Mobile Banking Frequently Asked Questions


What is My Bank Mobile?

My Bank Mobile is an easy way to access eligible First United accounts from anywhere, at any time, using your mobile phone. You can use our App to securely view your account balances and activity, transfer money* between accounts or pay bills. You can also text us to receive up-to-date balance information.


What accounts can I access with First United’s My Bank Mobile?

You can access many of the same accounts that are tied to your Internet Banking solution, which includes your deposit and loan accounts!


Should I have a certain mobile carrier or phone to use My Bank Mobile?

No. Because our app can be downloaded to the phone, or accessed with a mobile Internet connection, you do not need to worry about carrier or model limitations. All you need is a mobile Internet connection. Similarly, if you have text messaging enabled on your phone, you can text for your balance regardless of what carrier or phone you have. We have apps for Android and iPhone!


Is First United’s My Bank Mobile secure?

Yes. Developed with some of the foremost banking security companies in the world, My Bank Mobile keeps your personal information safe and secure with the following features:

  • We offer secure online registration
  • No personal or sensitive information, such as account numbers or passcodes, will ever be stored on your mobile phone
  • My Bank Mobile uses encryption to protect your personal data
  • The app identifies your phone each time you conduct a mobile transaction


Does the service work on my iPhone?

Yes, My Bank Mobile has an app for the iPhone, as well as Android.


How do I get started using First United’s My Bank Mobile?

Visit and log in to personal internet banking and choose the “Get Started” link in the Mobile Banking Center app.


How does the website registration work?

Website registration is a simple process that requires you to provide some identifying information about your mobile device using a simple form. The site will guide you through the process of registering your phone, accessing our app and enabling inquiries via text messages. To get started, visit and log in to internet banking.


How does the mobile phone registration work?

It is as simple as signing up online (see "How does the website registration work?") and receiving a text message or visiting a website on your phone. Once you have registered your phone, if you chose to enable text banking, you will receive a text message to which you can reply with your activation code. You will also receive a text message with a link to the mobile web application, if you have a web enabled smart phone; you can access a more functional banking experience using your mobile phone’s internet browser or by downloading our banking app.

If you do not enable text message banking, you may enable only web/app banking and you will need to visit from your mobile device and enter your activation code that you will be given when you register.


How do I access First United’s My Bank Mobile App on my phone?

If you downloaded the app to your phone, you can open First United’s My Bank Mobile by selecting it from your mobile phone's application menu. If you are accessing our app from your mobile web browser, simply visit (save it as a bookmark or to your home screen for easy access in the future).


How do I review my account balance?

The easiest way to review your account balance is to text us! Send the letter “B” to 79680 and receive a quick view of your accounts. You can also use our App to access balance information by simply selecting the account you wish to view.


How do I review past transactions performed on my mobile phone?

To view past transactions within the app or web application, simply select the account you wish to review from the home screen of the app. You can also review past transactions using texting, by sending the letter “H” to 79680 and our system will respond with a list of your accounts (numbered 1 through however many accounts you may have)...reply with the corresponding number you wish to see and our system will send you the most recent transactions, and the ability to continue to review them by replying “M” for more.


How do I transfer money between accounts?

To transfer money, open the My Bank Mobile app and select “Transfers” from the main menu. Then, choose the account to transfer from, and then select the account to transfer to. Enter the amount to transfer, select “OK” and review and confirm the information is correct. You may also transfer funds between your accounts by texting the letter “T” and following the instructions that will be sent back to you. *


How do I make a payment using First United’s My Bank Mobile?

To make a bill payment, open the First United’s My Bank Mobile App and select the “Bill Pay” link from the main menu. Once you select to “Bill Pay”, you will then see a list of your payees. Select the payee you wish to pay, enter the amount you want to pay, and the date you want to make the payment. Once you select continue, you will see a summary page. If all the information is correct, select “Make Payment.” The payment now has been scheduled. You will be presented with a confirmation page that will contain your confirmation number.


Can significant others access a joint account from two different mobile phones?

The other person may set up their own phone using their own personal internet banking account; if they have access to a particular account from within their internet banking setup, they will also be able to see that account within mobile banking.


What should I do if I am locked out of the My Bank Mobile app?

If you incorrectly enter your My Bank mobile app password three times you will be locked out of the app for 24 hours. After 24 hours you will be able to attempt to login again. Forgot your password? You can reset your password by selecting the "reset it yourself" link located under the password box when logging into your Internet Banking account from a computer, or by contacting Customer Service at 1-888-692-2654.


Will someone have access to my account if my phone is lost or stolen?

No personal account data (account numbers, etc) is stored on your phone. Additionally, within the mobile banking app, your internet banking username and password are required to access your account balances, etc. With texting enabled, someone with access to your phone would have the ability to send and then receive a text with your account balances and would potentially have the ability to transfer funds* between your accounts. Regardless, we recommend that you always report the loss to your mobile carrier to stop service to your phone and contact First United to report the loss of your phone also.


Do I need to notify First United if I lost my mobile phone?

While no personal account data is stored on your phone; and another person using your phone would need to know your internet banking username and password, we still do encourage you to contact us to let us know that you have lost your phone. We can then disable your cell phone from having mobile banking access completely. Once you have a new phone, we can re-enroll you so that you can again have access.


Whom do I contact if I need help?

To get help in person, find the First United location near you. To get help by phone, call 1-888-692-2654. We are available 8:00 AM to 10:00 PM on weekdays and 8:30 AM to 4:00 PM on Saturday.

* Transfers and withdrawals from a My Money Market and/or My Prime Saver account to another account or to third parties by preauthorized, automatic, telephone, computer transfers, check, draft, or similar order to third parties is limited to only six (6) per month or statement cycle.

Mobile Deposit Capture FAQ

Coming soon...


Security Notice – Browser Updates May Be Required To Use Online Banking Solutions

As an ongoing security and protection for your finances, First United deploys and keeps up-to-date many layers of security and encryption protocols to protect your confidential information. Many modern internet browsers support these advanced encryption techniques, however, some older browsers do not. Please note that, beginning May 21st, customers using the unsupported Microsoft Windows XP® and Windows Vista® with Internet Explorer (IE) 6 or 8, will be unable to use our digital solutions and must upgrade to a newer supported version of Internet Explorer, Google Chrome™, or Mozilla Firefox® instead.

Additionally, some end customers using Internet Explorer 10 (IE10) or lower may receive a message from their browser about updating their browser security settings to TLS 1.1 or 1.2. These end customers should enable these protocols on the Advanced tab in IE via Tools > Internet Options to continue accessing digital finance solutions or upgrade to a newer supported version of Internet Explorer.

If you have questions, please contact our Customer Care Center at 1-888-692-2654.