FAQ

Mobile Banking allows anyone with an online banking account to access their account information from a mobile phone. Mobile Banking offers three ways to access your accounts:

• Send a text message.
• Use a mobile browser on your phone.
• Download an application to your phone.

You can choose any or all of these options, depending on the capabilities of your mobile phone. You can also receive text alerts on your phone. Message and data rates may apply.

Text Messaging Service
You can use the text messaging service to:

• Check your account balances.
• Review recent account activity.
• Find ATM and branch locations.
• Message and data rates may apply.

Requirements
To use the text messaging service, your phone must send and receive text messages to and from a short code. Most mobile phones are capable of sending and receiving text messages, so your phone is most likely compatible with Mobile Banking. Please note that some mobile service carriers charge for outgoing text messages or for each message sent and received. Message and data rates may apply.

A few service carriers are blocking the Mobile Banking service. If your carrier is not one of the major U.S. carriers (AT&T, SprintPCS, T Mobile®, U.S. Cellular®, and Verizon Wireless, Metro PCS), you may want to check with your carrier to make sure you can use the service. All major U.S. carriers, and most secondary ones, support the Mobile Banking service.

Mobile Browser Service
You can use the mobile browser service to:

• Check your account balances.
• Review recent account activity.
• Transfer money between accounts.
• Pay bills.
• Change and cancel pending payments.
• Find ATM and branch locations.

Requirements
To use the mobile browser service, your phone must have an Internet browser and may require a data services plan. Message and data rates may apply. You access the Mobile Banking website from a link that we send you during registration.

Downloadable Application
You can download the Mobile Banking application to your phone. The application offers all the features of the mobile browser service. Message and data rates may apply.

Requirements
To download the Mobile Banking application, your phone must have an operating system that supports application downloads and may require a data services plan. Message and data rates may apply. You download the Mobile Banking application from either the Apple Store or Google Play.

Alerts Service
You can receive automatic alerts with information about your accounts. For example, we can send you an alert when your account balance goes below a threshold amount. You can receive alerts on your mobile phone. Message and data rates may apply.

To ensure the safety and privacy of your account information, we provide some key security features in Mobile Banking:

• Unique Activation Code – We send you a unique activation code to verify your phone number. This code associates your mobile phone with your account. This verification also lets you know your mobile phone number has been successfully registered in our system.
  Message and data rates may apply.
• Authentication – You are authenticated for every interaction with Mobile Banking.
• Encryption- We use 128-bit encryption for all transactions.
• Fraud Detection – We incorporate mechanisms such as transaction validation and transaction reconciliation processes to detect fraud.
• Auditability – We provide full audit capabilities through event logs and event-based reporting.
• No Identifiable Information – We don’t return any personally identifiable information in a text message, such as your full account number, e-mail address, or personal address. We never ask for or include your user ID or password in any message we send. Message and data rates may apply.

No. We don’t save any files with your personal or financial information on your phone. That information stays strictly within online banking.

For some phones we have logo and branding files that we copy to your phone. Those files do not contain any personally identifiable information.

We don’t charge fees to access or use Mobile Banking. You should contact your mobile service carrier for information about fees associated with sending or receiving text messages or accessing the Internet from your mobile phone. Message and data rates may apply.

You can access any account you’ve set up in online banking. When you register for Mobile Banking, you can choose which accounts you want to access.

When you view your account balance, you see the current available balance. When you view transaction history, you see the most recently posted transactions. We don’t show any pending transactions.

Yes. You can register several mobile phones for Mobile Banking.
To add a new phone, go to online banking and access the Mobile Banking pages. On the My Phones page, select Add New Phone.

If your mobile phone number changes, go to online banking and access the Mobile Banking pages. On the My Phones page, find the old phone number and select the option Change my phone number.

If your mobile phone is lost or stolen, no one can access your account without knowing your password, and, in some cases, your unique user name. To prevent unauthorized access to your account, you can deactivate your phone in Mobile Banking.

To deactivate Mobile Banking on your phone, go to online banking and access the Mobile Banking pages. On the My Phones page, find the phone number and select the option Stop using this phone for Mobile Banking.

We support hundreds of models for these major brands: iPhone, HTC, Huawei, LG, Motorola, Samsung. We support phones on the following operating systems: Android and iOS.

Mobile Banking works on all major mobile service carriers in the U.S.: AT&T, SprintPCS, T Mobile®, U.S. Cellular®, Verizon Wireless and MetroPCS. Mobile Banking also works on a number of the smaller service carriers, including (but not limited to) Boost Mobile, Cricket Wireless, Pioneer Cellular, Union Wireless, and Virgin Mobile USA.

Mobile Banking works with most prepaid plans, but we cannot guarantee that your carrier supports standard U.S. short codes. T-Mobile prepaid does not support short codes so you won’t be able to use the SMS text message service of Mobile Banking with T-Mobile prepaid.

To stop using Mobile Banking on your phone, go to online banking and access the Mobile Banking pages. On the My Phones page, find the phone number and select the option Stop using this phone for Mobile Banking.

You can register for Mobile Banking through your online banking service. Be sure to turn on your mobile phone and make sure it’s ready to receive text messages. Message and data rates may apply. When you register for Mobile Banking, you can choose which:

• Services you want to use.
• Accounts you want to access.

During registration, we send you a text message with a unique activation code to verify your phone number. Message and date rates may apply. This code associates your mobile phone with your account. To complete registration, enter the activation code that we send you. This verification lets you know your mobile phone number has been successfully registered in our system.

You can also call (844) 626-2265 to assist you with the registration process.

Yes, you must read and accept our terms and conditions. If you have any questions about the points of our terms and conditions, call (732) 223-4150

For security reasons, only one user can register per phone. However, once you complete the registration process, you can add more phones to your account.

Your activation code expires 24 hours after we send it to you. However, you can always request a new activation code. Go to online banking and access the Mobile Banking pages. On the My Phones page, find the phone number and select the option

Get new activation code. We’ll send you a text message with a new activation code. Message and data rates may apply.

Check the mobile phone number you entered during registration. If it is correct, here are some other options for resolving the issue:

• Verify that your mobile phone is on and able to receive text messages. Check with your mobile service carrier if you’re not sure you can receive text messages. Message and data rates may apply.
• Contact your mobile service carrier and make sure your phone can send and receive messages to and from a standard U.S. short code Message and data rates may apply.
• Request a new activation code. Go to online banking and access the Mobile Banking pages. On the My Phones page, find the phone number and select the option Get new activation code. We’ll send you a text message with a new activation code. Message and data rates may apply.
• . We’ll send you a text message with a new activation code. Message and data rates may apply.

If you’re still having problems with the activation code, call (732) 223-4150 for assistance.

To download the Mobile Banking application, you must:

• Have an online banking account.
• Have a mobile phone that supports downloaded applications. Message and data rates may apply.
• Have a wireless data plan with your mobile service carrier.

Mobile Banking is optimized for iPhones, Androids, and many other types of phones. However, some carriers don’t support application downloads to certain types of phones. If you have any problems downloading Mobile Banking, check with your carrier to make sure it is supported on your phone.

Download the Manasquan Bank App as you would any other application from the Apple Store or Google Play. After you download and install the application, we send you an activation code. Enter the activation code in the Activation Code text box. Click the link to launch the application and go to the Login page.

Every mobile phone and mobile network is different, so you may not be able to download Mobile Banking to your phone. If you’re having trouble, contact your mobile service carrier to make sure your phone supports application downloads.