Personal Mobile Banking FAQs & Security

Mobile Banking FAQs

Is my personal or financial information stored on my phone?

No. We don't save any files with your personal or financial information on your phone. That information stays strictly within online banking.

Are there fees to use Mobile Banking?

Security National Bank does not charge a fee to access or use Mobile Banking; however, message and data rates may apply.

Which accounts can I access in Mobile Banking?

You can access any account you've set up in online banking. Registering for Mobile Banking lets you choose which accounts you want to access/display.

How current is the account and transaction information?

When you view your account balance, you see the current available balance. When you view transaction history, you see the most recently posted transactions and any pending transactions.

Can I add more than one mobile phone?

Yes. You can register several mobile phones for Mobile Banking. Each phone enrolled will have access to all accounts for that profile or login ID.

What if my phone number changes?

If your mobile phone number changes, go to your mobile app. You'll need to make three updates:

1. Go to Menu > Settings > 2-Factor Authentication to update your phone number.
2. Go to Menu > Settings > Update Contact Information > Update Cell Phone to add your new number.
3. Go to Menu > Settings > Alert Delivery Preferences to update your alert delivery methods.

What if my phone is lost or stolen?

If your mobile phone is lost or stolen, no one can access your account without knowing your password and, in some cases, your unique login ID. Please contact our Customer Care Center at (855) 614-4061 for further assistance or if you suspect fraud.

What if I forget my password?

Your password for online banking and mobile banking are the same. If you forget your password when logging into mobile banking, please use the 'Forgot your password?' link during the login process and follow the prompts. If you need additional assistance, please contact our Customer Care Center at (855) 614-4061.

Mobile Banking Security 

Security Features

To ensure the safety and privacy of your account information, we provide some key security features in Mobile Banking:

• 2-Factor Authentication (2FA)—We send you a unique activation code to verify your phone number. This code associates your mobile phone with your account and lets you know your mobile phone number has been successfully registered in our system.
• Authentication—You are authenticated for every interaction with Mobile Banking.
• Encryption—We use 128-bit encryption for all transactions.
• Fraud Detection—We incorporate mechanisms such as transaction validation and transaction reconciliation processes to detect fraud.
• No Identifiable Information—We don't return any personally identifiable information in a text message, such as your full account number, e-mail address, or personal address. We never ask for or include your user ID or password in any message we send.

Mobile Device Security Tips​

Recommended tips to help you secure your mobile device:

• Treat your Smartphone with the same care regarding passwords and security as your PC.
• Keep smartphones within your sight at all times.
• Don’t use USB chargers found in public places, such as airports; use wall outlets instead. These public chargers could have been tampered with by fraudsters, and if so, they could install malware on your phone.
• Activate phone locking after a period of inactivity and use strong passwords or PINs for reactivation.
• Utilize your phone's auto-wipe feature if someone repeatedly enters incorrect passwords.
• Back up Smartphone applications and content regularly.
• Report Smartphone theft immediately so remote locking or remote wiping can be activated.
• Avoid using smartphones over unsecure Wi-Fi networks.
• Keep Bluetooth out of discovery mode when not in use.
• Avoid clicking on links in SMS and Email messages unless you have verified the sender.
• Do not use a jail-broken phone or attempt to jailbreak your phone.
• Only download approved apps for your device.
• Only download apps you will use, and research the credibility of any app you are unfamiliar with. Look out for applications that unnecessarily seek access to things like contacts or location, and carefully read user application ratings before downloading.
• Keep your phone's operating system and installed apps up to date.