What is Mobile Banking?
Mobile Banking allows members to access their CUNJ accounts (checking, savings, certificates, and loans) from their mobile devices. There are three types of Mobile Banking available: SMS/Text, Web or App.
What are the requirements for Mobile Banking?
How do I enroll in text based mobile banking?
How much does Mobile Banking cost?
Free. Please note your mobile carrier may assess text messaging and/or Web access charges.
What wireless carriers support Mobile Banking?
All wireless carries support Mobile Banking.
Will Mobile Banking work on my phone?
Your phone needs to send and receive text messages and/or have a mobile internet browser. Check with your mobile phone provider.
Can I use more than one access mode on my phone?
Yes, you can use any combination of the three depending on your phone's capabilities.
Can I use the service on more than one phone?
Yes. Sign into online banking to add and activate another phone.
What should I do if I receive an error message?
Please contact a Member Service Representative at (609)538-4061,so we can help to resolve the problem.
What should I do if I didn't receive a reply from my text message?
First, make sure your mobile device can receive text messages. If so, please contact a Member Service Representative at (609)538-4061.
What should I do if I forgot my Mobile Banking User ID and/or PIN?
Please contact a Member Service Representative at (609)538-4061.
What should I do if I change wireless carriers?
What should I do if I get a new phone or number?
How do I cancel Mobile Banking service?
How do I use SMS/Text Mobile Banking?
After you enroll in Mobile Banking, a text message will be sent to your mobile device with instructions on how to use Mobile Banking.
If you select the Text Message Option, you'll receive the number, or short code, to send text messages to and the list of commands.
What is the number, or short code, to send a text command?
Are text commands case-sensitive?
Commands are NOT case-sensitive.
What are the text commands?
You can also sign up for a weekly text that will give you your primary account balance and for low balance alerts.
Will I receive any unsolicited text messages?
No. You will only receive a message when you specifically request them with one of the Text Banking commands.
Do I need a text message or data plan?
Yes, a text messaging and/or data plan is needed, as pay as you go data usage can become expensive without them. Consult with your wireless carrier for more information.
How do I use web based Mobile Banking?
Open your browser in your cell phone and type in www.CUNJ.org.
How do I access app based Mobile Banking?
iPhone users should visit the iPhone App store and download the CUNJ app. Droid users should visit the App Marketplace and type in CUNJ to download the app.
Tip: Create a bookmark in your phone's browser for quick access.
What security is used on Mobile Banking?
Our Mobile Banking uses the same secure technology that is used within your Online Account Access. We use Secure Socket Layer technology (SSL) in combination with the same Multi Factor Authentication technology and security that is used within Online Account Access. All of your data is encrypted and secure!
What should I do if I lose my phone?
Tip: Never store passwords or PIN numbers on your mobile device.
Do I need to worry about fake messages trying to get to my account information like "pharming or phishing"?
What information is stored on my mobile device?
No user authentication or account information is stored in the mobile phone. All account information is deleted when you quit the application. The only information on your mobile phone will be old text messages which do not contain any personal information.
How up-to-date are my account balances and history?
Balances and transactions are real-time.
Are transfers between my accounts effective immediately?
Yes. Transactions performed immediately.
Can I set up automatic transfers?
No. You can set up automatic transfers in Online Banking.