Mobile Banking & Deposit

Access your accounts, anytime, anywhere!
Platte Valley Bank now offers three options to better your banking experience: Mobile Texting, Web Browser and Applications.

Login to use Mobile Banking
Note: You must be an Internet Banking customer.
Mobile Banking can be downloaded from the iTunes® App Store or Google Play Store, or can be found under "User Options" once logged in. See Getting Started FAQs for step-by-step instructions.

Establish Internet Banking access now

PVB Mobile Banking Shortcode: 99588
Mobile Banking Monthly Fee: $1.50 per device

Mobile Banking Requirements:
*Text/SMS Mobile Banking - A mobile device with text messaging through your mobile provider. Please note that some mobile service carriers charge for outgoing text messages or for each message sent and received.

*Mobile Banking Web Browser - A mobile device must have an internet browser and may require a data service plan through your mobile provider.

*Mobile Banking Applications - A mobile device with an operating system that supports application downloads and may require a data service plan through your mobile provider.

applestoe_icon.jpg App for Apple iPhone or iPad
android App for Android Phone

Questions?
Call us at 816-858-5400
Mobile Banking Terms & Conditions

Mobile Deposit

Mobile Deposit is convenient, secure, and now available! Using an iPhone®, iPad®, or Android™ mobile device, customers can deposit checks into their eligible Platte Valley Bank accounts in a few simple steps. Save yourself a trip to the bank and deposit checks anywhere, anytime.

Eligibility requirements for Mobile Deposit:

• Must use Mobile Banking App on a mobile device
• Only for consumer accounts
• Maximum deposit limit is $5,000.00 per day
• Deposit cutoff time is 4:00 pm Central Time for availability the following business day
• Mobile Deposit Fee is $0.75 per transaction

Prerequisites for Mobile Deposit:

iPhone 3GS, 4, 4S and 5 models
• Apple iOS 4.1 or newer
• Note: the iPhone® 3G is no longer supported on the newest version of Apple's OS (operating system). Any current users that have already downloaded the APP to their phone will continue to use it (and Mobile Deposit once activated), but no new users will be able to enroll for Mobile Banking with an iPhone® 3G.

iPad 3, 4 and Mini
• Apple iOS 5.0.1 or newer
• Cameras with 2.0+ Megapixel resolution and autofocus
Note: The iPad® 1 and the iPad® 2 do not meet the minimum camera resolution requirements.

Google Android™ models
• Android™ (Froyo) 2.2 or newer
• Cameras with 2.0+ Megapixel resolution and autofocus
• Either touch screen or keyboard phones

mobdepguide_thmb.jpg
Step-by-Step Mobile Deposit Guide



Mobile Deposit FAQs

What is Mobile Deposit?
Platte Valley Bank's Mobile Deposit allows users to deposit checks through Platte Valley Bank's Mobile Banking App, as long as the user has access to a data connection on their mobile device. Users will be able to make deposits with their mobile device and see a history of all deposited items that have already been processed.

Mobile Deposit will only be accessible to users via the Mobile Banking App.

Deposit Approval
• Deposits will be reviewed before posting
• Deposits will not memo-post or show as a pending credit. Deposits made prior to 4:00pm Central Time will be available to you the next business day. Deposits made
after 4:00 pm Central Time will be available on the second business day.
• Platte Valley Bank reserves the right to delay the availability of funds for up to 5 business days.

Deposit Status
• You can verify the status of your deposit by logging into your Mobile Banking App and clicking on Deposits, and then click on Deposit History.
• Your deposit will be placed in the following statuses: Pending, Approved or Failed.

Q. Who is eligible for Mobile Deposit?
Customers who have personal checking or savings accounts and have met certain account criteria are eligible for Mobile Deposit.

Q. What if an account is not listed in Mobile Deposit?
In most cases, eligible accounts will automatically be enrolled in Mobile Deposit. If you have an eligible account that has not been enabled, please call us at 816-858-5400 for assistance. Please note that accounts are pre-qualified prior to being authorized for use with Mobile Deposit.

Q. What types of checks can I deposit with Mobile Deposit?
Most domestic checks can be processed through Mobile Deposit. We are unable to accept Money Orders, Foreign items, Savings Bonds or Third Party checks. The check must be made payable only to the owners of the account.

Q. Are there any limits on the dollar amount of deposits I can submit?
Yes. There is a daily deposit limit of $5,000.00 and a maximum check deposit limit of $5,000.00 per day.

Q. Do I photograph both the front and the back of my check?
Yes. During the deposit process you will be required to photograph the front and back of your check.

Q. How do I endorse my check for Mobile Deposit?
The required method of endorsement is as follows:
For eDeposit only
Platte Valley Bank
Account Number
Signature and Date


Q. How will I know if the bank received my deposit?
You will need to log into your Mobile Banking App and check on your deposit status, which can be found under Deposit History.

Q. When will my deposit post to my account?
Deposits made prior to 4:00 pm Central Time will be available to you the next business day. Deposits made after 4:00 pm Central Time will be available the second business day. Platte Valley Bank reserves the right to delay the availability of funds for 5 business days.

Q. Can I photograph more than one check at a time?
No. You may only photograph one check per deposit.

Q. What if the check image I photograph is bad?
You have the option to retake the photograph of the check before submitting or you may cancel the deposit. If you are unable to photograph a clear image, please bring the deposit to a Platte Valley Bank Financial Institution.

Q. Do I destroy my check after I photograph the deposit?
Once your check has received the "accepted" status, you agree to prominently mark the item as "Electronically Presented" and properly and securely dispose of the item to ensure that it is not represented for payment. You agree to never cash, negotiate, deposit or present this item or an image of it with us or any other financial institution, person or entity.

Q. Can I make my opening deposit through Mobile Deposit?
No. At this time the Mobile Deposit functionality cannot be used to initially fund an account.

Q. What if I submitted a deposit for the wrong amount? Do I need to resubmit the deposit?
No. You should not resubmit your deposit. If you entered in the wrong amount for the deposit, the operations center will correct the deposit during the deposit review.

Q. What if I submit the same deposit twice in error?
If the same deposit is submitted twice, it will be identified and stopped in our processing area. Should this occur, you will see a "failed" status for that deposited item.

Q. A check I submitted was returned. Can I resubmit it?
If a deposit is returned, please do not re-deposit the check through Mobile Deposit. You will receive written communication through the US Postal service with instructions if a deposit is returned.


Text/SMS Mobile Banking

Requirements:
To use the Mobile Banking 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 Banking. Please note that some mobile service carriers charge for outgoing text messages or for each message sent and received. Contact your provider for information regarding your specific mobile plan.

Mobile Text Banking is available once you complete the Mobile Banking enrollment through your internet banking.

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 Banking

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

Mobile Banking Web Browser

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

View Accounts
1. Log into Mobile Banking 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 Banking 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 Banking 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 Banking

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

Mobile Banking Apps

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 Banking 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?
The Mobile Banking application is available for the iPhone®, iPad®, and Android™ devices.

Go to the iTunes® App Store or Google Play Store. Next, search for "Platte Valley Bank Mobile Banking." Lastly, click on install. After it has downloaded, fill out your username, security answer, and password. The username will be your Internet Banking Access ID.
-or-
You can download the Mobile Banking application using the link sent by SMS text message during the enrollment process.


Getting Started FAQs

General Q & A

Q: What is PVB Mobile Banking?
A: Mobile Banking 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 Banking secure?
A: Mobile Banking 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 Banking offers the following security safeguards:
• Authentication - Mobile browser and application solution customers are authenticated for every interaction with any Mobile Banking 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 Banking and between Mobile Banking and other Fiserv solutions (e.g., core banking and payment systems).
• Fraud - Mobile Banking incorporates mechanisms such as transaction validation and transaction reconciliation processes to detect fraud.
• Availability/Resilience - Mobile Banking is protected against malicious attacks through software and server hardening measures.
• Audit Ability - Mobile Banking 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 Banking 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 Banking?
A: Mobile Banking 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 Banking 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 Banking?
A. 1. Go to the iTunes® App Store or Google Play Store.
Search for "Platte Valley Bank Mobile Banking."
Once found, click on install. After is has downloaded, fill out your username, security answer, and password.
The username will be your Internet Banking Access ID.
-or-
2. 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 Banking?
A. Bill Pay is available through Mobile Banking 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 Banking. Short codes are abbreviated phone numbers, usually five digits, used to send Mobile Banking messages.

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Mobile Web Broswer Q & A

Q. When I click the link for the Mobile Banking 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.

 


Standard Free Services
Free ATM/Debit Card
Free Monthly E-statement
Free Internet Banking
Free Internet Bill Pay
Free 24-Hour Telebanc 816-858-5000
Miscellaneous Fee Schedule
ATM or Debit Card Replacement Fee $5.00
Bill Pay Transfer Money Service $0.75
Cashier’s Check $5.00
Check Copy $1.00 per item
Statement Copy $5.00 per item
Coin Charge $.05 per roll
Collection Fee $10.00 per item
Dormant/Inactive Account Fee $10.00 (No deposits or withdrawals for one year)
Internet Bill Pay Inactive Fee $6.00 (Non-use for 1 month)
Levy/Garnishment Fee: $25.00 per attachment
Safe Deposit Box Drilling $100.00
Safe Deposit Box Key Replacement $30.00 per key
Locking Zipper Bag $10.00
Mobile Banking Monthly Fee $1.50
Mobile Deposit Fee $0.75 per transaction
Money Order $3.00
Night Drop Key Replacement $5.00
Non-locking Zipper Bag $5.00
Non-Sufficient Funds $30.00
Overdraft Sweep Protection $10.00
Popmoney $0.50 per payment
Purchase Securities $25.00
Research Fee $40.00 per hour
Return Deposited Item Fee $5.00
Return Mail Fee $5.00
Returned Item Fee $30.00
Stop Payment Fee $30.00
Wire - Outgoing Domestic $25.00
Wire – Outgoing International $40.00, International Check Deposit $10.00
Disclosures