Arizona Central Credit Union

Frequently Asked Questions - Text Message Banking

A: Our Text Message Banking service is secure and enrollment is completed behind the eBRANCH login. Text messages will never contain confidential information about you or your accounts, and will never contain full account numbers.

A: We won't charge you, but standard carrier fees for text messaging may apply. Please check with your mobile phone carrier if you have questions about any text message rates that may apply.

A: Yes, as long as you have text messaging enabled with your mobile carrier it will work on your cellphone. Please check with your mobile carrier if you are unsure.

A: Our Text Message Banking service works on all major mobile providers in the U.S.

A: You can text STOP to us on your activated cellphone, or you can return to the mobile banking page and click the deactivate link next to your mobile device number. Your phone will no longer receive any text messages from us via Text Message Banking. You can add a new mobile phone at any time if you change your mind later.

A: Verifying your phone is a one time step and is one way we ensure the security of Text Message Banking.

A: During setup we will send you a text message with your activation code. If you have already submitted your mobile number during setup, please check your mobile device now. You should receive a text message with your activation code within a few minutes.

A: Yes you can. If you experience difficulties, we recommend that you go through the setup process again to obtain a new code.

A: It might take several minutes to receive your code. If you feel you have waited long enough, you can click the "Resend it" link. Please check your mobile device shortly for a new text message. If you are still experiencing problems, be sure you entered in the correct mobile number during setup.

A: Your primary account is the default account that we will use when you text BAL to us with the short code 454545. You should select the account you will likely want to check most often. You can get all account balances by texting BAL ALL to the short code. The primary account is also the account that funds can be transferred into when you use the TRANS (transfer) function.

A: Yes. When you text "BAL ALL" to the short code 454545, we will reply with a message containing the balances of all your checking, savings and any other accounts.

A: Yes. Simply return to the mobile banking page and select another account from the primary text banking account drop-down list.

A: Text any of the following commands/keywords to the short code 454545:

  • BAL = Primary account balance 
  • BAL ALL = All account balances
  • BAL CHK = Checking account balances
  • BAL SAV = Savings account balances
  • LAST = Last five transactions
  • TRANS $$$ = Transfer the specified dollar amount from your source account to your primary account. ($$$ represents the dollar amount you want to transfer. For example, to transfer $100, enter TRAN 100)
  • STOP = Deactivate service
  • HELP = Help on commands

A: No, commands/keywords are not case sensitive. For example, you can type "help" or "HELP".

A: The short code is 454545. This short code will only work if you have activated the Text Message Banking Service.

A: You'll receive a text message response within a minute. Exact timing will depend on your mobile service carrier.

A: You do not need a password to access your account information via text message. We never send confidential information such as member numbers, passwords, or complete account numbers via text message.

A: Yes. You first need to deactivate your previous cellphone number within the mobile banking page, or text STOP to 454545 (from the old phone number). Then click "Activate" on the mobile banking page and set up the new cellphone number.

A: Yes. Since your phone number has not changed, there is no need to re-register for the service.

A: Call your mobile carrier to notify them that your phone was lost or stolen. Then login to eBRANCH and cancel Text Message Banking on that phone number.

A: Because phone numbers are often recycled by the mobile phone carriers, as an extra precaution, deactivate your phone number in eBRANCH.

A: Yes. Just go to the mobile banking page and click the weekly account balance notifications check box to deselect it, and then save your changes.

A: Yes. First, go to the mobile banking page, select the low balance alert checkbox and enter a dollar amount (minimum $50) and save your changes. Thereafter, you will receive a low-balance text alert whenever your primary account balance falls below this specified dollar amount.

A: Yes, if you have selected a "transfer source" account on the mobile banking page. Then, for example, texting TRANS 400 to the short code 454545 will transfer $400 to your primary account from the transfer source account. You will then receive a confirmation message with updated account balances for both accounts. Please be aware that you can only transfer funds into your primary account.

A: Yes. After you set up the first number, you can select the "Activate another phone" link on the mobile banking page and then complete the simple two-step process.

Since 1939 we've been providing Arizona families with friendly, hometown service and convenient, affordable financial solutions. As a member-owned credit union we provide personalized checking, savings, mortgages, and business and personal loans to communities across Arizona, including Phoenix, Tucson, Tempe, Chandler, Glendale, Show Low, and Flagstaff. Arizona Central Credit Union is here to help you achieve financial success for every stage of life.
From Arizona: (602) 264-6421 1-866-264-6421 ABA Routing Number: 322172441

We do business in accordance with the Equal Credit Opportunity Act.

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