Mobile Banking Frequently Asked Questions

How do I know if my cell phone or PDA is “web-enabled”?

If you have a “minibrowser,” “microbrowser,” or “wireless web” on your device’s main menu, and that feature has been activated, then it is web-enabled. If you don’t find this option, you should contact your wireless carrier to have web-enabled service added to your device — often at an additional cost.

What limitations does mobile banking have?

Unlike computer access at, mobile banking cannot view check images, prior statements, or direct deposit and tax information. It also cannot issue a check to yourself, reorder checks or place stop payments.

What happens when my mobile device times out?

Mobile devices cache and save more information than standard internet browsers to maximize the capabilities of the wireless connection. If at any time it appears as if you’re not receiving updated information, please use the “refresh” option found in the menu items of your mobile browser to update.

Is mobile banking secure?

Yes! Mobile banking uses SSL encryption just like SilverLink Online Banking. Mobile banking also requires your User ID and password to access your accounts. And it uses the same ID Check security feature (challenge questions) as SilverLink Online Banking.

Can I set up my SilverLink access and multi-factor security with a wireless device?

Sorry. Both of these steps must first be done through SilverLink Online Banking with a computer before using mobile banking.

Is there a cost for mobile banking?

No. Depending on the terms of your contract, your wireless carrier may charge you for using web-enabled features on your device.

What happens if I get locked out of mobile banking?

For your security, your account is locked if your login or answers to security questions are entered incorrectly too many times in a row. Should that happen, please Contact Us to have your account unlocked.