Q. Who can use Simmons First Text Banking?
A. Text Banking is available to any Simmons First customer. For validation purposes you must have a Bank Anywhere ID and Password to enroll for this service.
Q. What service can Text Banking provide for me?
A. When using the SMS text messaging feature on your mobile phone you can check account balances and transaction history. Text Banking will provide you with the last four transactions on your account(s) within the last 15 days.
Q. What is the cost associated with Text Banking?
A. We do not charge you for Text Banking. Your wireless carrier may charge for using the SMS text message feature on your mobile device. Some carriers may charge additional fees to use their short code texting services.
Q. Do I need a smart phone or PDA to sign up for Text Banking?
A. No, because virtually every mobile phone/device on the market today is capable of sending and receiving SMS text messages. You must simply have text-messaging available through your mobile device.
Q. How do I get started using Text Banking?
A. Getting started is easy and quick. Log in to Bank Anywhere and select 'Management' then click on Mobile Banking Settings and select 'Text Mobile Settings' to enroll.
Q. Do I have to enroll for Mobile Web Banking in order to use Text Banking?
A. No you can enroll for both or just one or the other.
Q. What is the difference between Mobile Web Banking and Text Banking?
A. Mobile Web Banking provides more functionality than Text Banking. For example, with Mobile Web Banking you are able to submit transfers and bill payments. Text Banking only provides SMS messages that contain balance information and account history (last four transactions). In addition, Mobile Web Banking requires you to authenticate using your Bank Anywhere ID and Password, while Text Banking does not. You simply text Simmons First's short code 89549 and a text command to have a message sent to you with the requested information.
Q. What accounts can I access with Text Banking?
A. All accounts you are able to access through Simmons First's Bank Anywhere service are available using Text Banking. Through the Text Banking enrollment process, you will choose the accounts and assign a short name for each one.
Q. What happens if I lose my mobile device?
A. The information sent to you from Simmons First's Text Banking is very limited; it does not identify you or your account numbers. However, if your mobile device is lost or stolen, you should call your mobile provider to cancel service on the device. Once you replace your device, if you keep the same number, Text Banking will continue to work. If you change your number, you will need to login to Bank Anywhere and go to 'Text Mobile Settings' to update your phone number. Remember with any changes such as phone numbers, accounts or short names, you must Accept the Terms and Confirm the change, as well as text the validation code you receive to complete the change process.
Q. What do I need to do if I get a new mobile device?
A. If you are using the same phone number, no changes are needed. If you change the phone number, see above Q/A for instructions.
Q. Should I save the bank short code in the contact list on my phone?
A. If you wish to add the bank's short code to your contact list, please use a generic label for security purposes.
Q. What if I no longer want to be a Text Banking user?
A. Text Simmons First’s short code - 89549 with the word STOP. This will cancel your Text Banking service.
Q. Is the information delivered through Text Banking secure?
A. Because the content of text messages is generally accessible to anyone who may have access to your mobile device, the information in the text messages you receive from Simmons First does not include any personally identifiable information. However, your text messages will store the balances and account history that you are requesting. For that reason, we recommend you delete your Text Banking messages after you have received them.
Q. What is SMiShing and why should I know what this is?
A. Hopefully you are aware of the risks of 'phishing.'
A derivation of phishing, SMiShing involves the use of SMS text messages on mobile devices to collect personal information. A typical SMiShing message might advise you that your debit card has been compromised and you should call a number to ensure your account's security. In calling the number, you would likely be asked to provide your account number, date of birth or other personal information. Once you have done that, your information is in the hands of fraudsters and you are a potential victim of identity theft.
SMiShing is easy to avoid if you know what to look for. Any unsolicited text message asking you to reply with information about yourself or to call and provide information to a voicemail or live person is inherently suspect. Delete such messages without replying.