Mobile Banking FAQ

How do I enroll in mobile banking services?
For Online Banking customers:
  1. Login to Online Banking. Click on the MOBILE button.
  2. Enter your phone number and choose your mobile provider.
  3. Select which accounts you would like to access from your mobile device and click SUBMIT.
  4. Read and ACCEPT the terms and conditions.
  5. A confirmation text will be sent to your phone.
Click here for our step by step enrollment guide.
If you are not currently an Online Banking customer, you must enroll in Online Banking in order to access Mobile Banking. To sign up or open an Online Banking account, CLICK HERE.

What happens after I enroll through online banking?
Your mobile device will receive a series of text messages from us. The first one requires a text response of YES to accept and complete the enrollment. The second one provides the URL for our mobile browser and the third provides the short code 89549 for future texting purposes.

How long does it take to get a text in response?
Typically, responses take less than a minute, depending upon your service provider.

Is Mobile Banking Secure?
We use 128-bit SSL encryption to protect your information. This industry-approved security technology prevents anyone from intercepting or interrupting information transmitted from your mobile device to UniBank. The same encryption used to protect you in Internet Banking is used for Mobile Banking.

Is UniBank Mobile banking free?
UniBank’s Mobile Banking services are Free! However, your mobile phone service provider may charge for text messages or Internet usage—check your plan for details.

What do I do if my mobile phone is lost or stolen?
Call our call center at 800.578.4270.

Do I need an app to use the Mobile Web Browser?
No, an app is not required. The Mobile Web Browser works anywhere you have access to the internet. To use your Mobile Web Browser, simply visit our website at and log in. 

How do I download the Mobile Application for my Android?
Download our free application through Google Play Store.

How do I download the Mobile Application for my iPhone and iPad?
Download our free application for iPhone and iPad available through the iTunes App Store.

How do I know if I have the most recent Mobile Application version?
Visit Google Play Store or the iTunes App Store to determine if you are on the most recent version.

Are there any mobile devices that cannot be used for Mobile Web and Text Banking?
The minimum requirement for access mobile web is a data plan and a WAP browser. Most phones have these types of browsers but not all prepaid phones come with a data plan. Phones which do not have data plans can still use Text Banking however.

How do I access the Web channel through my mobile browser?
You can access the Mobile Web Browser using the link:
Or you can access the full website at

What if my mobile device does not have an Internet Browser?
Then the mobile device is not compatible with the mobile web. However, it may be compatible with Text Banking functions.

How much history is available through Text Banking?
Typically, about four of your last transactions are available. To view more history, use our online banking services or use the browser based application for mobile if your device supports internet.

What is the difference between Text Banking, Mobile Web and the Mobile Applications?
Text Banking provides basic mobile functionality by texting messages to 89549 which is UniBank. UniBank then responses to whatever text message request you have texted, such as BAL for balances on your accounts. With Mobile Web you use your mobile phone’s web browser to access your UniBank account information by using the Mobile Login information you chose during enrollment. Our apps can be downloaded to your phone and provide a unique experience designed for iPhone, iPad and Android devices.

How do I change my mobile number?
Log into online banking, select Mobile banking and update your mobile phone number.
It’s that simple.