Text Banking FAQs

We’ve put together a list of handy FAQs to help you start Text Banking. And don’t forget, if you’re still having trouble, you can always call 305-293-6805, or email us with any questions.

WHAT IS TEXT BANKING?

Text banking allows you to send a text message to First State Bank to retrieve balances and transaction history or make transfers.  To access Text Banking you need a mobile device with the ability to send and receive text messages.   

IS THERE A CHARGE TO USE TEXT BANKING?

First State Bank does not charge to use Text Banking; however, your mobile provider’s message and data rates may apply.  

IS TEXT BANKING SAFE?

Text Banking is safe and secure.  Your name and account number(s) are not displayed. The information sent from Text Banking is similar to the information printed on an ATM receipt. You should still protect your mobile device.  Click here for Smartphone Security Information Resources.  

HOW DO I ENROLL IN TEXT BANKING?

To set up Text Banking, log in to your Online Banking account at www.KeysBank.com. Under Settings select Text Enrollment. Click the radio button to turn on Text Banking and enter your mobile phone number in the SMS Text Number field. Review the Terms and Conditions, check the Agree to Terms box, and hit the Save button at the bottom of the screen. Note: Your mobile phone number can only be used for one Online Banking login.

You will receive a pop up message asking you to configure your accounts. Select “Visit Preferences”. You should automatically be taken to the Account Preferences screen, Text tab. If not, under Settings, select Account Preferences and click on the Text tab. Select which accounts you wish to have enabled for Text Banking, the order that they appear, and the display name(s) of the accounts (maximum of four characters, alpha or numeric). Once you have finished configuring your account(s), click the Submit button.

If this is your first time enrolling for Text Banking, you will receive a text from 226563 (BANKME) welcoming you to the service.

HOW DO I USE TEXT BANKING?

Once enrolled, you can text any of the following commands to 226563 (BANKME) to receive information back via text message.

BAL Requests account balance for all accounts Example: BAL or Bal or bal
BAL <account> Requests account balance for a specific account Example: bal chkg or BAL CHKG
HIST <account> Requests last 10 transactions in account history Example: HIST chkg or Hist Chkg
XFER <from account> <to account> <amount> Transfer funds between accounts Example: XFER chkg Sav 10.00
LIST Receive a list of available text commands  
HELP Receive a text directing you to our Text Banking FAQs  
STOP Disable Text Banking for the mobile # (receive one text reply)  

HOW OFTEN WILL I RECEIVE TEXTS FROM TEXT BANKING?

Texts are only sent when you send a text to 226563.  Text messages are limited to 160 characters.  Depending on the request, multiple replies could be received.  For example, If you text BAL and have several accounts, you could receive two or more replies with your account balances.  If you text HIST <account>, the reply will be four texts with the details of your last 10 transactions.

HOW DO I SEND A TEXT TO TEXT BANKING?

You can draft a new text message to 226563 (BANKME) or, if you have saved our Text Banking number to your contact list, you can send a text to that contact.  For example, “FSB”, “First State Bank”, or “Text Banking”.

WHY DID I NOT GET A REPLY? 

If you do not receive a text message from your command (BAL, HIST etc…) within a few moments, please check the number you sent the message to and the spelling of your command as some devices may use auto-correct. Your mobile provider may be blocking short codes or you may have blocked short codes on your mobile phone.  Short codes are an abbreviated phone number and must be enabled to use Text Banking. 

ARE TEXT BANKING COMMANDS CASE SENSITIVE?

No, they are not. 

CAN I EDIT THE ACCOUNTS THAT APPEAR IN TEXT BANKING?

Yes, you can change the accounts that appear and the display names for accounts through Online or Mobile Banking.  Log in and click on Settings, Account Preferences, and Text to change this information.

WHAT HAPPENS IF MY PHONE IS LOST OR STOLEN?

Contact your mobile provider and ask to cancel the wireless service on your phone.  First State Bank can disable your Text Banking login.  When you receive a new phone, you can re-enroll through Online Banking.

WHAT MOBILE PHONES ARE SUPPORTED?

All mobile phones that can send and receive SMS (short message service) text messages are supported.  Contact your wireless carrier to verify your mobile plan supports SMS text messaging and what fees may apply.  

The following are a list of supported wireless carriers:  Alltel, Appalachian Wireless, AT&T, Bluegrass Cellular, BoostMobile, Cellcom, Cellular South, Centennial Wireless, Cincinnati Bell, GCI, Immix Wireless, Inland Cellular, IV Cellular, Nex-Tech Wireless, Nextel Communications, nTelos, Revol Wireless, Sprint PCS, T-Mobile, U.S. Cellular, United Wireless, Verizon Wireless, Virgin Mobile, and West Central Wireless.