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Cathay Bank Text Banking FAQ

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.
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.
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.
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, Celluar One, Dobson, Nextel, Sprint, T-Mobile, Unicel, U.S. Cellular, Verizon Wireless, MetroPCS, Cricket and nTelos.
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.
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.
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.
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.
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.
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.
What commands or keywords can be used?
Use any of the following commands/keywords:

Stop S or STOP to 79680 Cancels Text Banking & Alerts.
Command Code Definition
Balance B or BAL Summary of balances for all available accounts.
B <Text BankingAcctNumber> 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 Summary of recent transactions per account, in descending order by date (i.e., most recent transactions first).
H <Text BankingAcctNumber> 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.
Are keywords case sensitive?
No, keywords are not case sensitive. 
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.
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.
Is there any password needed for Text Banking?
You don't need a password to access your account information via text message.
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.
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.
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 recieve alerts about.
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.
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.

Other questions? Contact us at 1-800-9CATHAY (1-800-922-8429) for assistance.


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