1. General Information
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What is Mobile Banking?
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Mobile Banking is a free, easy and convenient service provided by Tri Counties Bank that gives you access to your accounts
right from your mobile phone. This safe and secure service allows you to access your account balances and activity, transfer
funds and receive account alerts right on your mobile phone.
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Q |
How much does Mobile Banking cost?
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There is no fee to use Mobile Banking. Tri Counties Bank will not charge you a fee when you send a text message command to
Tri Counties Bank, when you receive the corresponding reply, when you are sent an alert or when you access the Mobile Web feature.
However, standard wireless carrier charges do apply. This includes your wireless carrier’s applicable SMS (text messaging) fees.
Please make sure that you understand the terms of your service with your wireless carrier before taking advantage of our Mobile Banking service.
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What services are required on my mobile phone?
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All you need is a wireless carrier plan that allows for the sending/receiving of text messages and/or mobile internet services.
Please note: Mobile internet services are only required when using the Mobile Web feature.
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Do I have to be an Online Banking customer to use Mobile Banking?
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No. You do not have to be enrolled in Online Banking to take advantage of Mobile Banking.
However, it is necessary to enroll in Mobile Banking via the Tri Counties Bank website. You will need internet access
to enroll and update account information or setup alerts.
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Q |
What does SMS stand for?
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SMS stands for "Short Message Service." This is a communications protocol that allows the interchange of short text messages
between mobile phones. The term "SMS" is commonly used interchangeably with "text message" or "texting."
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Are there limitations to SMS text messages?
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Yes. SMS messages are limited to 160 characters, must consist of only numbers, letters and special characters,
and cannot contain images, rich text (such as bold, underlined text, etc.) or other content or formats.
Text messages that have content overflow over the 160 character maximum are sent in an additional or separate text message.
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Q |
What is a shortcode?
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A shortcode is a 4-6 digit code translated from letters to numbers on a standard mobile phone keypad. The shortcode allows
you to communicate with Tri Counties Bank via SMS. Tri Counties Bank’s shortcode is GoTCB (46822).
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Q |
Is there anything else I should know about a shortcode?
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Yes. Please understand that the shortcode translation from letters to numbers only conforms to a standard keypad on a mobile
phone (and not the keypad associated with some more advanced mobile phones). More specifically, please refer to the following
graphic that represents the translation of letters to numbers for shortcodes. In our case, GoTCB can be numerically chosen by
hitting the phone pad keys 46822.
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Q |
How do I know if my mobile phone supports SMS (text messages)?
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The majority of all mobile phones in the U.S. now support SMS (text messages), so the chances are good that your
mobile phone is capable of sending and receiving text messages. To find out for certain, contact your wireless carrier for assistance.
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Q |
Will Text Banking & Alerts work on my mobile phone?
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Yes. These services will work provided that your mobile phone has the ability to send and receive text messages, and that you
subscribe to a wireless carrier that supports Tri Counties Bank Text Banking. You may want to contact your wireless carrier,
or check your service plan to make sure your mobile phone is capable of sending and receiving text messages.
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Q |
Which wireless carriers are supported by the Mobile Banking service?
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The following wireless carriers are supported by the Mobile Banking service:
- Verizon
- AT&T
- Sprint
- Nextel (division of Sprint)
- Boost Mobile (division of Sprint)
- T-Mobile
- US Cellular
- Unicel
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Which wireless carriers are not supported by the Mobile Banking service?
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- MetroPCS
- Cricket/Leap Wireless
- Tracfone
- Straight Talk
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Q |
I have a prepaid wireless plan. Can I still use Text Banking & Alerts?
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Tri Counties Bank Text Banking & Alerts will work with most prepaid plans, but we are unable to guarantee that your carrier
supports the six-digit U.S. shortcode 999999. Please verify this information with your service provider.
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Q |
Is Mobile Banking secure?
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Yes. Tri Counties Bank is dedicated to protecting your personal and account information. We use a variety of technologies,
procedures, and programs to help ensure that all of our products and services remain safe and secure. You will not need to
install any additional software to ensure security. In addition, Mobile Banking does not disclose any information that can
be used to steal your identity or commit fraud. We use nicknames rather than account numbers and/or customer names in our alerts
and Text Banking commands and responses. In addition, no monies will ever leave the bank.
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Q |
Are Mobile Banking text commands case sensitive?
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No. You will receive your account balance whether you type the command "BAL" or "bal".
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Q |
Is the Username and Password for the Mobile Web case sensitive?
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When you log into the Mobile Web at https://gotcb.mobi, you are required to input the Username and Password that
you created during the enrollment process. The Username is not case sensitive, but the password is case sensitive.
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Q |
I forgot my Username and Password. What do I do?
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Go to the Mobile Banking enrollment site at https://gotcb.mobi/enroll, and click the Forgot Username or Password link to
retrieve your Username and/or Password.
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Q |
Will I ever receive unwanted text messages while using Mobile Banking?
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No. You will never receive a text messages that you did not request. Mobile Banking responses will only be sent
after we have received a valid Mobile Banking command from you. In addition, you will only receive a Mobile Banking Alert
after the event has occurred that you have previously elected to be contacted about (and that you have specifically elected
to be contacted via SMS).
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Q |
Can I access my accounts via Mobile Banking from any mobile phone?
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No. For security purposes you may only access your accounts via Mobile Banking from registered mobile phones. This is
to ensure that the incoming Mobile Banking requests from the specific mobile phone match the mobile number(s) provided
in the Mobile Banking enrollment. It further ensures that you are indeed the requesting party to prevent fraudulent
users from accessing your accounts.
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Will any confidential bank information be stored on my mobile phone?
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No. There is no account number, name or password information contained in the text messages sent
to your mobile phone via Mobile Banking. However, it is important to keep in mind that these incoming
messages are stored in your mobile phone, and it will be your responsibility to clear out your text messages on a periodic basis.
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Q |
What happens if I lose or replace my current mobile phone?
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For security reasons, if your mobile phone is lost, you will need to immediately contact your wireless carrier to deactivate
service on your phone. If the phone number will not be changing on your mobile phone, all Mobile Banking functions will remain
enabled. If the phone number has changed, you will need to log into Mobile Banking at https://gotcb.mobi/enroll, and select
the Phones link. You will then delete the old/unused phone number and add the new phone number to the system. A verification
pin will be sent to the new phone number, so it will be necessary to have your mobile phone in hand while adding the new phone number.
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5. Capabilities / Commands
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Where do I send my account inquiries when using Text Banking?
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Send your text messages to the shortcode GoTCB (46822). Note: We recommend adding GoTCB (46822) to your contact list
in your mobile phone for easy access and recognition when sending and receiving SMS responses and commands.
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Q |
What balances will display on my response back from Tri Counties Bank?
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Current and Available balances will be displayed. It should be noted that the Available balance will include any
applicable Overdraft Privilege amounts on the account(s).
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Q |
Can I make a payment to my consumer loan using Mobile Banking?
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Yes! Loan payments may be made to consumer loans using the transfer command. Simply type in the transfer command (TR),
select the account from which you would like the payment made, the loan nickname and the amount to be paid.
For example: Tr Ck1 LN 1500.00.
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What should I not do when formatting or sending text messages to Tri Counties Bank?
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Yes. There are a few helpful tips we can provide.
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Avoid using a signature: Many mobile phones have the capability of attaching a signature to your
outgoing text messages. This is similar to the feature found in many email programs. For best results, please
remove the signature from any text messages you send to Tri Counties Bank.
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Avoid replying to a previous Tri Counties Bank text message: It is possible that when you "Reply" to any of
your previous Tri Counties Bank text messages, your text message may carry additional text that isn't visible to you while
you are creating the SMS message, but will make it unreadable to the Mobile Banking service. For the best possible results,
always send new SMS messages to GoTCB (46822) as opposed to replying from previous SMS messages.
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Q |
While viewing my account history I noticed a transaction with a (p) next to it. What does that mean?
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(p) indicates a pending transaction on your account. Any transactions that are being posted to your account for the current business
day will show up with (p). You should also note that any Overdraft Privilege funds that you may have on your account will also show
up as a pending transaction.
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Q |
What does it mean when I see "1/2" or "1 of 2" on my screen?
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"1/2" or "1 of 2" means you are reading the first message in a series of two messages. This is labeled as "1/2" to ensure you
will read your text messages in the correct order. Sometimes wireless carriers may deliver SMS messages out of order.
Therefore, we number our messages, so you can understand the correct sequence of the messages being sent to you.
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Q |
My results were sent as multiple messages. Some messages arrived first. Why did it take longer for the others to arrive?
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Depending on your wireless carrier, it may take some time for Mobile Banking messages to be delivered. If you receive one message,
it means that we've sent all the messages to you, and you should receive them shortly. It may take a few minutes for you to receive them all.
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Why are my results sent as multiple messages?
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Each response you receive from Tri Counties Bank may vary in size because all text messages are limited to a maximum
of 160 characters. Sometimes Tri Counties Bank will not be able to send all of your account information in one single
message because it exceeds the 160-character limit. For example, you may only be able to view 3 transactions at a time.
In this case, your account information will be sent over multiple messages (numbered in sequence order as sent).
Please note, however, that no more than five concurrent SMS messages will be sent at a time.
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Can I access Mobile Banking from the browser on my mobile phone?
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Yes. You will want to visit https://gotcb.mobi via your browser on your mobile phone. When accessing Mobile Banking from
your mobile phone’s browser, you will be required to enter a username and password as an additional security measure.
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6. Alerts
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What is a Mobile Banking Alert?
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Mobile Banking Alerts: Enables you to receive a version of Tri Counties Bank alerts delivered to your
mobile phone in the form of an SMS Message (also known as a text message). You may receive account activity alerts
delivered to your mobile phone.
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Q |
What will I need in order to activate and receive Mobile Banking alerts?
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You will need a personal checking, savings, or money market account and a mobile phone with the ability to
send and receive SMS (text) messages.
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What alerts can I sign up for?
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The following alerts are available to Tri Counties Bank Mobile Banking users:
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Low Balance - provides an alert when your balance is below a previously defined threshold
(which you set up in the enrollment application when you register for this service).
- Deposit Confirmation - provides an alert when a deposit is posted to your account.
- Check Cleared - provides an alert when a check clears.
- Overdraft Posted - provides an alert when an overdraft fee is posted.
- Withdrawal Confirmation - provides an alert when a withdrawal is posted.
- Withdrawal Threshold Exceeded - provides an alert when a withdrawal posts that is in excess of your defined threshold
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Q |
How do I cancel my Mobile Banking alerts?
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Send a text message with the “STOP” command to GoTCB (46822), and we will send you a confirmation message notifying you that you will
no longer receive alerts from Tri Counties Bank.
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How do I re-enable Mobile Banking alerts after I cancel them?
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Go to https://gotcb.mobi/enroll, log into the Mobile Banking website and click "Alerts" to configure alerts for your account(s).
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How do I change my Mobile Banking alerts?
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Go to https://gotcb.mobi/enroll, log into the Mobile Banking website and click “Alerts” to configure alerts for your account(s).
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