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Mobile Banking FAQ

Mobile Banking Frequently Asked Questions

How do I set-up Mobile Banking?

To access the Bank’s Downloadable App on your device, download the app from Google Play or the iTunes App Store.

To access the Mobile Browser or Text Messaging mobile banking services, from your personal computer, login to Internet Banking and select Options. Under the section titled Mobile Banking Profile click on Enroll Now or Manage Devices. You will be directed to the online enrollment page where you will be able to choose the Mobile Banking service(s) that you prefer. Please be aware that the activation code you receive during the enrollment process is valid for only 24 hours.

In order to enroll for Mobile Banking you must have:

  • At least one active deposit or loan account at First Utah Bank
  • Access to Internet Banking – Enroll Now!
  • Valid U.S. mobile phone number
How do I deposit a check through Mobile Banking?

Depositing checks using your SmartPhone is easy! Once you’ve installed Mobile Banking, login and click on the Deposits icon. Choose New Deposit then select the account you would like to deposit the check in to. Enter the amount of the check. You will then be instructed to take a picture of the front of the check and preview it. You will then be instructed to take a picture of the back of the check and preview it. If needed, you may retake either the front or back image. When you take the pictures, make sure to include all four corners of the check. Finally, confirm your deposit details and if correct, click Yes to deposit your check.

Be sure to endorse each check that you deposit as follows:

John Doe (your signature)
For First Utah Bank Mobile Deposit Only. Account # _________

Improper endorsement is the most common reason for mobile deposit rejection. Please be sure to endorse every check you deposit through Mobile Deposit with all of the information shown above.

You may make deposits anytime. If we receive and accept your deposit before 6:00 PM Mountain Time on a day that we are open, you will receive same-day credit. If we receive the deposit after 6:00 PM, don’t worry, you’ll receive credit the following business day.

You will not be able to see the deposit in your current day presentments, however, using the Mobile Banking App you may view deposit status by clicking View Deposit History in the Deposits section of the App.

Is Mobile Banking secure?

Yes. Mobile Banking employs industry best practices with regards to security. Customers are authenticated by username and password and 128-bit encryption is used within Mobile Banking. Mobile Banking is completely integrated with Internet Banking which means you can view and complete transactions using the same login process whether you are on your mobile device or personal computer. You can even switch back and forth, depending upon where you are and which service best suits your needs at the time.

If you choose to use the Downloadable App service, be aware that anytime you close the app you will be automatically logged out of your account(s). Additionally, if you leave the app open but inactive, you will be automatically logged out of your account(s) after 5 minutes. If you are using the browser-based service, you are automatically logged out after 10 minutes.

Is my personal or financial information stored on the phone used to access Mobile Banking?

No. Mobile Banking does not save any files with personal or financial information on your mobile device. That information stays strictly within online banking. Some phones have logo and branding files that are copied to the mobile device. Those files do not contain any personally identifiable information.

What if my phone is lost or stolen?

If your mobile device is lost or stolen, no one can access your account(s) without knowing your access credentials. To prevent unauthorized access to your account, you can deactivate your phone in Internet Banking. To deactivate your mobile device, login to Internet Banking and select Options. Under the section titled Mobile Banking Profile click on Manage Device(s).

Is there a fee for Mobile Banking?

No. First Utah Bank does not charge a fee for you to use our Mobile Banking services. However, carrier message and data rates may apply. Please check with your wireless provider for more information about carrier charges or your mobile phone account and service plan*.

Can I use more than one of the services available under Mobile Banking?

Yes, however, we would highly recommend that you select and install one new service at a time to simplify the installation process.

Which accounts can I access through Mobile Banking?

You can access any account you have set up in Internet Banking. You select which accounts you want to access using Mobile Banking during the enrollment process.

How current is the account and transaction information?

When you view your account balance, you see the current available balance. When you view transaction history, you see the most recently posted transactions.

Can I add more than one mobile phone?

Yes. You can enroll several mobile devices for Mobile Banking. To add a new device, simply install the First Utah Bank mobile banking app on the new device or login to Internet Banking and select Options. Under the section titled Mobile Banking Profile click on Manage Device(s).

What if my mobile phone number changes?

Simply update your mobile phone number. Login to Internet Banking and select Options. Under the section titled Mobile Banking Profile click on Manage Device(s).

Which phones can I use to access Mobile Banking?

The Mobile Banking App is available on Apple® and Android™ smartphone and tablets. You may also use Mobile Banking on other device browsers.

Which mobile service carriers support Mobile Banking?

Mobile Banking works on all major mobile service carriers in the United States. Mobile Banking works with most prepaid plans, but we cannot guarantee that your carrier supports standard U.S. short codes. Certain carriers may block premium messages (text messages from short codes) by default. If you are having trouble activating Mobile Banking because you are not receiving the expected text messages required for activation, you may need to contact your carrier and request that premium messages be allowed on your account.

What is this mbgo.net link in the text message(s)?

mbgo.net is the domain name that Mobile Banking resides on. It should be considered trusted and secure.

How do I get the app on my smartphone?

To access the Bank’s Downloadable App on your device, download it from the Google Play or iTunes App Store. After you download the TouchBanking application, you will be asked to enter an App Code to activate it. The App Code is GoMobile0815. You will also be asked to enter your Username, answer multifactor authentication questions, and enter a password. These credentials are the same ones that you use when you access Internet Banking. If you are not currently enrolled in Internet Banking, you may self-enroll by clicking here.

How do I access the website for Mobile Browser Banking?

When you activate the service for the first time, you will receive a text message containing the browser URL. Please be sure to save this as a favorite on your mobile device browser.

What are the Mobile Text Messaging commands?**

Send the following text messages to 96924 to get information on your accounts:

  • BAL – balance for all accounts signed up for Mobile Text Messaging
  • HIST(space)Mobile Account Nickname (example: HIST 1) – last four transactions
  • MORE – use this command immediately after a HIST command to receive the next four transactions
  • ATM(space)Zip Code – find the nearest ATM
  • BRANCH(space)Zip Code – find the nearest branch office location
  • HELP – use this command if you forget how to use Mobile Text Messaging
  • STOP – use this command to unenroll your device for Text Messaging

Note: Text messages are not case-sensitive. Whether you type “BAL” or “bal”, a response with your account balance information is sent to your mobile device.

I want to be able to locate ATMs within the MoneyPass network to avoid ATM surcharges. Can I use Mobile Banking to find MoneyPass locations?

Yes. You’ll find the MoneyPass ATM Locator link when you open the Mobile Banking App. You may also visit http://www.moneypass.com/atm-locator.aspx or download the free MoneyPass app on your smartphone (available to both iPhone® and Android™ users).

Why are the responses to my Mobile Text Messaging requests sent as multiple messages?

Text messages are limited to 160 characters. If your account information exceeds the character limit your account information is sent in multiple messages – no more than five at a time.

How do I set up Mobile Alerts?

Learn more about First Utah Bank’s Messenger service by clicking here.

I have text messaging enabled on my mobile device, why can’t I receive text messages from Mobile Text Messaging?

Your mobile service carrier may be blocking short codes or you may have blocked short codes on your mobile device. Short codes must be enabled to use Mobile Text Messaging. Short codes are abbreviated phone numbers, usually five digits, used to send Mobile Text Messages.

Is Mobile Banking available for Cash Management Internet Banking?

Currently, Mobile Banking is only available through Internet Banking. Contact Internet support at 801.308.2273 for more information about how we may be able to help you gain mobile access to your business accounts.

*First Utah Bank does not charge a fee for you to use our Mobile Banking services. However, carrier message and data rates may apply. Please check with your wireless provider for more information about carrier charges or your mobile phone account and service plan.
**Text “STOP” to 96924 at any time to cancel. Text “HELP” to 96924 for help or call Internet support at 801.308.2273 during regular business hours.
iPhone® is a trademark of Apple, Inc. Android™ is a trademark of Google, Inc.