To make your mobile experience easier we have compiled this list of frequently asked questions and answers. This list is helpful in trouble-shooting any problems you may face with Mobile Banking. Should any of these answers be insufficient, feel free to contact us.

Do I need text message capabilities to use Mobile Banking?

  • Yes, you will need text messaging in order to enroll in any form of EDSB Mobile Banking.


What is the difference between Online Banking and Mobile Banking?

  • Online banking you need to access the web, enter a website, username and password. 
  • With Mobile Banking you can access your accounts via an APP on a cell phone, with just the touch of a button or by accessing the web.

How much does mobile banking cost?

  • Mobile Banking is a free service, customers must first be enrolled for Online Banking.*
  • *Note-Message and Data rates may apply, as well as any fees or charges associated regularly associated with accounts.


Do I need mobile web access to use mobile banking?

  • No. We also offer Text Banking. Any mobile phone with texting capabilities can instantly view balances, recent transactions, and receive text alerts.
  • *Note-Message and Data rates may apply.


What types of Mobile phones can I use with Mobile Banking?

  • Text Banking – Any text compatible mobile device
  • Mobile Web Banking – Mobile phones with Internet access
  • Smart Phone APP – Selected smart phones can install a Mobile Banking APP.


Is software required to be installed on my phone?

  • No software is required for Mobile Banking, unless you choose to download and install the optional Smart Phone APP.


How do I install the Smart Phone APP?

How do I enroll in Mobile Banking?

  • You must first be enrolled in Online banking. If you are not already registered for online banking feel free to contact us or complete the enrollment form.  
  • Enrollment is completed through our Online Banking system, for detailed instructions on a standard or smart phone see more here.

How to Enroll in Mobile Banking

Is there a wait period after enrolling?

  • No. Once you have enrolled and activated the service, Mobile Banking is ready to use.

How do I log on to Mobile Banking?

  • You will need to log into the address that was sent to your phone when you enrolled into Mobile Banking.
  • For Text Banking you will need to text the number that was sent to our cell phone when you enrolled into Mobile Banking.
  • Log into the APP that you downloaded and installed onto your mobile device.


How do I log into Mobile Banking using a Blackberry? 

  • Easy, you will need to scroll to the login button and click on it or highlight the login button and hit enter.


What do I use for my Mobile Banking password?

  • The password used for Mobile Banking is the same as the password you use to log on to Online Banking. 
  • If you change your Online Banking password, your Mobile Banking password will also change.


What if I forget my Mobile Banking password or want to change it?

  • Log on to Online Banking to reset or change your password.


What if I get locked out of Mobile Banking?

  • Contact customer service at 563-587-2424 to have your Online Banking login cleared.


What types of accounts can I access with Mobile Banking?

  • Mobile Banking will provide access to the same accounts that are viewable through online banking including all active checking, savings, CD’s and loans.


Can I specify how to apply loan payments?

  • No, loan payments can only be applied as regular payments.


As a business customer can I use Mobile Banking?

  • Yes, you can access Mobile Banking.
  • If you log on to Online Banking using a token, you will be unable to utilize the Cash Management functions.


How do I receive alerts on my Mobile Banking?

  • Simple, set these up during the enrollment process by following these steps:
  1. Sign into Online Banking 
  2. Select Services
  3. Select Change information
  4. Select Additional email address.
  5. Here you will list the email address for your cell phone carrier*:

  • (Eg. US Cellular- [10 digit cell number] 563-555-1234@email.uscc.netVerizon- [10 digit cell number]
  • *Note- An example of a ten digit phone number would be: 
  • *Note- If you are unsure of the email address, ask you cellphone carrier 

  1. Go to the alerts and select the alert(s) that you would like to be sent to your cell phone via text.

  •  *Note- You can change or cancel alerts anytime by logging in to Online Banking and modifying your alert preferences.


Can I pay bills through Mobile Banking?

  • Yes. Now you can pay your bills right from your mobile phone.
  • View and modify pending payments.
  • Must be enrolled for our online bill pay service to access this feature.
  • Mobile Web service is required for this level of service. Message and Data rates may apply. Not available with our Text Banking option.


Can I set up new payees through Mobile Bill Pay?

  • No. You can easily add new payees by logging on to our Online bill pay service.

If I have access to my accounts on my phone is Mobile Banking Secure? If so, how?

  • Absolutely. Below are some of the built in security features:

Textbanking security:

  • View accounts by nicknames you set, not account numbers
  • No detailed personal information is sent

Mobile Web and APPS security:

  • 128-bit encryption* masks your sensitive information
  • Password is required each time you log on
  • Consumer’s private “picture and pass phrase” are displayed to protect against “phishing”
  • *Note- This encryption level is a banking industry standard for online and mobile banking. It is, in fact, the same level of encryption banks use for communicating with one another. It is quite secure. 

What’s to keep someone from stealing my login information and using it on their phone?

  • Our enrollment process prevents exactly this situation. When you sign up you must identify each device by its phone number. If the device is not one that has been enrolled with your banking profile then it will not be able to access your accounts in any way.

What if my phone gets lost or stolen?

  • If your phone is lost or stolen contact us that same day and we can lock your phone’s access to your accounts so that even if someone had your password and your phone they could not get access to your account.
  • You also have the ability to log into online banking and delete that phone from future access to your accounts.
  • We advise you to never store passwords or login information in unsecured locations, such as your phone.

Is software required to be installed on my phone?

  • No software is required for Mobile Banking, unless you choose to download and install the optional Smart Phone APP.

    What if I get locked out of Mobile Banking?

    • Contact customer service via phone at 563-587-2424 or via email at to have your Online Banking login cleared.


     Do's and Don'ts

    Here are some Do’s and Don’ts of Mobile banking. 



    • Stick to your bank’s apps for mobile banking.
    • Change your password frequently. Use sensible passwords and avoid the use of commonly used and easily discovered information.
    • Protect password confidentiality.
    • Treat your Smartphone as if it were a personal computer. Install antivirus software on your phone as you would on your PC.
    • Monitor the whereabouts of your phone. One big difference between your phone and your desktop computer is that the desktop computer is much less likely to fall out of our pocket or purse. 
    • Report a lost or stolen phone immediately to the bank and arrange to deactivate Mobile Banking.
    • Review account statements frequently to check for fraudulent transactions.


    • Use public Wi-Fi to conduct your banking business. You can’t be sure it is secure. Opt for wireless networks that require a network security key or have some other form of security.
    • Give PIN or ID information over the phone, internet, or share with anyone.
    • Be fooled by emails or text messages asking for personal information. Often these “phishing” messages claim to be from your bank and ask for personal information or ask you to click on provided links to update account information. “We would never ask you to provide your ID or password over digital communications.”
    • Forget to advise your bank of changes in your mobile number.
    • Multitask when you are transacting using mobile banking software installed on your phone. 
    • Under no circumstances should you use your mobile device while driving, whether you are using EDSB Mobile Banking or otherwise.