Mobile Banking Service FAQs

Q:  What is the First National Bank mobile banking service?

A:  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, transfer funds, and find nearest ATM or branch locations.  In you are signed up for Bill Pay, you can even pay bills from your smartphone!


Q:  What is the First National Bank text banking service?

A:  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 First National Bank's shortcode, 96865.


Q:  Can I use both text banking and mobile banking on my phone?

A: Yes, you can use both options from the same phone. To do so you will need to activate each option on your phone prior to use.


Q:  How much does this service cost?

A: There is currently no charge associated with the service. However, there may be charges associated with text messaging and data usage on your phone. Check with your wireless phone carrier for more information.


Q:  Do I need a text message or data plan?

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


Q:  Will the mobile banking service work on all mobile devices?

A: Mobile banking is supported on most phones with a mobile web browser that supports cookies. In addition, the mobile application is available on many smartphones including: iPhone, Android and BlackBerry. Both mobile web and mobile applications can be found by entering the mobile web URL ( in your phone's browser.


Q:  How do I enroll in mobile banking?

A:  Sign in to Online Banking on your computer and choose the Mobile Banking option. You must first activate your mobile phone.  Activation is a one-time process that helps ensure your security. After you enroll a phone, you will receive an activation code which will be required to begin using Text or Mobile Banking on your device. We recommend you print your activation code and installation instructions for easy reference during installation


Q:  I'm not enrolled in Online Banking.  Can I still use Mobile FNB?  

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


Q:  What accounts can I access with Mobile FNB service?

A:  Mobile FNB allows you to access any of your  accounts available for access within Online Banking.


Q:  How secure is Mobile FNB?

A:   First National Bank's mobile banking service utilizes best practices from online banking, such as HTTPS, 128-bit SSL encryption, PIN, or password access and application time-out when your phone is not in use. Only the phones that you personally enroll in the service can access your accounts. In addition, no account data is ever stored on your phone. And in the event your phone is lost or stolen, the service can be immediately disabled by either going online to the Mobile Banking enrollment website or calling us at 512-321-2561 during regular business hours.


Q:  Will I receive unsolicited text messages?

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


Q:  What happens if I get a new mobile device or change my phone number?

A:  If you get a new mobile device or change phone numbers, be sure to return to Mobile Banking website via your PC and update your mobile device profile in the Mobile Banking Center. We recommend removing your old device and re-enrolling your new device.


Q:  What if my device is lost or stolen?

A:   If you are concerned about misuse of your phone, contact your mobile service provider immediately to stop all wireless service.  Additionally, sign on to online banking and disable or remove your phone.


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