Q: What is Mobile Banking?
A: Mobile Banking allows you to view account information, transfer money and pay bills from certain supported mobile devices.
Q: What functions can I perform with Mobile Banking from my mobile device?
A: You can view your account balance, view history, transfer between accounts, pay bills, and find office and ATM locations.
Q: Do I have to be an Online Banking user to enroll in Mobile Banking?
A: Yes. Mobile Banking is an additional feature of Online Banking.
Q: How do I enroll in Mobile Banking?
A: Log in to your Online Banking account.
- Click the “Other Services” tab.
- Click on the “Mobile” tab on the submenu.
- Complete the requested information. Preview and submit your request.
- You will receive two text messages on your mobile phone:
- One will have the link to the mobile browser app (www.BankOzarksMobile.mobi). Save this link as a bookmark on your phone’s browser, so you can get back to it easily.
- The other will ask you to reply “yes.” Replying to this text is a key component, so don’t skip. When you reply “yes,” your phone will be registered and enabled to receive SMS messages regarding your account.
Q: Can I enroll for Mobile Banking quickly?
A: Yes. It only takes a few minutes. Once the online enrollment is complete, you will receive a text including the link to your mobile banking site.
Q: Will I receive a confirmation once my Mobile Banking enrollment is complete?
A: Yes. Following Mobile Banking enrollment, a pair of text messages are sent to the designated mobile phone.
Q: Is Mobile Banking free?
A: Yes! Mobile Banking is free of charge*.
*Please note standard SMS Text Messaging and Web Browser application fees from your mobile phone provider may still apply.
Q: What's special about Mobile Apps?
A: Mobile Apps provide one-touch, easy access to all Mobile Banking functions. Plus, you get features like a location finder that integrates with the GPS on your mobile device and map software to provide turn-by-turn directions.
Q: How do I get the Mobile App for my iPhone, Android or BlackBerry?
A: Search for "Bank of the Ozarks" in the iPhone App store, in the Android Market or in the BlackBerry App World.
Q: How do I log in to Mobile Banking through the App?
A: Select our "Mobile Banking" icon that is downloaded to your mobile device and log in using your Mobile Login ID and PIN you established during your Mobile Banking enrollment.
Q: Can I view all my accounts through Mobile Banking?
A: Yes. You can view all accounts through Mobile Banking that you view through Bank of the Ozarks Online Banking. We suggest you assign Nicknames to your accounts in Online Banking for easy viewing in the mobile application.
Q: How do I assign and change Nicknames in Online Banking?
A: Nicknames can be assigned and changed in the Nicknames tab of Online Banking.
Q: Can I view transaction history on Mobile Banking?
A: You can access transaction history by selecting an individual account from the “Balance” screen. The account history screen is viewed by selecting the date/time of a transaction.
Q: How current is the Mobile Banking balance information?
A: Each time you log in to Mobile Banking, the most current balance will be displayed.
Q: Can my Online Banking and Mobile Banking login names be the same?
A: Yes, but those names are not required to be the same, and we suggest using different names for enhanced security.
Q: How do I change my Mobile Banking Personal Identification Number (PIN)?
A: From the Main Menu of Mobile Banking on your mobile device, select…
- Change PIN
- Enter old mobile PIN
- Enter new mobile PIN
- Re-enter new mobile PIN
- Click Submit
Q: How many incorrect login attempts will result in a Mobile Banking “lockout?”
A: Three unsuccessful attempts will result in a Mobile Banking “lockout.”
Q: How do I reset my Mobile Banking PIN?
A: Log in to Online Banking, go to Other Services, select Mobile, select Change User Profile. This will give you the option to reset your PIN. Enter your new PIN, confirm your entry and click Submit.
Bill Payment and Transfer
Q: Can I pay bills through Mobile Banking?
A: Yes. However, you must first set up all bill pay information within your Bank of the Ozarks Online Banking/Bill Pay service.
Q: How do I know that my Mobile Banking transfer or bill payment was successful?
A: Upon successful completion of the transfer or bill payment, a confirmation message displays on the screen. The confirmation message includes the transaction amount, the accounts or payees in the transaction and the confirmation number.
Q: Are Mobile Banking transfers immediate?
A: Mobile Banking transfers are posted to your account(s) in the same manner as if they were made through Bank of the Ozarks Online Banking. Transfers made prior to 7 p.m. CT will process the same business day. If the transfer is made after 7 p.m. CT, it will be processed the next business day.
Q: What is SMS (Short Message Service) Banking?
A: SMS Banking is a mobile technology that allows you to request and receive banking information from your bank on your mobile phone via text messages. Customers can manage bank accounts, check account balances, perform check requests, transfer money and perform other banking transactions using their mobile phones. Any customer with texting can use SMS Banking.
Q: What is XHTML (Browser) Banking?
A: Mobile banking via an Internet-enabled browser (XHTML) is a simplified version of our Online Banking site that fits within a mobile device (cell phone). If you have Internet access on your mobile device, you can log in to your accounts by typing www.bankozarksmobile.mobi into your mobile browser.
Q: Can I use multiple mobile devices to access Mobile Banking?
A: SMS banking can only be performed from the registered phone. XHTML (Browser) can be performed from any phone with browser capability. You will simply need the link www.bankozarksmobile.mobi, your mobile login ID and mobile PIN. You will also be required to verify Passmark information during login.
Q: Is Mobile Banking safe?
A: Yes. Mobile Banking is safe and secure. Mobile Banking is protected with state-of-the-art security technology. It requires a 4-digit PIN to access account information, and all data saved on your mobile device is encrypted. This ensures that if the mobile device is lost or stolen, the data stored locally for the Mobile Banking application is unreadable.
Q: Will my account information reside on my mobile device?
A: No. Your account information is not stored on your mobile device. The only information that is stored on your mobile device is personal preferences such as account nicknames.
Q: What if my mobile device is lost or stolen?
A: Even though account information is not stored on your device, there are a few steps you can take to remove any Mobile Banking information from your device. To remove any information from your mobile device, follow these steps:
- Log in to Bank of the Ozarks Online Banking and click Other Services.
- Click on the Mobile Banking tab.
- Select Disable Mobile Device. Remember, Mobile Banking cannot be accessed without your Mobile Login and 4-digit PIN. If you find the device and want to download Mobile Banking again, you may activate the device from the Mobile Banking tab within Bank of the Ozarks Online Banking.
Q: Can I safely recycle or dispose of my mobile device if it has Mobile Banking on it?
A: Although your information is stored securely on your mobile device, we recommend that you wipe your phone of any personal or sensitive information prior to recycling or disposing.
Q: Can I transfer Mobile Banking to my new mobile device with the same phone number?
A: Yes. Log in to your Bank of the Ozarks Online Banking account and select the Other Services tab to re-activate your Mobile Banking account.
Q: I have closed my accounts with Bank of the Ozarks. Do I need to also remove the Mobile Banking application from my mobile device?
A: We recommend that you delete Mobile Banking from your mobile device if you have closed your Bank of the Ozarks account(s).
Q: Who do I contact for Mobile Banking customer support?
A: You may contact the Bank of the Ozarks Online Customer Service Team at 1-800-274-4482 for assistance and guidance with Mobile Banking.
Text (SMS) Banking
Use text message banking to request information about your accounts.
Q: Are text commands case-sensitive?
A: No. Text commands are not case-sensitive.
Q: Will text banking work on my pre-paid service plan?
A: Yes. It will work if you have an active texting plan on your account. You may call your mobile provider to verify your account information.
How Text Banking Works
- Send a text message to 469228 to request information you need. A help glossary of common commands can be found below.
- You will receive a text message reply from us with your information.
For Balance information:
BAL or Balance or B
Ex TEXT: BAL John Checking
For Account Details:
Ex TEXT: DETAILS John Checking
For Transaction History:
TRANSACTION or STATEMENT or HISTORY or TRAN or LOG
Ex TEXT: TRANSACTION John Checking
For Account Transfers:
TRANSFER or XFER or X
Ex TEXT: TRANSFER 12.00 FROM JOHN Checking TO John Savings
Ex TEXT: HELP
Ex TEXT: HELP ALL
To End Mobile Banking Session:
STOP or END or QUIT or CANCEL or UNSUBSCRIBE
Ex: TEXT: STOP