RTP Federal Credit Union
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Home Banking

Text Message Banking

Frequently Asked Questions about Text Message Banking

Q: How secure is Text Message Banking?

A: Our Text Message Banking service is secure and enrollment is completed behind the Home Banking login. Text messages will never contain confidential information about you or your accounts, and will never contain full account numbers.

Q: Will I be charged for Text Message Banking?
A: We won't charge you, but standard carrier fees for text messaging may apply. Please check with your mobile phone carrier if you have questions about any text message rates that may apply.
Q: Will Text Message Banking work on my phone?
A: Yes, as long as you have text messaging enabled with your mobile carrier it will work on your cell phone. Please check with your mobile carrier if you are unsure.
Q: Which carriers do you support?
A: Our Text Message Banking service works on all major mobile providers in the U.S.
Q: How do I deactivate the Text Message Banking service?
A: You can text STOP to us on your activated cell phone, or you can return to the mobile banking page in Home Banking and click the deactivate link next to your mobile device number. Your phone will no longer receive any text messages from us via Text Message Banking. You can add a new mobile phone at any time if you change your mind later.
Q: Why do I need to verify my phone?
A: Verifying your phone is a one time step and is one way we ensure the security of Text Message Banking.
Q: Where do I find my activation code?
A: 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.
Q: Can I come back later to enter my activation code?
A: Yes you can. If you experience difficulties, we recommend that you go through the setup process again to obtain a new code.
Q: I still have not received my code, what do I do?
A: It might take several minutes to receive your code. If you feel you have waited long enough, you can click the "Resend it" link. Please check your mobile device shortly for a new text message. If you are still experiencing problems, be sure you entered in the correct mobile number during setup.
Q: What is a primary text banking account?
A: Your primary account is the default account that we will use when you text BAL to us with the short code 454545. You should select the account you will likely want to check most often. You can get all account balances by texting BAL ALL to the short code. The primary account is also the account that funds can be transferred into when you use the TRANS (transfer) function.
Q: Can I get the balances of my other accounts?
A: Yes. When you text "BAL ALL" to the short code 454545, we will reply with a message containing the balances of all your checking, savings and any other accounts.
Q: Can I change the primary account selection later?
A: Yes. Simply return to the mobile banking page and select another account from the primary text banking account drop-down list.
Q: What commands or keywords can be used?
A: Text any of the following commands/keywords to the short code 454545:
·   BAL = Primary account balance 
·   BAL ALL = All account balances
·   BAL CHK = Checking account balances
·   BAL SAV = Savings account balances
·   LAST = Last five transactions
·   TRANS $$$ = Transfer the specified dollar amount from your source account to your primary account. ($$$ represents the dollar amount you want to transfer. For example, to transfer $100, enter TRAN 100)
·   STOP = Deactivate service
·   HELP = Help on commands
Q: Are commands/keywords case sensitive?
A: No, commands/keywords are not case sensitive. For example, you can type "help" or "HELP".
Q: What is the number I should use to send the commands/keywords?
A: The short code is 454545. This short code will only work if you have activated the Text Message Banking Service.
Q: How long does it take to get a text message?
A: You'll receive a text message response within a minute. Exact timing will depend on your mobile service carrier.
Q: Is there a way to communicate via text messaging with a representative at the credit union using Text Message Banking?
A: No, credit union representatives can not be contacted via text messaging. However, for questions or concerns regarding RTP FCU Text Message Banking services, you may contact the credit union by calling (919) 941-5700.
Q: Is there any password needed for Text Message Banking?
A: You do not need a password to access your account information via text message. We never send confidential information such as member numbers, passwords, or complete account numbers via text message.
Q: I have a new mobile phone number. Can I change or add my number online?
A: Yes. You first need to deactivate your previous cell phone number within the mobile banking page, or text STOP to 454545 (from the old phone number). Then click "Activate" on the mobile banking page and set up the new cell phone number.
Q: I moved my mobile phone number to a new mobile carrier or purchased a new phone. Will Text Message Banking still work?
A: Yes. Since your phone number has not changed, there is no need to re-register for the service.
Q: I lost my phone or it was stolen. What should I do?
A: Call your mobile carrier to notify them that your phone was lost or stolen. Then login to Home Banking and cancel Text Message Banking on that phone number.
Q: I deactivated my mobile phone number and no longer use it. Should I do anything?
A: Because phone numbers are often recycled by the mobile phone carriers, as an extra precaution, deactivate your phone number in Home Banking.
Q: Is it possible to stop the weekly account balance notifications?
A: Yes. Just go to the mobile banking page and click the weekly account balance notifications check box to deselect it, and then save your changes.
Q: Can I get a text alert when my primary account balance falls below a certain amount?
A: Yes. First, go to the mobile banking page, select the low balance alert checkbox and enter a dollar amount (minimum $50) and save your changes. Thereafter, you will receive a low-balance text alert whenever your primary account balance falls below this specified dollar amount.
Q: Can I transfer funds into my primary account using my mobile phone?
A: Yes, if you have selected a "transfer source" account on the mobile banking page. Then, for example, texting TRANS 400 to the short code 454545 will transfer $400 to your primary account from the transfer source account. You will then receive a confirmation message with updated account balances for both accounts. Please be aware that you can only transfer funds into your primary account.
Q: I share a joint account. Can I set up two mobile phones for the same primary account?
A: Yes. After you set up the first number, you can select the "Activate another phone" link on the mobile banking page and then complete the simple two-step process. 
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