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Text Banking

Cathay Bank Text Banking

Text Banking makes it easy to access account balances and transactions, right on your mobile phone. It's the fastest way to get your balances – anytime, anywhere.

Cathay Bank Online Banking customers can enjoy the convenience of managing your accounts whenever and wherever you want, right on your mobile phone. Cathay Bank’s Text Banking Service is available at no additional cost to our online banking customers. Message and data rates may apply from your wireless carrier. 

Our Text Banking service works on all major mobile providers in the U.S., including (but not limited to): AT&T, Alltel, Celluar One, Dobson, Nextel, Sprint, T-Mobile, Unicel, U.S. Cellular, Verizon Wireless, MetroPCS, Cricket and nTelos.

 

Why you can trust Text Banking

  • Cathay Bank is dedicated to protecting your personal information. We use a variety of technologies and techniques to help ensure that our products and services remain secure.
  • Text Banking does not send any User IDs or Passwords as part of this service.
  • As part of the activation process, Cathay Bank works hard to ensure that the customer enrolling in Text Banking is the one holding the mobile device or cell phone. Cathay Bank will send an unique Activation Code as a text message to the mobile device to confirm we can communicate with that specific mobile device or cell phone. You must enter this Activation Code to complete your activation.

 

How it works

Step 1 – Login into Cathay Online Banking, and click on the Customer Service tab.  Click on Manage mobile banking settings under Account Maintenance.

Step 2 – In the new window click on the Enroll Mobile Device link.  Follow the instructions on the screen, and we'll send you a text message with a unique activation code that you'll need to enter to complete the process (this is to protect you from fraudsters attempting to access your account). Once verified, select your preferences, and you’re done!

Step 3 – You may start texting now.  Just send a text message to 79680 whenever you want, and we'll send the response right back to your phone (it's just like texting your friends!) Here is the list of available commands you can text:

Command Code Definition
Balance

B or BAL

B <Text BankingAcctNumber>

Summary of balances for all available accounts.

Balance shortcut for a specific account.

Command C or CMD List of available Text Banking commands.
Help HE or HELP or INFO to 79680 Help content for SMS Text Banking.
History

H or HIST

H <Text BankingAcctNumber>

Summary of recent transactions per account, in descending order by date (i.e., most recent transactions first).

History shortcut for a specific account.

Login L or Login Receive a URL for Cathay Bank’s Mobile Browser website.
More M or MORE or NEXT If there are additional messages available from an initial command request, this command will display the next message.
Request Activation R or REQUEST ACTIVATION This command is used to retrieve the mobile web URL so that the web mode of mobile banking can be reactivated if the user has deleted the cookie from their device browser.
Stop S or STOP to 79680 Cancels Text Banking and Alerts.


Contact us at 800-922-8429 if you need assistance.

Text Banking FAQs

1. How secure is Text Banking?

Our Text Banking service is secure. You can activate the service only after logging into our Internet banking site. Text messages will never contain confidential information about you or your accounts. Messages will never contain full account numbers.

2. Will I be charged for Text Banking?

Cathay Bank’s Text Banking Service is available at NO ADDITIONAL COST to our online banking customers. Message and data rates may apply from your wireless carrier.

3. Will Text Banking work on my phone?

Yes it will, as long as you have text messaging enabled with your mobile carrier and use a carrier that the service supports. Please check with your mobile carrier if you are unsure.

4. Which carriers do you support?

Our Text Banking service works on all major mobile providers in the U.S., including (but not limited to): AT&T, Alltel, Cellular One, Dobson, Nextel, Sprint, T-Mobile, Unicel, U.S. Cellular, Verizon Wireless, MetroPCS, Cricket and nTelos.

5. How do I deactivate the Text Banking service?

Text STOP to 79680 on your activated cell phone.

Or you can return to the customer service page in online banking, navigate to Manage mobile banking settings and click the Disable device link next to your mobile device number. Your phone will no longer receive any text messages from Text Banking. You can add a new phone on this page at any time if you change your mind later.

6. Why do I need to verify my phone?

Verifying your phone is a one-time step and is one way we ensure the security of mobile text messaging.

7. Where do I find my activation code?

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

8. I still have not received my code, what do I do?

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.

9. Can I come back later to enter my activation code?

Yes you can. If you experience difficulties, we recommend that you go through the setup process again and get a new code.

10. Can I get the balances of all my other accounts?

Yes - when you text BAL to 79680, we will reply with a message containing the balances of all available accounts.

11. What commands or keywords can be used?

Use any of the following commands/keywords:

Command Code Definition
Balance

B or BAL

B <Text BankingAcctNumber>

Summary of balances for all available accounts.

Balance shortcut for a specific account.

Command C or CMD List of available Text Banking commands.
Help HE or HELP or INFO to 79680 Help content for SMS Text Banking.
History

H or HIST

H <Text BankingAcctNumber>

Summary of recent transactions per account, in descending order by date (i.e., most recent transactions first).

History shortcut for a specific account.

Login L or Login Receive a URL for Cathay Bank’s Mobile Browser website.
More M or MORE or NEXT If there are additional messages available from an initial command request, this command will display the next message.
Request Activation R or REQUEST ACTIVATION This command is used to retrieve the mobile web URL so that the web mode of mobile banking can be reactivated if the user has deleted the cookie from their device browser.
Stop S or STOP to 79680 Cancels Text Banking & Alerts.

12. Are keywords case sensitive?

No, keywords are not case sensitive.

13. What is the number I should send commands to?

The short code is 79680. This short code will only work if you have activated the Text Banking Service.

14. How long does it take to get a text message?

You'll receive a text message response within several minutes. Exact timing will depend on your mobile service carrier.

15. Is there any password needed for Text Banking?

You don't need a password to access your account information via text message.

16. What should I do if I lose my phone?

Log on to online banking, go to the customer service page, navigate to Manage mobile banking settings and click the Disable device link next to your mobile device number. That will terminate the service for the mobile device. You can always return later and activate a new phone.

17. I have a new mobile phone number. Can I change my number online?

Yes - you first need to deactivate your cell phone by going to the customer service page in online banking and navigate to Manage mobile banking settings. Click the Disable device link next to your mobile device number page or text STOP to 79680 from the mobile phone you want to deactivate. You must update your new phone number with the bank by contacting your local Cathay Bank branch. Once we've updated our records with your new number you can add a new mobile phone number by clicking Enroll Another Mobile Device from the Manage mobile banking settings page in online banking and set up the new cell phone number.

18. Can I get a text when my account balance falls below a certain amount?

Yes - first you'll need to go to the Customer Service page within online banking and click Manage Alerts under the Contact Options sections. From the list of alert types find Starting Balance is Below Minimum and click the link Add. Enter the amounts for First warning balance and second warning balance as well as the phone number where you'd like the alert sent. If your cell is not listed, make sure to add it by clicking the Add contact information link and follow the directions. You will need to complete this procedure for each account you wish to receive alerts about.

19. Can I transfer funds between my my primary accounts using my phone?

Funds cannot be transferred via Text Banking. However, you may transfer funds from your phone via Cathay Mobile Web Banking and the Cathay Bank Mobile Banking App. Alternatively, you may log into your online banking directly to transfer funds.

20. I share a joint account. Can I set up two phones for the same primary account?

Yes, each account owner can add their own mobile phone number to their individual online banking logins. To do this each account owner can log in to Cathay Online Banking, select the Activate another phone link on the customer service page in Manage mobile banking settings and then complete the simple two-step process to add a mobile device.

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Please do not include sensitive information such as account numbers or other personal information such as Social Security or Tax Identification numbers, driver’s license numbers, etc. in any email sent to us via this link.