NOW AVAILABLE! Our Mobile Banking Business app is easy to use, simple to download, and gives your business anytime access to manage accounts. You now have the ability to:
• Grant permissions to those who need to access your business
• View account balances and transaction history
• Transfer funds from one internal account to another
• Receive alerts to approve ACH originations and/or Wire Transfers
• Deposit funds using mobile deposit capture
Frequently Asked Questions:
HOW SECURE IS BUSINESS MOBILE BANKING - Mobile banking is very secure. In fact, it offers the same level of protection as our Online Banking service. It offers multiple layers of authentication to prevent unauthorized access.
- Account information is encrypted to safeguard your information
- We use industry best practices to continually monitor and protect your information along with security tokens specifically assigned to the individual user
- No identifiable information - we don’t return any personal information in a text message, such as your full account number, email address or personal address
- We never ask for or include your User ID or password in any message we send
IS MOBILE BANKING FREE? - There is no charge for using our Mobile Banking service. Standard fees apply for bill payments and Popmoney® person-to-person payments made through Mobile Banking. Also be aware that message and data rates may apply from your mobile carrier.
DO I NEED TO BE ENROLLED IN CASH MANAGEMENT ONLINE BANKING TO USE MOBILE BANKING? - Yes. You must be enrolled in Cash Management Online Banking before using any of the Mobile Banking options.
DO I NEED A NEW USER ID AND PASSWORD FOR MOBILE BANKING? - No, use the same User ID and password you use to log on to Online Banking.
DO I NEED INTERNET ACCESS TO USE MOBILE BANKING? - Internet access is required to use the Mobile app.
WHAT TYPE OF MOBILE DEVICES WORK WITH THE MOBILE BANKING APP? - The Mobile Banking app works on smartphones or tablets running either the Apple iOS or Google’s Android operating system. Your mobile device must be web-enabled. Your mobile device should have the “browse secure/SSL sites” enabled, CSS turned on and JavaScript enabled. Contact your mobile provider for support with any of these steps.
CAN I USE MULTIPLE MOBILE DEVICES TO ACCESS MOBILE BANKING? - Yes.You can use any number of compatible mobile devices for our Mobile Banking service.
WHAT TYPES OF ACCOUNTS CAN I ACCESS WITH MOBILE BANKING? - You can access any account for which you have permissions.
IS THERE A WAITING PERIOD TO USE MOBILE BANKING? - There is no waiting period.
- First, notify your Iowa State Bank banker that you’re interested in using Mobile Banking
- Download the Iowa State Bank Business Mobile Banking App and install it. Then just log on using the same credentials you use for Online Banking
WHAT IF I LOSE MY MOBILE DEVICE? - You can deactivate your device in Mobile Banking.
- Log on to Online Banking to access your Mobile Banking preferences
- Locate the phone number and select the option “Stop using this device for Mobile Banking”
- No personal or financial information is saved or stored on your mobile device
- It’s also a good idea to lock access to your mobile device to prevent unauthorized access
HOW SHOULD I ENDORSE A MOBILE DEPOSIT CHECK? - Be sure that the back of the check is endorsed, as usual, plus include the words “For Mobile Deposit” to identify the item as a Mobile Deposit.
WHEN ARE THE FUNDS AVAILABLE FROM A MOBILE DEPOSIT? - Mobile Deposit funds are generally available on the next business day, just like any deposit.
WHAT SHOULD I DO WITH MY PAPER CHECK? - Securely store your check for 14 business days, then destroy the original paper check.
WHAT TYPES OF CHECKS CAN I DEPOSIT? - You can deposit any check drawn on a U.S. financial institution.The following items cannot be deposited using Mobile Deposit:
- International checks
- U.S. savings bonds
- Postal money orders
WHAT DOLLAR LIMITS APPLY TO MOBILE DEPOSIT? - You may make any number of Mobile Deposits with a limit per check of $5,000 and a daily limit of $10,000. Each Mobile Deposit includes one deposited check only.
