Home Mobile Banking FAQ

Mobile Banking FAQ

What functions can I perform with Mobile Banking?

All modes allow you to view account balances and recent activity, and to transfer funds. Mobile browser and downloadable applications also have transaction search functions and a location finder for CO-OP Network ATMs and Shared Branch locations.

How do I sign up for Mobile Banking?

Logon to www.co-opmobile.org and you will be guided through steps to authenticate your account and to register your cell phone or device. At the end, you will receive an activation code which you will need to activate the service on your phone.

What if I forgot my password or user ID?

If you forgot your password, go to www.co-opmobile.org, select Mid American Credit Union from the drop-down menu, then click the “Forgot your password?” link on the next page. This will allow you to reset your password. If you forgot you user ID, please call our Financial Services department at 316-722-3921, ext. 202.

What access modes are available?

Text Banking – access via text messages to and from a shortcode. 

Mobile Banking Browser – access via mobile web browser (WAP 2.0 or higher and cookies-enabled support required).

Mobile Banking Downloadable Application – for supported device types only, access via a downloadable application that you install on your phone for a richer user interface. If your phone is supported, a link will be provided to download the application.

Can I use the service on more than one phone?

Yes. Visit the enrollment website to add and another phone.

Is Mobile Banking secure?

Yes, the mobile browser and downloadable application utilize best practices for secure online banking such as HTTPS, with a minimum of 128-bit SSL encryption, password access and application time-out when your phone is not in use. Only the phones that you personally enroll in the service can access your accounts. No confidential information is ever stored on your phone. If your phone is lost or stolen, the service can be immediately disabled either by going online to the Mobile Banking enrollment website or calling Financial Services at 316-722-3921.

Is Text Banking secure?

Yes, only the phones that you personally enroll in the service can access your accounts. If your phone is lost or stolen, the service can be immediately disabled either by going online to the Mobile Banking enrollment website or calling Financial Services at 316-722-3921. In addition, no confidential information is transmitted in text messages. Users should delete text messages after obtaining information.

Which wireless carriers are supported?

We support all the major US wireless phone carriers, as well as several regional carriers. If your carrier is not listed when you enroll, select 'Other' and try the Mobile Banking web browser option, or check back later, as new carriers are added periodically.

Do I need a text message or data plan?

A text messaging and/or data plan is not required, but “pay-as-you-go” data usage can become expensive without them. Check with your wireless carrier for more information.

Which modes are supported on my phone?

Text Banking will work on any text message-capable phone from one of the supported carriers. Mobile Browser is supported on most phones with a web browser (minimum WAP 2.0) that supports cookies. The downloadable application is supported for certain devices, such as many of the smart phone platforms. If you have a supported device, a link is provided to download the application. If your phone does not have an application, you can still use the mobile browser access.

How do I access Mobile Banking using my phone's browser?

After successful activation, your phone will receive a text message with your Mobile Banking URL.

How do I install the downloadable application?

  • Your phone will receive a text message from your credit union. View or open the message.
  • Select the URL link in the text message to go to the Mobile Browser screen. This is typically done by selecting a command on your phone's menu, such as "Connect" or "Go To."
  • If your phone is supported, a link appears at the bottom. Click this link to download the application.
  • After launching the application for the first time, you may be asked to give permission to access the data network.

What are the Text Banking commands?

FUNCTION COMMAND DESCRIPTION

Balance

B

Summary of available balances for all accounts

Transfer

T

Transfer funds among your accounts

History

H

Summary of recent transactions per account

Command

C

List of available Text Banking commands

Help

HE

Help content for Text Banking

Login

L

Receive a URL for the CO-OP Mobile Browser website

Recover

R

Receive a URL and new activation code for the CO-OP Mobile Browser web site

Stop

S

De-activate all CO-OP text services

NOTE: You can receive all available commands by activating your phone and sending C to the credit union shortcode.

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

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 phone has a wireless signal and is enabled for text messaging. In addition, be sure you entered the correct phone number on the enrollment site.

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

Activation codes expire after 24 hours. If you need a new one, return to the Mobile Banking enrollment site, click on ‘Manage Devices’, and request a new activation code for the phone on the Mobile Banking Center screen.

What happens if I get a new phone or change phone numbers?

If you get a new phone or change phone numbers, return to the Mobile Banking enrollment site on your PC and update your device on the Mobile Banking Center screen. You will actually be removing your phone and re-enrolling your new phone or phone number information.

I activated Mobile Banking on my phone's browser. Why am I being asked to activate again?

At the time of activation, a "cookie" is stored on your phone's browser which allows the Mobile Banking system to remember that you activated. Some phones may require you to enable cookies or periodically erase them, requiring reactivation. If you are experiencing this issue, check your phone settings to ensure that cookies are enabled. To re-activate your phone, text ‘R’ to CUACCT to receive a new activation code or visit the enrollment site.

What if my device is lost or stolen?

If you are concerned about misuse of your phone, contact your mobile service provider immediately to stop all wireless service. Additionally, re-visit the Mobile Banking enrollment site and disable or remove your phone.

I keep receiving text message responses stating that an unknown command was received. Am I doing something wrong?

If you receive this text messaging response, you could be sending an invalid command, or you have an auto-signature turned on for text messaging. Send C to shortcode 282228 for a list of valid commands. Turn off auto-signatures or delete the signature from commands sent to 282228. Signatures send additional text in the message which can result in an ‘unknown command’ response.
Mid American Credit Union8404 West Kellogg DriveWichita, KS 67209316.722.3921Fax 316.722.0920Privacy Policy