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Mobile Banking FAQs

Questions

General

How much does this service cost?
Is it secure?
Do I need a text message or data plan?
I’m not enrolled for online banking. Can I still use this service?
What is Enrollment?

Mobile Banking

What is The Bank of Kremlin Mobile Banking?
How do I sign up for Mobile Banking?
Is Mobile Banking supported on my phone?
How do I install the downloadable phone application?
Is Mobile Banking supported on my tablet?
How do I install the downloadable tablet application?
How do I access Mobile Banking on my device’s browser?
I activated Mobile Banking on my device’s browser. Why am I being asked to activate again?
How do I optimize my mobile web experience?
What is Spendable Balance?

Text Banking

What is The Bank of Kremlin Text Banking?
What is The Bank of Kremlin shortcode?
Can I use both Text Banking and Mobile Banking on my phone?
Is Text Banking supported on my phone?
How do I enroll in SMS Text Banking?
Which wireless carriers are supported?
Will I receive unsolicited text messages?
What are the Text Banking commands?

Troubleshooting

I enrolled my phone number for SMS text banking but did not receive a text message. What should I do?
I received an activation code for SMS text banking but never used it. What do I do now?
What happens if I get a new mobile device or change phone numbers?
Can I use Mobile Banking or Text Banking on more than one device?
I activated Mobile Banking on my device’s browser. Why am I being asked to activate again?
What if my device is lost or stolen?
Do I need to re-enroll into Mobile Banking after I purchase a new device?
Do password reset requirements for internet banking affect my ability to perform Mobile Banking functions?
I’m receiving an invalid credentials error message even though I’m entering valid credentials. What should I do?
BlackBerry Support – Enabling JavaScript for the mobile browser application

Answers

General

How much does this service cost?

This services is free. There may also be charges associated with text messaging and data usage on your phone. Check with your wireless phone carrier for more information.

Is it secure?

Yes, the Mobile Banking service utilizes best practices from online banking, such as HTTPS, 256-bit SSL encryption, or password access and application time-out when your phone is not in use. In addition, no account data is ever stored on your device. And in the event your device is lost or stolen, the service can be immediately disabled by either going online to the Mobile Management website or calling us.

Do I need a text message or data plan?

Yes, a text messaging and/or data plan is typically needed, as data usage and/or text charges can become expensive without them. Please check with your wireless carrier for more information.

I’m not enrolled for online banking. Can I still use this service?

You must first enable your bank account(s) for online banking before using mobile.

What is Enrollment?

Enrollment is a one-time process that helps maintain your security. The enrollment process for both native and mobile browser Mobile Banking applications requires you to download the application, sign-in using your online banking Access ID and Passcode, answer security questions, accept the Terms and Conditions, and finally entering your device phone number (not applicable for tablets). The enrollment process for SMS text banking requires you to log in to online banking, select the Mobile Management link under the All Services & Settings tab, and follow the instructions to retrieve an activation code. The activation code will be required to begin using SMS text banking on your device.

Mobile Banking

What is The Bank of Kremlin Mobile Banking?

Mobile Banking gives you access to your accounts from your mobile web browser or a downloadable Mobile Banking application, depending on your preference and your phone capabilities. Both options allow you to: view account balances, search recent account activity and transfer funds.

How do I sign up for Mobile Banking?

You must enroll your mobile device. The enrollment process for both native and mobile browser Mobile Banking applications requires you to download the application (for native) or enter the application URL (for browser), sign in using your online banking username and password, answer security questions, accept the Terms and Conditions, and finally enter your device phone number (not applicable for tablets). The enrollment process for SMS text banking requires you to log in to online banking, select the Mobile Management link under the All Services & Settings tab, and follow the instructions to retrieve an activation code. The activation code will be required to begin using SMS text banking on your device.

Is Mobile Banking supported on my phone?

Native mobile applications are available on many smartphones including: iPhone® and those utilizing the Android® operating system. Mobile Banking is also supported on most phones with a mobile web browser that supports cookies. Both native and mobile web browser applications can be found either by searching the app store on your phone or by entering the mobile web URL (https://mBanking.firstdata.com/wap/home/bkkok/en) in your phone’s browser.

How do I install the downloadable phone application?

  • Native downloadable phone applications can be downloaded directly from iTunes® or Google Play® on your device.
  • Alternatively, you can enter the following URL link (https://mBanking.firstdata.com/wap/home/bkkok/en) in your device browser to connect to the mobile browser application.
  • Next, access the global navigation menu and look for a Download link. Click this link to download the application. If this link is not visible, a downloadable application is not available for your device.

Is Mobile Banking supported on my tablet?

Native mobile applications are available on many tablets including: iPad®, Kindle Fire® tablets, and those tablets utilizing the Android® operating system. Mobile Banking is also supported on most tablets with a mobile web browser that supports cookies. Both native and mobile web browser applications can be found either by searching the app store on your tablet or by entering the mobile web URL (https://mBanking.firstdata.com/wap/home/bkkok/en) in your tablet’s browser.

How do I install the downloadable tablet application?

  • Native downloadable tablet applications can be downloaded directly from iTunes®, Google Play®, or the Amazon® app store on your device.
  • Alternatively, you can enter the following URL link (https://mBanking.firstdata.com/wap/home/bkkok/en) in your device browser to connect to the mobile browser application.
  • Next, access the global navigation menu and look for a Download link. Click this link to download the application. If this link is not visible, a downloadable application is not available for your device.

How do I access Mobile Banking on my device’s browser?

You can access the mobile browser application site at any time at (https://mBanking.firstdata.com/wap/home/bkkok/en)

I activated Mobile Banking on my device’s browser. Why am I being asked to activate again?

At the time of enrollment, a "cookie" is stored on your device’s browser which allows the Mobile Banking system to remember that you enrolled. The cookie is only visible by the Mobile Banking system and does not contain personal information. Some devices may require you to enable cookies or periodically erase them by clearing your cache, requiring re-enrollment. If you are experiencing this issue, check your device settings to ensure that cookies are enabled. If cookies are enabled and the issue persists, please contact your mobile network carrier for cookie support information on your mobile device.

How do I optimize my mobile web experience?

We recommend 3 steps for an optimal experience: 1) Ensure your phone’s browser has cookies enabled. 2) Enable stylesheets on your browser. 3) Bookmark our Mobile Banking site.

What is Spendable Balance?

Spendable Balance is a fast and simple way to calculate the money you have available. It is calculated by taking the available balance and subtracting any amount you want to "set aside" for items you know will be coming out of the account for bills, transfers, other commitments or simply setting a buffer for yourself. If you have multiple accounts, you have the ability to choose which account Spendable Balance applies.

Text Banking

What is The Bank of Kremlin Text Banking?

Text banking gives you access to your accounts via text (SMS) messages on your phone. It’s a fast, easy way to look up account balances or recent account history by sending a text command to a shortcode.

What is The Bank of Kremlin shortcode?

All text messages will come from, and should be sent to, 96865

Can I use both Text Banking and Mobile Banking on my phone?

Yes, you can use both options from the same phone. To do so you will need to enroll for both services prior to use.

Is Text Banking supported on my phone?

Text Banking will work on any text message (SMS) capable phone from one of our supported carriers.

How do I enroll in SMS Text Banking?

The enrollment process for SMS text banking requires you to log in to online banking, select the Mobile Management link under the All Services & Settings tab, and follow the instructions to retrieve an activation code. The activation code will be required to begin using SMS text banking on your device.

Which wireless carriers are supported?

We support all the popular US wireless phone carriers, including AT&T, Sprint, T-Mobile, and Verizon. If your carrier is not listed when you enroll, select ’Other’, or check back later, as new carriers will be added over time.

Will I receive unsolicited text messages?

No. You will only receive messages when you specifically request them with one of the Text Banking commands or if you subscribe to Mobile Alerts.

What are the Text Banking commands?

FUNCTION COMMAND DESCRIPTION
Balance B Summary of available balances for all accounts
History H Summary of recent transactions per account
Command C List of available Text Banking commands
Help HE Help content for Text Banking
Login L Receive a URL for the The Bank of Kremlin Mobile Browser website (user must first enroll their mobile web browser)
Stop S De-activate all The Bank of Kremlin text services

NOTE: You can check for additional available commands by activating your phone and sending C to 96865.

Troubleshooting

I enrolled my phone number for SMS text banking but did not receive a text message. What should I do?

Typically, you should receive a text message within a few minutes after enrolling for SMS text banking, however sometimes mobile carriers experience delays which slow down text message delivery. While waiting, make sure your phone has a wireless signal. In addition, be sure you entered the correct phone number on the Mobile Management site in online banking. If you still do not receive it, try to enroll again. If the problem continues, contact your wireless carrier to be sure "short code text messaging" is enabled on your phone.

I received an activation code for SMS text banking but never used it. What do I do now?

Activation codes expire after a specific period of time (expiry period will be provided along with your activation code). If you need a new one, return to the Mobile Management site in online banking and request a new activation code.

What happens if I get a new mobile device or change phone numbers?

If you get a new mobile device or change phone numbers, be sure to return to the Mobile Management site in online banking and update your mobile device profile. We recommend removing your old device and re-enrolling your new device.

Can I use Mobile Banking or Text Banking on more than one device?

Yes. Follow the enrollment and download instructions above to enroll a new device for either the native or mobile browser banking applications. Visit the Mobile Management link in online banking and simply add another device for SMS text banking.

I activated Mobile Banking on my device’s browser. Why am I being asked to activate again?

At the time of enrollment, a "cookie" is stored on your device’s browser which allows the Mobile Banking system to remember that you enrolled. The cookie is only visible by the Mobile Banking system and does not contain personal information. Some devices may require you to enable cookies or periodically erase them, requiring re-enrollment. If you are experiencing this issue, check your device settings to ensure that cookies are enabled. If cookies are enabled and the issue persists, please contact your mobile network carrier for cookie support information on your mobile device.

What if my device is lost or stolen?

If you are concerned about misuse of your device, contact your mobile service provider immediately to stop all wireless service. Additionally, sign in to online banking and disable or remove your device from the Mobile Management link under the All Services& Settings tab.

Do I need to re-enroll into Mobile Banking after I purchase a new device?

Yes. If you get a new mobile device or change phone numbers, be sure to return to the Mobile Management site in online banking and update your mobile device profile. We recommend removing your old device and re-enrolling your new device. Follow the enrollment and download instructions above to enroll a new device for either the native or mobile browser banking applications. Visit the Mobile Management link in online banking and simply add another device for SMS text banking.

Do password reset requirements for internet banking affect my ability to perform Mobile Banking functions?

Yes. Some financial institutions require that customers/members reset their internet banking password periodically. If you do not reset your internet banking password as required by your financial institution you will be unable to log into Mobile Banking.

I’m receiving an invalid credentials error message even though I’m entering valid credentials. What should I do?

If you've exceeded your institution's maximum number of failed login attempts in Mobile Banking, you must log in to online banking and reset your password. Once your password has been reset in online banking, you will be able to successfully log in to Mobile Banking with your new password. Please note that temporary passwords set by your financial institution are not recognized in Mobile Banking. If you are provided a temporary password, please login to online banking to create a permanent password before returning to Mobile Banking.

BlackBerry Support – Enabling JavaScript for the mobile browser application

Without JavaScript enabled on your BlackBerry, you may not be able to view parts of the mBanking mobile web browser (SWAP) application. Users can manually activate JavaScript. See below for step by step instructions.

  1. Press the "Menu" button to open the BlackBerry’s main application menu.
  2. Click "Browser" to open the BlackBerry web browser.
  3. Press the "Menu" button again while in the browser.
  4. Select "Options" and click "Browser Configuration."
  5. Put a check mark next to "Support JavaScript."
  6. Press the "Menu" button.
  7. Select "Save" to save your settings.

Please Note: In order to use Mobile Banking you must disable the Blackberry default browser and enable the internet browser.