Mobile Banking FAQs

What is Mobile Banking?
How do I enroll and access Mobile Banking?
What is Text Banking?
How do I enroll in Text Banking?
What are the restrictions on the type of mobile devices that can be used to access my accounts?
What happens if I lose my cell phone or it is stolen?
What do I need to do if I get a new phone?
What functions can I perform from my mobile device with Mobile Banking?
What functions and commands are available with Text Banking?
Can I access my accounts from devices other than the one I sign-up?
Can I add a new payee in bill pay or delete a bill pay transaction from my cell phone?
How do I know if my transfer or bill payment was completed successfully?
When I try to enter an amount for a bill payment or transfer, I can’t enter any numbers just letters. Why?
How far back does the transaction history go?
What happens if I lose communication/signal during a transaction?
What if I no longer want to be a Mobile or Text Banking user?
Why will my mobile device not work with Mobile Banking?

Q: What is Mobile Banking?

A: Mobile Banking is a FREE service from Commercial Bank & Trust that allows you to access information, complete transfers between your Commercial Bank accounts and pay bills from your cell phone.

Q: How do I enroll and access Mobile Banking?

A: Enrolling in Commercial Bank Mobile Banking is as easy as 1-2-3.

  1. Log into Commercial Bank NetTeller.

  2. Once you are logged into NetTeller, select the Options tab and click Mobile Settings on the menu bar.

  3. Check the “Activate Mobile Banking Access” and complete the accounts you wish to have access to with mobile banking, your cell phone number and cell phone service provider. Check the “I accept these full terms and conditions” after reviewing the Mobile Banking agreement and press Confirm.

That’s it – you’ll receive a text message confirmation of your enrollment and a link to login and begin using Mobile Banking! Login anytime by going to www.cbtcnet.mobi from your cell phone.

Q: What is Text Banking?

A: Text Banking is a FREE service from Commercial Bank & Trust that allows you to check your account balance or recent transaction history by sending a text message to Commercial Bank. *Your cell phone provider may charge additional fees for text messages. Consult your phone provider for details.

Q: How do I enroll in Text Banking?

A.

  1. Log into Commercial Bank NetTeller.

  2. Once you are logged into NetTeller, select the Options tab and click Mobile Settings on the menubar. Select the Option for “Text Mobile Banking.”

  3. Select “Enable text access for your mobile device” and enter your cell phone number.

  4. Select the accounts you wish to be able to access by text and assign a “Mobile Short Name” to each account. The Mobile Short Name can be used to access information about that specific account. For instance, if you assign “checking” as the Mobile Short Name for your primary Commercial Bank checking account, you could text “BAL checking” to get your current balance on this account.

  5. After you have selected each account that you want to access by text and assigned a Mobile Short Name, press Submit. Check the “I accept these full terms and conditions” after reviewing the Mobile Banking agreement and press Confirm.

  6. After you press Confirm, an Important Notice will appear at the top of your screen. This notice will ask you to text a validation code from your cell phone to Commercial Bank to confirm your enrollment. You will receive a text message confirming your enrollment.

Q: What are the restrictions on the type of mobile devices that can be used to access my accounts?

A: Commercial Bank Mobile Banking works with any web-enabled mobile phone device whose network allows secure SSL traffic. Text Banking works with any device that supports SMS text messaging. Check with your provider to ensure your device is supported.

Q: What happens if I lose my cell phone or it is stolen?

A: With Commercial Bank Mobile banking your account information is not stored on your cell phone. Therefore, your account number and other confidential information cannot be stolen from a lost or stolen phone. However, if you use Text Banking and your phone keeps old text messages, previous automated responses from Commercial Bank regarding your account balance and transaction history could be viewed. Be sure to delete text messages that respond to account balance and transaction inquiries if you are concerned about this information being accessible in the unfortunate even your phone is lost or stolen.

Q: What do I need to do if I get a new phone?

A: If you simply get a new phone, but are using the same phone number and provider, no changes are necessary. If you switch providers, and/or phone numbers, log in to NetTeller on your PC and update your provider and number information under Options > Mobile Settings (on menu bar).

Q: What functions can I perform from my mobile device with Mobile Banking?

A: With Mobile Banking you can:

  • View transaction history
  • View account balances
  • Transfer funds between accounts
  • Pay bills to existing payees

Q: What functions and commands are available with Text Banking?

A: Text one of the following commands to Commercial Bank to receive a response

  • BAL- Balance in All Enrolled Accounts
  • BAL [Mobile Short Name]- Balance in Specified Account
  • HIST- Recent Transaction History for All Enrolled Accounts
  • HIST [Mobile Short Name]- Recent Transaction History for Specified Account
  • HELP- Shows List of Available Mobile Commands
  • STOP- Ends Text Banking Enrollment

Note: Messages are not case sensitive.

Q: Can I access my accounts from devices other than the one I sign-up?

A: Yes, just go to www.cbtcnet.mobi for our mobile formatted site. If your device is web-enabled and allows secure SSL traffic, you will be able to login to your account. However, confirmation text messages (SMS), confirming transfers and bill payments will be sent to the device you sign-up, not the device you are using.

Q: Can I add a new payee in bill pay or delete a bill pay transaction from my cell phone?

A: No, Mobile Banking is limited to sending payments to already established payees. To add a new payee or delete a bill pay transaction, login to NetTeller on your PC, select Bill Payment and complete the action. Once you have setup a new payee, you will be able to submit payments to this payee from your mobile device.

Q: How do I know if my transfer or bill payment was completed successfully?

A: Each time you make a transfer or a bill payment with Mobile Banking, a confirmation text message (SMS) will be sent to your cell phone. If you do not receive the confirmation message, double check to make sure the transaction went through, especially if your cell phone loses signal.

Q: When I try to enter an amount for a bill payment or transfer, I can’t enter any numbers just letters. Why?

A: Check your phones settings and documentation to ensure that your keypad is not set to Alpha-only. For some keypads, you may have to press the button associated with the number more than once to make a number appear.

Q: How far back does the transaction history go?

A: You can view up to 15 days of transaction history on your mobile device.

Q: What happens if I lose communication/signal during a transaction?

A: When you complete a transaction from your mobile device (bill payment, funds transfer, etc.) you will receive an SMS Text Message as confirmation that the transaction was successful. If you do not receive this message due to a dropped call or lost signal, check your accounts and resubmit any transactions that did not process.

Q: What if I no longer want to be a Mobile or Text Banking user?

A: Login to Commercial Bank NetTeller . Select Options > Mobile Settings (on menu bar) and deselect “Activate Mobile Banking Access” and press Agree to end your enrollment in Mobile Banking. Text Banking users can end their enrollment by texting “STOP” to Commercial Bank or deselect their enrollment from the NetTeller Text Banking screen.

Q: Why will my mobile device not work with Mobile Banking?

A: To use mobile banking, you must :

  1. Be enrolled in traditional Internet banking.
  2. Enroll in Mobile Banking through NetTeller.
  3. Have a mobile device that is web-enabled.
  4. Have a mobile network that allows secure SSL traffic. (You may need to contact your mobile provider to determine this.)

If you know your device is supported and you continue to experience problems, contact Commercial Bank Customer Service at 888-518-7053 for assistance.

IMPORTANT, PLEASE NOTE: Use ONLY the navigation buttons provided in mobile banking to return to the previous page or navigate to other pages during a session. Do not use the "back" or "clear" key on your cell phone to return to previous pages. Use of the "back" or "clear" key on many phones may result in incorrect information provided to subsequent inquiries in that session.

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