Requirements:
To use the Mobile Money text banking, your mobile device must send and receive text messages to and from a short code. Most mobile devices are capable of sending and receiving text messages, so your phone is most likely compatible with Mobile Money. Please note that some mobile service carriers charge for outgoing text messages or for each message sent and received.

Mobile Money Text Banking is available once you complete the Mobile Money enrollment.

By using the texting feature on your mobile phone, you can access the following information with short code commands:
• Check balances
• Get history
• Location a nearby branch or ATM

Platte Valley Bank Short Code Text: 99588

View Account Balances
• Text B, BAL, BALANCE or BALANCES to 99588
• A text message is returned displaying the balances for the accounts enrolled in Mobile Money

Retreive Your Transaction History
Text STMT, TRAN or HIST plus nickname to 99588 (EXAMPLE: STMT ck1)
A text message is returned displaying the transaction history for the account.
Reply with short code command: NEXT or MORE
A text message is returned displaying the transaction history for the next group of transactions.
Continue to text NEXT or MORE for more transaction history.

View ATM Locations
Text ATM plus ZIP Code to 99588 (EXAMPLE: ATM 64079)
A text message is returned displaying the ATM location(s) for the institution.

View Branch Locations
Text BRANCH plus ZIP Code to 99588 (EXAMPLE: BRANCH 64079)
A text message is returned displaying the branch location(s) for the institution.

View ATM + Branch Locations
Text BOTH plus ZIP Code 99588 (EXAMPLE: BOTH Platte City)
A text message is returned displaying both the ATM and branch location(s) for the institution.

Help
Text HELP to 99588
A text message is returned displaying a list of acceptable keywords.

Disable the phone from Mobile Text: Text STOP to 99588

Use the mobile browser service to:
• Check balances
• Review recent activity
• Transfer funds
• Pay bills
• Change & cancel pending payments
• Find ATM & branch locations

Requirements:
To use the Mobile Money browser service, your mobile device must have an Internet browser and may require a data service plan. You access the Mobile Money website using the link sent by SMS text message during the enrollment process.

View Accounts
1. Log into Mobile Money using your current Internet Banking login.
2. The Main Menu page is displayed. Select “View Accounts.”
3. The Account Balances page is displayed. All accounts enrolled in Mobile Money display along with the account balance. Select the account balance to view a list of transaction for the
appropriate account.
4. The Account Details page is displayed. Select “Transactions” to view transaction history for the appropriate account.
5. The Transaction History page is displayed.

a. Select Next 10 to view the next 10 transactions.
b. Select Prev 10 to view the previous 10 transactions.
c. Select First 10 to view the first 10 transaction.
d. Select Back to return to the Account Details page.
e. Select Menu to return to Main Menu.

Transfers Funds
1. Log in to Mobile Money using your current Internet banking login.
2. The Main Menus is displayed. Select Transfer Money.
3. The Transfer Money page is displayed. Establish the following:

a. Transfer From: Select the account to debit for the transfer
b. Transfer To: Select the account to credit for the transfer
c. Amount: Enter the amount of the transfer
d. Select Next

4. The Confirm Transfer page is displayed. Verify transfer information. Select Yes.
5. The Transfer Confirmation page is displayed.

a. Select Menu to return to the Main Menu.
b. Select Log Out to close Mobile Money

Pay Bills
>>How to use Bill Pay on a mobile device

Use the downloadable application service to:
• Check balances
• Review recent activity
• Transfer funds
• Pay bills
• Change & cancel pending payments
• Find ATM & locations

Requirements:
To use the Mobile Money downloadable application, your mobile device must have an operating system that supports application downloads and may require a data service plan.

How do I get the app for my phone?
You download the Mobile Money application using the link sent by SMS text message during the enrollment process. The Mobile Money application is available for the iPhone, Droid, and Blackberry phones.

General Q & A

Q: What is PVB Mobile Money?
A: Mobile Money enables you to connect to your accounts via the Internet from your mobile device. You can check account balances, review your recent and pending account activity, transfer funds and find a PVB branch or ATM.

Q. Is Mobile Money secure?
A: Mobile Money employs industry best practices with regards to security. It has been assessed against industry security criteria by a number of independent system security experts.
At a high level, Mobile Money offers the following security safeguards:
• Authentication - Mobile browser and application solution customers are authenticated for every interaction with any Mobile Money component. Customers are authenticated by username and password or by utilizing existing login credentials for single sign-on.
• Encryption - 128-bit encryption is used for all transactions within Mobile Money and between Mobile Money and other Fiserv solutions (e.g., core banking and payment systems).
• Fraud - Mobile Money incorporates mechanisms such as transaction validation and transaction reconciliation processes to detect fraud.
• Availability/Resilience - Mobile Money is protected against malicious attacks through software and server hardening measures.
• Audit Ability - Mobile Money provides full audit capabilities through event logs and event-based reporting.

Q: Is my personal or financial information stored on my phone?
A: No. Mobile Money does not save any files with personal or financial information on your mobile device. That information stays strictly within online banking. Some phones (e.g., BlackBerry, Android) have logo and branding files that are copied to the mobile device. Those files do not contain any personally identifiable information.

Q. What accounts can I access with Mobile Money?
A: Mobile Money provides access to the same accounts you can access in Internet Banking, including personal checking, savings, loan and line of credit accounts.

Q. What do I need to get started?
A: You can start using Mobile Money if you have enrolled in and have access to PVB Internet Banking or have a mobile phone or device with text messaging and a data plan through your mobile provider

Q. How do I begin using Mobile Money?
A. Access your PVB Internet Banking
Click on User Options
Go to Mobile Banking and click Enroll Now
Accept the Terms & Conditions
Select accounts for access and assign nickname(s)
Enter your mobile telephone number
Select your services (text messaging, mobile browser, downloadable application)
Enter the activation code sent via text message

Q. Who should I notify if I lose my mobile device?
A. If your device is lost or stolen, please immediately contact your mobile device carrier. You will want to monitor your accounts via Internet Banking if you suspect fraud may occur. If fraud does occur, call PVB immediately at 816-858-5400.

Q. Is Internet Bill Pay available through Mobile Money?
A. Bill Pay is available through Mobile Money if you have enrolled within Internet Banking.
>>How to use Bill Pay on a mobile device

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TEXT/SMS Mobile Banking Q & A

Q. Are the keywords case sensitive?
A. No. Whether you type “BAL” or “bal”, as response with your account balance information is sent to your mobile device.

Q. What should I do if I don’t get a response to a request?
A. Make sure you are sending text message to 99588.

Q. Why are my results sent as multiple messages?
A. Text messages are limited to 160 characters. If your account information exceeds the character limit, your account information is sent in multiples messages, no more than five at a time.

Q. I have text messaging enabled on my mobile device, why can’t I receive text messages?
A. Your mobile service carrier may be blocking short codes or you may have blocked short codes on your mobile device. Short codes must be enabled to use Mobile Money. Short codes are abbreviated phone numbers, usually five digits, used to send Mobile Money messages.

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Mobile Web Broswer Q & A

Q. When I click the link for the Mobile Money website nothing happens, what should I do?
A. Every mobile device and mobile network is different, so you may not be able to click on a link in a text message. Try these troubleshooting tips:
• Open the text message and click the “Send” or “Go” button on your mobile device to access the website URL.
• Then click the address to go directly to the website.
• Open the text message and write down your unique website URL.
• Type the URL in your device’s web browner to go directly to the website.