Mobile FAQ

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?

• Valid CUNJ Membership
• Enrollment in Online Banking
• Provide a valid e-mail address
• Receive text messages and/or internet access from mobile device

How do I enroll in text based mobile banking?

• Log in to Online Banking.
• Click the "User Options" tab.
• Complete the registration process.

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?

• Log in to Online Banking.
• Click the "Notifications" tab.
• Click "Change Mobile Device Setup".
• Place a check mark on "Change phone model".
• Enter the new provider and device information.

What should I do if I get a new phone or number?

• Log in to Online Banking.
• Click the "Notifications" tab.
• Click "Change Mobile Device Setup".
• Place a check mark on "Change phone model".
• Enter the new provider and device information.

How do I cancel Mobile Banking service?

• Log in to Online Banking.
• Click the "Notifications" tab.
• Click "Delete Enrollment".
• Click on "OK" to confirm you'd like to discontinue 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?

454545

Are text commands case-sensitive?

Commands are NOT case-sensitive.

What are the text commands?

• BAL (Primary account balance)
• BALALL (All account balances)
• LAST (Last 5 transactions on primary account)
• BALCHK (Balance of all checking accounts)
• BALSAV (Balance of all savings accounts)
• HELP (Send information on the commands and how to use)
• TRANS (Transfer funds to primary account)

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?

• First, contact your mobile carrier and ask them to suspend your service.
• Next, log in to Online Banking, Click the "My Mobile" tab.
• Click "Delete Enrollment."

Tip: Never store passwords or PIN numbers on your mobile device.
Enable the "LOCK" feature on your mobile device for extra security.

Do I need to worry about fake messages trying to get to my account information like "pharming or phishing"?

• Make sure you know who has sent you any message - if in doubt, delete it without reading it if possible.
• Never click on any links if you are not sure of the sender.
• Never send any confidential information to anyone - CUNJ will never ask you to "go here and fill in this information" or "please send us this information." Also, CUNJ will never send you an email or text message regarding a compromised account nor will we ask you to verify any information regarding accounts via email or text. We will always contact you directly via mail or phone if this type of information is needed.

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.