text banking frequently asked questions

What are the benefits of text banking?

Enrolled members receive the following services via text banking:

  • Members can text message requests and receive text message replies on the available balance on accounts of enrolled memberships.
  • Members can enroll in eAlerts and select to have the alerts sent to them in the form of a text message.  

How do I enroll in text banking?

You can enroll in text banking by clicking Go Mobile! at the top of the It’s Me 247 toolbar.  Then select "Text Banking Home" to access the enrollment screens.

How secure is text banking?

Our text banking service is secure.  You can activate the service only when you are securely logged into your online banking account.  Text messages will never contain confidential information about you or your accounts. Messages will never contain full account numbers.

Will I be charged for text banking?

You will not be charged by BlueOx Credit Union, however, your mobile phone carrier may charge you standard text messaging fees.  Please check with your mobile phone carrier if you aren’t sure what fees apply when you send and receive text messages.

Will text banking work on my phone?

Yes it will, as long as you have text messaging enabled with your mobile carrier and use a carrier that the service supports.  Supported carriers include: Alltel, AT&T, Cincinnati Bell, Sprint, T-Mobile, US Cellular, Verizon Wireless, and Virgin Mobile. Message and data rates may apply.

Which phone carriers are supported?

Our Text Banking service works on all major mobile providers in the U.S.  Please see the list below for carriers included:

ACS Wireless
Bluegrass Cellular
C Spire
Carolina West Wireless
Cellular One of Montana
Cellular One of NEPA
Cincinnati Bell
Element Mobile
GCI Communications
Golden State Cellular
Illinois Valley Cellular

Immix Wireless
Inland Cellular
Mobi PCS
Nex-Tech Wireless
nTelos Wireless
Plateau Wireless
Thumb Cellular
US Cellular
Verizon Wireless
Viaero Wireless
Virgin Mobile
West Central Wireless

How do I unenroll from text banking?

Simply text “STOP” to IM247 (46247) on your enrolled mobile phone, or you can return to the Text banking page and click the Unenroll button. We will no longer send text messages to you from the Text banking service. You can add a new phone at any time if you change your mind later.

Why do I need to verify my phone?

Verifying your phone is a one-time, one-way step. This is one way we ensure the security of Text banking.

Where do I find my verification code?

During enrollment we will send you a text message with your verification code. If you have already submitted your mobile number during enrollment, check your mobile device now. You should receive a text message with your verification code within a few minutes.

I still have not received my verification code, what do I do?

It might take several minutes to receive your code. If you feel you have waited long enough, you can click the Send Code Now button again. Please check your mobile device shortly for a new text message. If you still experience problems, be sure you entered your mobile device number correctly.

Can I come back later to enter my verification code?

Yes. If you experience difficulties, we recommend that you go through the enrollment process again and get a new code.

What commands or keywords can be used?

List of available commands.

Are keywords case sensitive?

No, keywords are not case sensitive. You can type ‘help’ or ‘HELP.’

What is the number I should send keywords to?

The short code is IM247 (46247). This short code will only work if you have enrolled in Text Banking.

How long does it take to get a text message?

You should receive a message within one or two minutes. Exact timing depends on your mobile service carrier.

Is there any password needed for text banking?

There is no password needed for sending and receiving text messages to IM247 (46247).

What should I do if I lose my phone?

You should go to the text banking page within Online Banking and delete the mobile device you have lost. That will terminate text banking service for that mobile device. You can always return later and enroll a new device.

I have a new mobile phone number. Can I change my number online?

Yes – you first need to delete your old phone number from within Online Banking or by texting STOP to IM247 (46247). Then enroll your new mobile device from within Online Banking.

Can I get an account balance or loan payment alert on my mobile device?

Yes, when you setup an e-Alert in Online Banking, there is an option to receive a notification via text message.

Can I transfer money using text banking?

No, for security reasons we do not allow transfers through Text Banking at this time. Consider using Online Banking or our Mobile App if you need to transfer money between accounts.

Go to main navigation