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Mobile Banking FAQs


What is Mobile Banking?

Mobile Banking is an extension of Online Banking, providing secure remote account access through a mobile device with an Internet connection. With Mobile Banking you can perform the most important functions of our computer-based Online Banking.

How do I get started using Mobile Banking?

To use VACU Mobile Banking, you just need to be a registered Online Banking user with a valid User ID and Password. If you aren’t already using Online Banking, you can enroll now.

Using your phone's browser, surf to http://m.vacu.org. Our mobile site includes information such as branch & ATM locations, contact information, and access to your VACU accounts. Or, if you’re using an iPad, iPhone, or Android phone or tablet, you can download an app for your device.

Can I use Mobile Banking if I don’t have access to my accounts through Online Banking?

At this time, you must have a VACU Online Banking User ID and Password to use Mobile Banking.

What is the cost for using Mobile Banking?

VACU does not charge any fees to use Mobile Banking. However, your wireless service provider may charge additional fees for internet access and / or for the bandwidth used. Contact your wireless service provider to get more details on the actual cost of using your device to access the internet.

What services are available through Mobile Banking?

With VACU Mobile Banking members can use their mobile device to:

  • view account balances
  • view transaction history
  • transfer money between your VACU accounts
  • view, pay and cancel bills
  • deposit checks using the camera on your mobile device

All terms and conditions applicable to Online Banking apply to Mobile Banking.

Can I view all of my accounts through Mobile Banking?

All the accounts normally available to you through VACU Online Banking are available to you through VACU Mobile Banking.

Can joint owners have access to their joint accounts through Mobile Banking?

Yes, joint owners can access their joint accounts. Each owner must be individually enrolled in Online Banking and enroll their respective devices using their own Online Banking User ID and Password.

Can I pay bills through Mobile Banking?

Yes you can. You’ll just need to use your PC to set up payees in Online Banking Bill Pay first.

Can I transfer funds between financial institutions or other VACU members?

No, at this time you may only transfer funds between your own VACU accounts.

Is it difficult to learn to use Mobile Banking?

Mobile Banking is easy to use. It’s very similar to Online Banking and in most cases you just fill in requested information.

Is Mobile Banking safe?

Yes, Mobile Banking features the same high level of online security as internet banking.

  • Your User ID and Password are identical to your Online Banking account
  • PINs are never stored at any stage
  • All communication between VACU and your device is encrypted by industry-standard 128-bit SSL encryption
  • The mobile device will disconnect from mobile banking after 5 minutes of inactivity

Still, you must follow reasonable security precautions. Like any computer, your web-enabled mobile phone or device is susceptible to viruses, malicious sites and applications. Please use the same caution when opening e-mails, clicking on links and surfing the web with your phone as you do with your computer. Please see our Mobile Phone & Mobile Device Security web page for tips to help keep your device safe.

What should I do if I lose my phone?

  • Log in to Online Banking from your PC and change your Online Banking password immediately. Even if your password is known by the person who finds your phone, or if you have saved the password in the phone, it will not work once your password is changed.
  • Report the loss to your phone carrier and ask them to disable the old phone.
  • You should also contact VACU to let us know about the loss. We can discuss additional security options with you at that time.
  • As always, whenever there is a possibility of unauthorized access to your account you should watch your account closely to insure no unauthorized transactions appear.

Can I safely recycle or dispose of my device if it has Mobile Banking on it?

Yes. You should use the generally accepted security practice of “wiping” your mobile device before it is disposed of or recycled. Check with your device manufacturer or carrier for procedures specific to your device.

Which mobile devices are supported for Mobile Banking?

You can access Mobile Banking from any Internet-enabled mobile phone such as most WAP (Wireless Application Protocol) phones, PalmOne OS devices, or Pocket PCs. Apps are available for Apple iPhone, ITouch and iPad as well as Android phones and tablets. Note: The device must be web-enabled. 

Can I use multiple mobile devices to access Mobile Banking?

Yes, up to 15 mobile devices can be registered with VACU Mobile Banking. Contact Member Services if you would like to access your accounts with additional devices.

How do I know if my phone is web-enabled?

If you have a MiniBrowser, MicroBrowser or Wireless Web on your phone's main menu, then it is web-enabled. Contact your wireless service provider to confirm that your phone is web-enabled and that the service is activated.

I can't figure out how to access the internet with my phone. Can VACU help me?

With so many different types of phones that support internet access, it's hard for us to be able to walk you through the details. Your best option for help would be to consult the manual that came with your phone, or contact your wireless service provider for assistance.

Does my wireless carrier support Mobile Banking?

We aren’t aware of any carriers that do not support VACU Mobile Banking on their networks.

When accessing Mobile Banking I get a security certificate warning. What should I do?

This message may show up on some phones because of the browser. You can verify the security certificate is ours to be sure you are visiting the correct site. Once you have done that, you can click “accept” or “continue” and Mobile Banking should continue to load just fine.

I am able to access Mobile Banking but the format of my screen is off. What should I do?

Make sure your phone’s browser settings has style sheets and image backgrounds enabled. Some phones disable these features by default.

I keep getting an "Invalid Login" message on my login screen. What is happening?

Most likely your account has been locked by exceeding the allowed number of login attempts. To correct this problem you'll need to call Member Services to reset your password over the phone.

How do I register for Text Banking?

You must be an Online Banking member to use Text Banking.  If you are already enrolled for Online Banking, please visit http://m.vacu.org to register for Text Banking using your Online Banking Log On ID and Password.  Once authenticated, please select the MENU item ‘Text Banking’ to complete registration.

Is there a fee to use Text Banking?

Text Banking is free from VACU, but your mobile service provider may charge for sending and receiving text messages. Check with your provider for details and specific charges that may apply for you.

Is Text Banking secure?

VACU works hard to ensure your identity before you can use the service through a secure enrollment process that sends an Activation Code to the device you enroll. Text Banking does not send any User IDs, passwords or account numbers as part of the service.

Will Text Banking work on my mobile device or cellular phone?

Yes it will, provided your phone has the ability to send and receive Text Messages. You may want to contact your service provider to make sure.

Can I use Text Banking if I don’t have access to my VACU accounts through Online Banking?

Text Banking is available only to Online Banking users at this time.

Where do I text my account inquiries?

Send your requests to 59851. You may want to add that to your list of mobile contacts to save time.

What commands are available?

  • B or BAL = fetch a list of all your accounts and their balances
  • H or HIST = fetch the 5 most recent transactions for all your accounts
  • H acct or HIST acct = fetch the 5 most recent transactions a specific account (for example, "H C1" for checking or "H S1" for savings)
  • MENU = shows a list of available commands
  • HELP = support and contact information for VACU
  • STOP = deactivate the service

What account abbreviations are used?

  • C1 = checking
  • S1 = saving
  • L 1= loan

If you have more than one of each account type, you will have other numbers after the account type, for example, S1 and S2 if you have two savings accounts.

Are text commands case-sensitive?

No, they aren’t. You can use “B or “b” to request your account balances.

Can I register more than one mobile phone for Text Banking?

Yes, you can register up to 2 mobile phones for Text Banking.

Why were my results sent in multiple messages?

All text messages are limited to 160 characters. The responses you receive from us will vary in size and sometimes the message size exceeds the 160 character limit.

My results were sent as multiple messages. Why did it take longer for some of them to arrive?

Depending on your mobile provider, it may take awhile for messages to arrive. If you’ve received one message, it means we sent all the messages to you and they should arrive shortly.

How do I unsubscribe from Text Banking?

Just send the command STOP to 59851 and you will immediately be unsubscribed. You may re-enroll your phone at a later date if you wish.

What happens if I lose my mobile phone and want to cancel Text Banking?

You may deactivate your Text Banking service by visiting http://m.vacu.org and logging onto Mobile Banking through your PC.  You may also contact Member Services at 804-323-6800 or 800-285-6609 during the business hours of Mon - Fri 8:00 am - 6:00 pm EST.