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Mobile Banking FAQ

General Information

  1. How much does this service cost?
  2. Is it secure?
  3. What do I need to use Red River Bank's Mobile Banking Service?
  4. What can I do on Mobile Banking?
  5. Which wireless carriers are supported?
  6. Do I need a text message or data plan?
  7. I'm not enrolled for OnLine Banking. Can I still use the Mobile Banking Service?
  8. What is Activation?
  9. Can I use Mobile Banking or Text Banking on more than one phone?
  10. Does Red River Bank have an app for my mobile device?
  11. Can I use Mobile Banking at any time?
  12. Can I pay a bill using Mobile Banking?
  13. What are some tips to keep my Mobile Banking experience safe?

Mobile Banking

  1. What is Red River Bank Mobile Banking?
  2. How do I access Mobile Banking on my phone's browser?
  3. Where do I find the downloadable Mobile Banking App?
  4. How do I sign up for Mobile Banking?
  5. How do I optimize my mobile web experience?
  6. How do I navigate Mobile Banking links with my phone's browser?
  7. How do I securely leave my Mobile Banking browser session?

Text Banking

  1. What is Red River Bank Text Banking?
  2. Can I use both Text Banking and Mobile Banking on my phone?
  3. Is Text Banking supported on my phone?
  4. Will I receive unsolicited text messages?
  5. What number do I text to access Text Mobile Banking?
  6. Can I make account transfers using Mobile Banking?
  7. What are the Text Banking commands?

Troubleshooting Tips

  1. I enrolled my phone number but did not receive a text message. What should I do?
  2. I received an activation code but never used it. What do I do now?
  3. What happens if I get a new phone or change phone numbers?
  4. I activated Mobile Banking on my phone's browser. Why am I being asked to activate again?
  5. What if my device is lost or stolen?
  6. How can I change my Mobile Banking settings?
  7. What if I have an iPad or an iPod Touch that is not connected through the phone company and want to access Mobile Banking through Wi-Fi?
  8. Why are text commands not working?
  9. My mobile device shows I have a strong signal, yet I cannot connect to the mobile web site on my device. What causes this to occur?
  10. What happens if I lose communication/signal during a transaction?
1. How much does this service cost?
Red River provides Mobile Banking Service free of charge to our customers. However, there may be charges associated with text messaging and data usage on your phone. Check with your wireless phone carrier for more information.
2. Is it secure?
Yes, the Mobile Banking Service utilizes best practices from online banking, such as HTTPS, 128-bit SSL encryption, password access and application time-out when your phone is not in use. In addition, no account data is ever stored on your phone.

Each phone number is activated at time of enrollment to establish a trusted relationship between the Mobile Banking system and your phone. Activation also confirms user possession of device tied to a specific phone number. Only the phones that you personally enroll in the service can access your accounts.

3. What do I need to use Red River Bank's Mobile Banking Service?
You need only two things to be able to use Mobile Banking Service.
  1. OnLine Banking with Red River Bank
  2. A mobile phone with a text or data plan
4. What can I do on Mobile Banking?
You are able to:
  1. Access account balance information
  2. View account transactions
  3. Search transactions by date, check number and amount
  4. Transfer funds between Red River Bank accounts (not available for Text Banking)
  5. Find Red River Bank ATM locations near you
5. Which wireless carriers are supported?
We support all the popular US wireless phone carriers, including AT&T, Sprint, T-Mobile, Cellular One, and Verizon. If your carrier is not listed when you enroll, select 'Other' and try the Mobile Web option, or check back later, as new carriers will be added over time.
6. Do I need a text message or data plan?
Yes, a text messaging and/or data plan is needed, as text/data usage can become expensive without them. Please check with your wireless phone carrier for more information.
7. I'm not enrolled for OnLine Banking. Can I still use the Mobile Banking Service?
You must first enable your bank account(s) for OnLine Banking before using Mobile Banking. Visit any of our banking center locations to enroll in OnLine Banking.
8. What is Activation?
Activation is a one-time process that helps ensure your security by registering your phone. After you enroll a phone, you will receive an activation code which will be used to activate/register your phone for Text and/or Mobile Banking. We recommend you print your activation code and installation instructions for easy reference during activating your phone.
9. Can I use Mobile Banking or Text Banking on more than one phone?
Yes. Visit the Mobile Banking enrollment site and simply enroll (and then activate) another phone number.
10. Does Red River Bank have an app for my mobile device?
Red River Bank has custom apps for the iPhone and Android. The BlackBerry app is no longer available.
11. Can I use Mobile Banking at any time?
Mobile Banking is available 24 hours a day, 7 days a week.
12. Can I pay a bill using Mobile Banking?
Yes, this feature is now available with our mobile banking app. Login to online banking to learn more.
13. What are some tips to keep my Mobile Banking experience safe?
  • Download and apply security updates and patches to your mobile phone when they are made available by Apple (for iPhones) or Android for all other smart phones running the Android OS. These updates are designed to provide you with protection from known possible security problems.
  • To prevent viruses or other unwanted problems, do not open attachments from unknown or untrustworthy sources.
  • Do not install pirated software or software from unknown sources.
  • Limit unauthorized access to your cell phone. Do not leave your mobile phone unattended during an open Mobile Banking session.
  • Always remember to log off properly using the "Sign Off" button when you have completed your Mobile Banking activities.
  • Be aware of the potential for fraudulent Mobile Banking apps.
  • Do not add your login credentials to the memo pad or voice record them on your mobile device, as this information could then be obtained by others if your phone is lost or stolen.
  • Password protect your mobile device if possible.
14. What is Red River Bank Mobile Banking?
Mobile Banking gives you access to your accounts from your mobile web browser or a downloadable Mobile Banking application, depending on your preference and your phone capabilities.
15. How do I access Mobile Banking on my phone's browser?
After successful activation, your phone will receive a text message with your Mobile Banking URL. You can visit the site at any time at http://m.redriverbank.net.
16. Where do I find the downloadable Mobile Banking App?
You will find Red River Bank's app wherever you go to download apps for the particular type of phone you own. For example, for iPhones, you will find the Red River Bank app in the iTunes store; for Android phones, in Google Play.
17. How do I sign up for Mobile Banking?
Sign into your OnLine Banking on your computer and choose the Mobile Banking option. Enroll your mobile phone and follow the activation instructions.
18. How do I optimize my mobile web experience?
We recommend three steps to optimize your experience. (1) Enable cookies on your phone's browser. (2) Bookmark our Mobile Banking site m.redriverbank.net.
19. How do I navigate Mobile Banking links with my phone's browser?
There are two easy ways to navigate links. You can either click on the link or enter the associated "accelerator key" number. Just type the number to quickly navigate to the link's destination. Accelerator key numbers appear next to many, but not all of the content links.
20. How do I securely leave my Mobile Banking browser session?
Select the Sign Off link to sign out of Mobile Banking, and then close your browser through your mobile device browsing options. If you are using a downloadable app, click on Sign Off to stop your Mobile Banking session.
21. What is Red River Bank Text Banking?
Text Banking gives you access to your accounts via text (SMS) messages on your phone. It's a fast, easy way to look up account balances or recent account history by sending a text command to a shortcode. Red River Bank's shortcode is 79022.
22. Can I use both Text Banking and Mobile Banking on my phone?
Yes, you can use both options from the same phone. To do so you will need to activate each option on your phone prior to use.
23. Is Text Banking supported on my phone?
Text Banking will work on any text message (SMS) capable phone from one of our supported carriers. You will need a messaging plan with your service provider that enables your phone for text messaging.
24. Will I receive unsolicited text messages?
No. Red River Bank does not share or sell your phone number to marketing firms. You will only receive messages when you specifically request them with one of the Text Banking commands or if you subscribe to Mobile Alerts in OnLine Banking.
25. What number do I text to access Text Mobile Banking?
Once enrolled, text to 79022 to access the features of Text Mobile Banking.
26. Can I make account transfers using Mobile Banking?
You can make transfers between Red River Bank accounts using Mobile Web banking or the Mobile Banking App. As of July 29, 2012, account transfers by text messaging will no longer be available. Account transfers can also be done using OnLine Banking or Personal Touch 24, Red River Bank's 24/7 telephone banking service.
27. What are the Text Banking commands*?
Function Command Description
Balance B Summary of available balances for all accounts
History H Summary of recent transactions per account
Command C List of available Text Banking commands
Help HE Help content for Text Banking
Login L Receive a URL for the Red River Bank Mobile Browser website
Recover R Receive a URL and new activation code for the Red River Bank Mobile Browser website
Stop S De-activate all Red River Bank text services
More M View additional Balance, History or Transfer lists, if applicable

NOTE: You can check for additional available commands by activating your phone and sending text command C to 79022.

28. I enrolled my phone number but did not receive a text message. What should I do?
Typically you should receive a text message within a few minutes after enrolling, however sometimes mobile carriers experience delays which slow down text message delivery. While waiting, make sure your phone has a wireless signal. In addition, be sure you entered the correct phone number on the enrollment site. If you still do not receive it, contact your wireless carrier to be sure text messaging is enabled on your phone.
29. I received an activation code but never used it. What do I do now?
Activation codes expire twelve (12) hours after being issued. To obtain another activation code, return to the Mobile Banking enrollment site within OnLine Banking and request a new activation code.
30. What happens if I get a new phone or change phone numbers?
If you get a new phone with the same number, return to the Mobile Banking enrollment site in Online banking via your PC and update your phone profile. You will then reactivate your new phone with your new activation code.

If you have a new phone number, we recommend you remove your old phone in Online banking and re-enroll your new phone in online banking.

31. I activated Mobile Banking on my phone's browser. Why am I being asked to activate again?
At the time of activation, a "cookie" is stored on your phone's browser which allows the Mobile Banking system to recognize that phone. Some phones may require you to periodically erase the cookies, thus requiring re-activation. If you are experiencing this issue, check your phone settings to ensure that cookies are enabled. If enabled and the issue persists, consider using an alternative mobile web browser with strong cookie support, such as Opera Mini (which can be found by visiting mini.opera.com on your phone's browser).

However, to activate your phone again is easy. Go to the Mobile Banking tab in OnLine Banking and click on "Get Activation Code". You will be given an Activation Code and instructions to activate your phone. The process is the same as when you originally activated your phone.

32. What if my device is lost or stolen?
There will be no financial information from Red River Bank saved on your phone as part of the Mobile Banking Service. You can immediately cancel Mobile Banking Service to that phone by going to OnLine Banking, Mobile Banking option, and either disable the phone or completely remove the phone. If you are not able to access OnLine Banking, call us as soon as possible at (318) 561-4000 in Central Louisiana, (318) 675-2900 in Northwest Louisiana and (225) 923-0232 in Southeast Louisiana to request that we disable your phone. (You may also want to call your wireless provider and report your phone as being lost or stolen.)
33. How can I change my Mobile Banking settings?
You are able to add a device, disable or remove a device by visiting the Mobile Banking enrollment site in OnLine Banking.
34. What if I have an iPad or an iPod Touch that is not connected through the phone company and want to access Mobile Banking through Wi-Fi?
During Step 1 of the enrollment, under Mobile Carrier, select "Other/iPod Touch". Under the phone number, you can enter your landline phone number. Follow the instructions to continue activating your device.
35. Why are text commands not working?
If you have an auto signature added to all of your texts, the Mobile Banking system will receive those characters and will try to make sense of them. Since the signature doesn't match a command, all of your texts to us will be interpreted wrong. Please shut off automated signatures when texting commands within our Text Banking service.
36. My mobile device shows I have a strong signal, yet I cannot connect to the mobile web site on my device. What causes this to occur?
The signal display on the mobile device is an indication of the phone's ability to place calls. The Mobile Banking website requires a data network (internet connection) to perform data exchanges. The problem you described could be due to lack of signal or due to no data connection on the mobile device. Please contact your wireless service provider for assistance.
37. What happens if I lose communication/signal during a transaction?
If you do not receive a confirmation message due to a lost signal, you may verify a transaction by reviewing your transaction in Mobile Banking or in OnLine Banking.

*You can check for additional available commands by activating your phone and sending C to 79022

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