Mobile Banking FAQs

Mobile Banking Via Text

Mobile Banking Via Text FAQs

  • What is Text Banking?
    Text Banking allows you to quickly request and receive your account balances and recent transaction history via your mobile device’s SMS Text Message service using a short code and a set of commands.

  • What account types are supported?
    Deposit Accounts (such as Savings, Checking and Money Market) are supported.

  • How do I sign up to use Text Banking?
    Register your phone using your Sacramento CU Online Banking credentials.

  • Will Text Banking work on my phone?
    Yes, it will, as long as you have text messaging service (SMS) via your wireless carrier. Please check with your wireless carrier if you are unsure.

  • Will I be charged for Text Banking?
    We won't charge you, but standard carrier fees for text messaging may apply. Please check with your wireless carrier.

  • Which carriers do you support?
    Our Text Banking service works on all major mobile providers in the U.S., including:

    • Alltel
    • AT&T
    • Nextel
    • Sprint
    • T-Mobile
    • US Cellular
    • Verizon Wireless
    • Virgin Mobile

  • How do I cancel?
    You can text SCU STOP to 21443, or you can log into the Text Banking interface and remove the registration information for your phone. You can add a new phone or reactivate your old phone by logging into the Text Banking interface at any time.

  • I have a new mobile phone number. Can I change or add my number online?
    Yes. First, deactivate your current phone number then add your new phone number, which can be done by logging in to the Text Banking interface.

  • What if I change my User ID, Password or Protection Plus (MFA) questions?
    If you change your User ID, password or Protection Plus Questions, you must login to the Text Banking interface with your updated Online Banking Credentials before you can continue using the Text Banking service.

  • Can I have more than one phone registered for my account?
    Yes. Each phone must be individually registered.

  • Is Text Banking secure?
    Yes. Messages will contain no sensitive information about your accounts.

  • What is the short code?
    21443

  • What are the commands?

    • SCU BAL – Account balances
    • SCU HIST – Last three transactions on primary account
    • SCU WEA (zipcode) – Current temperature of any US location by ZIP code
    • SCU CMD – Show valid commands
    • SCU HELP – Send information on commands and how to use
    • SCU STOP – Cancel service

  • Are keywords case sensitive?
    No, keywords are not case sensitive.

  • To what number should I send keywords?
    The short code is 21443. This short code will work only if you have registered your mobile device via the Text Banking interface.

  • What is the maximum number of characters?
    Because of limitations placed by wireless carriers, 140 characters are the maximum number contained in each text message.

  • What happens if I exceed 140 characters in the middle of a transaction?
    The response will be broken into segments shorter than 140 characters. This means you will receive multiple messages for a long response.

  • How many requests can I make?
    An unlimited number of requests are allowed.

  • How quickly does the message go through?
    Messages typically go through within seconds, although delays of several minutes or more may be experienced depending on your wireless carrier.

  • Is there any password needed for Text Banking?
    No. Once your mobile phone is registered, your mobile device is used to authenticate your account access.

  • I get text messages from other people but not from Text Banking.
    Some cellular data plans allow for text messages sent from phones but not from short codes. Please check with your carrier.

  • Does the message go through if I have no coverage?
    No coverage on your cell phone means that nothing can get to your phone.

  • Who do I call if there's a problem?
    Call Sacramento CU Customer Service at (916) 444-6070.