Mobile Banking - Frequently Asked Questions
What is Mobile Banking?
Mobile Banking is a feature of your Capital City Bank OnLine Service, which allows you to conduct your banking securely and conveniently from your mobile device. With Mobile Banking, you may access all of your accounts currently displayed on your Capital City Bank OnLine service.
What are the features and benefits of using Mobile Banking?
- Check account balances
- View transactions
- Transfer funds between accounts
- Pay Bills
- View Alerts
- Receive text confirmations of transfer and bill payment transactions (must have text messaging capability on your mobile device. Standard text messaging rates apply.)
- Bank on-the-go
- Free to Capital City Bank OnLine clients (service/plan fees charged by the mobile service provider are the responsibility of the user)
Is Mobile Banking secure?
Yes, your personal information is protected by advanced encryption technology to prevent unauthorized access, and the verification of your personal identification image ensures you are on the Capital City Bank OnLine Mobile Banking site. As an added level of security, at times you may also be asked to answer your "secret" security questions. All these features are available to give you confidence your information is protected and secure.
What type of mobile device and mobile service is required for Mobile Banking?
Most mobile telephones are compatible with Mobile Banking. For optimal utilization of Mobile Banking, a "smart" phone is recommended. A mobile device with Internet access and an Internet browser application that supports secure SSL connections and is "WAP 2.0" compliant is required in order to view your accounts via Mobile Banking. If you wish to receive a text confirmation message via "text" regarding the transfer and bill payment transactions initiated via your mobile device, a text message feature is needed. Standard text messaging rates from your mobile service provider apply.
What mobile service providers are compatible with Mobile Banking?
Mobile Banking will work with most service providers. Below are a few mobile service providers located in the Capital City Bank markets. If you need support with your mobile device, a link is provided below for accessing the Web sites of the following providers.
How do I activate Mobile Banking?
Set up is quick and easy!
- Log on to your Capital City Bank OnLine service.
- Choose the Options tab from the menu.
- Then select Mobile Settings.
To activate Mobile Banking, simply provide the requested information. You must also read and agree to the Mobile Banking Agreement.
How do I access Mobile Banking?
Go to the following URL via the Web browser on your mobile device:
- Enter your Capital City Bank OnLine User ID, then select submit.
Enter your Capital City Bank Online Password and select submit again.
Quick Tip: For easy access, add ccbmobile.mobi to your list of Bookmarks or Favorites on the Web browser of your mobile device.
- Go to the following URL via the Web browser on your mobile device:
I have been asked to answer my "secret" security questions while using my mobile device and I cannot remember the answers. What do I do?
Just as when you are accessing your Capital City Bank OnLine service via your personal computer, you may be prompted to answer your "secret" security questions when using Mobile Banking. If you are unable to answer your "secret" security questions, a Capital City Banker is available to assist you Monday through Friday between 8 a.m. and 6 p.m. ET at 888.671.0400. For any other information a Banker is available by Live Chat Monday through Friday between 7 a.m. and 8 p.m. and Saturday between 9 a.m. to noon or by email.
What happens if I lose the signal/communication during a Mobile Banking transaction?
If you have the texting feature with your mobile service provider, each transfer and bill payment performed through Mobile Banking will be confirmed with a text message sent directly to your mobile device. If you do not receive a confirmation message or do not have a texting feature on your mobile device, log on to your Capital City Bank OnLine service via your personal computer to view the transaction status. If the transaction is not detailed on your service, the requested transaction did not occur.
What do I need to do if I get a new mobile device?
If you obtain a new mobile device and are using the same phone number and service provider, then no changes are necessary. If you switch service providers and/or phone numbers, log on to your Capital City Bank OnLine service via your personal computer and update your information by clicking on Mobile Settings under the Options tab. For security reasons, SMS Text Messages are sent only to the phone number listed under Mobile Options.
Important: Be sure to check with your wireless carrier to ensure your new mobile device and its Internet browser application support secure SSL connections and is "WAP" 2.0" compliant.
What happens if I lose my mobile device?
No need to worry. Your account information is not stored on your mobile device, therefore, it cannot be stolen. When you replace your mobile device, simply verify your Mobile Banking information is correct by logging into Capital City Bank OnLine via your personal computer and clicking on Mobile Settings under the Options tab. If there are changes to your mobile device provider or number, update your information in the Mobile Settings section.
Can I setup my bill payment payees via Mobile Banking?
New bill payment payees must be added to your Capital City Bank OnLine service via your personal computer. Once a new payee is established using your personal computer, you will be able to view it on your mobile device.
Do I need a password to use Mobile Banking?
Yes, you will use your current Capital City Bank OnLine User ID and Password each time you access your information via your mobile device.