Mobile Banking FAQs

General FAQs

Text Banking FAQs


General FAQs

What services are available?

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

  • View account balances
  • View transaction history
  • Transfer money between your VACU accounts
  • Set up, view, pay and cancel bills
  • Deposit checks using our Mobile App with Mobile Deposit

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

Is it safe?

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

  • Your user ID & password are identical to your Online Banking account
  • All communication between VACU and your device is encrypted by industry-standard 128-bit SSL encryption
  • Your 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 emails, clicking on links and surfing the web with your phone as you do with your computer. Learn more about Mobile Phone & Mobile Device Security.

Which mobile devices are supported?

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 at (804) 323-6800 or (800) 285-6609 if you would like to access your accounts with additional devices.

Will it cost me anything to use 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.

Can joint owners use Mobile Banking to access their joint accounts?

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 & password.

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 at (804) 323-6800 or (800) 285-6609 to reset your password over the phone.

I keep getting 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.

Mobile Banking looks strange on my device. 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've lost my phone. What should I do?

Immediately log into Online Banking from your PC and change your account password. Your old password will no longer work, so even if it is known by the person who finds your phone or you have saved the password in your device, you will be protected.

Other steps to take include:

  • Reporting the loss to your phone carrier and ask them to disable the old phone.
  • Contacting VACU Member Services at (804) 323-6800 or (800) 285-6609 to let us know about the loss. We can discuss additional security options with you at that time.

And 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.

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Text Banking FAQs

Will it cost me anything 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 it secure?

Text Banking does not send any User IDs, passwords or account numbers as part of the service.

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?

Text Command Request
B or BAL A list of all your accounts & their balances
H or HIST The 5 most recent transactions for all your accounts
H ACCT or
HIST ACCT
The 5 most recent transactions for a specific account
(for example, "H C1" for checking or "H S1" for savings)
MENU A list of available commands
HELP VACU support & contact information
STOP Deactivate the service

What account abbreviations are used?

Abbreviation Account
C1 Checking Account
S1 Savings Account
L1 Loan Account

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.

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

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

How do I unsubscribe from Text Banking?

Just send the command STOP to 59851 and you will immediately be unsubscribed.

I've lost my phone. What should I do?

You may deactivate your Text Banking service through the Mobile Banking tab within Online Banking. You may also contact Member Services at (804) 323-6800 or (800) 285-6609.

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