3
What happens if I keep getting locked out of my account when I try and log in
on my mobile phone? Why doesn’t it accept my log-‐in information?
Using your mobile phone to enter data takes a little practice. User IDs are case sensitive; make sure you
are entering your User ID exactly as you initially entered it. If your User ID begins with a lower-‐case
letter, you may need to use your phone’s shift key to change the default from upper case. In addition,
some phones require extra shift key presses to enter numbers instead of letters.
What do I do if I get a “page cannot be displayed” message?
If you get a page cannot be displayed message, you have most likely lost your connection. Try again to
establish your connection. If the problem continues, call FOCUS Bank Customer Service at 1-‐800-‐464-‐
3150.
What happens to my session if my phone locks from inactivity?
For security reasons, the session remains open for 5 minutes of inactivity. After 5 minutes, the session
ends.
For iPhone users -‐ You should set your phone auto-‐lock to 4 minutes or less.
What happens if I end my call without logging off of Online Banking? How long
will my session stay active?
For security reasons, the session remains open for 5 minutes of inactivity. After 5 minutes, the session
ends.
Is Mobile Banking secure?
Mobile Banking employs industry best practices with regards to security. It has been assessed against
industry security criteria by a number of independent system security experts.
At a high level, Mobile Banking offers the following security safeguards:
Authentication -‐ Mobile browser and application solution customers are authenticated for every
interaction with any Mobile Banking component. Customers are authenticated by username and
password or by utilizing existing login credentials for single sign-‐on.
Encryption -‐ 128-‐bit encryption is used for all transactions within Mobile Banking and between Mobile
Banking and other Fiserv solutions (e.g., core banking and payment systems).
Fraud -‐ Mobile Banking incorporates mechanisms such as transaction validation and transaction
reconciliation processes to detect fraud.
Availability/Resilience -‐ Mobile Banking is protected against malicious attacks through software and
server hardening measures.
Audit Ability -‐ Mobile Banking provides full audit capabilities through event logs and event-‐based
reporting.
Is my personal or financial information stored on my phone?
No. Mobile Banking does not save any files with personal or financial information on your mobile device.
That information stays strictly within online banking. Some phones (e.g., BlackBerry, Android) have logo
and branding files that are copied to the mobile device. Those files do not contain any personally
identifiable information.
4
Which accounts can I access using Mobile Banking?
You can access any account you have set up in online banking. You select which accounts you want to
access using Mobile Banking during the enrollment process.
How current is the account and transaction information?
When you view your account balance, you see the current available balance. When you view transaction
history, you see the most recently posted transactions. Pending transactions do not display.
Can I add more than one mobile phone?
Yes. You can enroll several mobile devices for Mobile Banking. To add a new phone, complete the
Mobile Banking Enrollment section.
What if my phone number changes?
If your mobile phone number changes, simply update your mobile phone number in Mobile Banking. To
update the mobile phone number, complete the How To Change a Phone Number section.
What if my phone is lost or stolen?
If your mobile device is lost or stolen, no one can access your account without knowing your password
and, in some cases, your unique user name. To prevent unauthorized access to your account, you can
deactivate your phone in Mobile Banking. To deactivate your mobile device, complete the How To
Deactivate or Stop Using a Mobile Device section.
How do I stop using Mobile Banking on my phone?
To stop using Mobile Banking on your mobile device, complete the How To Deactivate or Stop Using a
Mobile Device section.
Which phones can I use for Mobile Banking?
Hundreds of models are supported including these major brands: iPhone, BlackBerry, HTC, LG, Motorola,
Nokia, Pantech, Samsung, Sanyo, and Sony Ericsson. Phones on a number of different operating systems
are supported including, but not limited, to Android, BlackBerry, iOS, Symbian, Windows Mobile, Linux,
Palm webOS, and Maemo.
Which mobile service carriers support Mobile Banking?
Mobile Banking works on all major mobile service carriers in the U.S.: AT&T, Sprint, T-‐Mobile
®
, U.S.
Cellular
®
and Verizon Wireless. Mobile Banking also works on a number of the smaller service carriers,
including, but not limited to, Boost Mobile, Cricket Wireless, Metro PCS, Pioneer Cellular, Union Wireless
and Virgin Mobile USA.
I have a prepaid plan, can I use Mobile Banking?
Mobile Banking works with most prepaid plans, but we cannot guarantee that your carrier supports
standard U.S. short codes. T-‐Mobile prepaid does not support short codes.