Text Message Banking FAQs

  1. Will I be charged for Text Message Banking?

    Text Banking is a free service for Freedom Checking, Simply Checking and Growth Checking customers on the Online Banking platform; otherwise there is a $3.00 per month fee for the service. Want to switch to a Merchants Bank checking account, or convert your exsisting Merchants Bank checking account? Call us at (800) 322-5222, stop by or call one of our statewide branches.

  2. Will Text Message Banking work on my phone?

    Yes it will, as long as you have text messaging enabled with your mobile carrier and use a carrier that the service supports. Please check with your mobile carrier if you are unsure.

  3. Which carriers do you support?

    Our Text Message Banking service works on all major mobile providers in the U.S., including:

    • Alltel
    • AT&T
    • Nextel
    • Sprint
    • T-Mobile
    • US Cellular
    • Verizon Wireless
    • Virgin Mobile
  4. What is the number I should use to send my keyword text messages?

    The short code is 454545. This short code will only work if you have activated the Text Message Banking service on our internet banking site.

  5. Are there any shortcuts for the keywords?

    Yes. The keywords are:

    • STOP = Deactivate service
    • HELP = Help on keywords
    • BAL = Primary account balance
    • BAL CHK = Checking account balances
    • BAL SAV = Saving account balances
    • BAL ALL = All account balances
    • LAST = Last 5 transactions
    • TRANS = Transfer funds to primary account
  6. Are keywords case sensitive?

    No, keywords are not case sensitive. For example, you can type "help" or "HELP."

  7. How long does it take to get a response via text message?

    You'll receive a text message response within a minute. Exact timing will depend on your mobile service carrier.

  8. Is there any password needed for Text Message Banking?

    You don't need a password to access your account information via text message.

  9. How do I deactivate the Text Message Banking service?

    You can text back "stop" to 454545 on your activated cell phone, or you can return to the mobile banking page and click the Deactivate link next to your mobile device number. Your phone will no longer receive any text messages from Mobile Banking. You can add a new phone at any time if you change your mind later.

  10. Why do I need to verify my phone?

     Verifying your phone is an important one-time step that helps to ensure the security of Text Message Banking.

  11. Where do I find my activation code?

    During setup we will send you a text message with your activation code. If you have already submitted your mobile number during setup, please check your mobile device now. You should receive a text message with your activation code within a few minutes.

  12. Can I come back later to enter my activation code?

    Yes. If you experience difficulties, we recommend that you complete the setup process again to obtain a new code.

  13. I still have not received my code, what do I do?

     It might take several minutes to receive your code. If you feel you have waited sufficiently, you can click the Resend Code link. Please check your mobile device shortly for a new text message. If you still do not receive the code, be sure you entered the correct mobile number during setup.

  14. I have a new mobile phone number. Can I change or add my number online?

    Yes. You first need to deactivate your cell phone and add your new cell phone number. You can do this within alerts and mobile set up.

  15. Can I make mobile deposits?

    If you have a smartphone, you can deposits checks with our Mobile Banking app. Click here for more information.