipt.
Q. Is there a fee for using Mobile Deposit?
A. No, First PREMIER Bank’s Mobile Banking and Mobile Deposit are free services for our personal banking customers. Customers must first be enrolled for personal online banking in order to access Mobile Banking and Mobile Deposit.
Q. What should I do with my paper check after using mobile deposit?
A. Write “Mobile Deposit” on the front of your check. Put the day, month and year you deposited it as a reminder.
Securely store your check for 5 days after your deposit. This allows sufficient time in case the original check is required for any reason, after the 5 days you should destroy the check.