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Text Banking FAQs
What is Text Banking?
Text Banking allows you to request and receive your NWFCU account balances and recent transaction history via your mobile device’s SMS text message service using a short code and a set of commands.
What account types are supported?
NWFCU deposit accounts (savings, checking, money market accounts) are supported.
How do I sign up to use Text Banking?
Sign into the Text Banking interface using your online banking user name and password to register your phone. Register Now
Will Text Banking work on my phone?
Text Banking works with your wireless carrier’s text messaging service (SMS). Contact your wireless provider if you are unsure.
Will I be charged for Text Banking?
There is no charge for NWFCU’s Text Banking service, however, standard carrier fees for text messaging may apply. Please check with your wireless carrier if you aren't sure what fees apply when you send and receive text messages.
Which carriers do you support?
Our Text Banking service works on all major mobile providers in the U.S., including:
- Alltel
- AT&T
- Nextel
- Sprint
- T-Mobile
- US Cellular
- Verizon Wireless
- Virgin Mobile
How do I cancel Text Banking service?
Text NWFCU STOP to 21443, or log in to the Text Banking interface and delete the registration information for your phone.
I have a new mobile phone number. Can I change or add my number online?
Simply deactivate your previous phone number and add your new number through the Text Banking interface.
What if I change my user ID, password or challenge questions?
If you make any changes to your user ID, password or challenge questions, you need to log in to the Text Banking interface with your updated online banking credentials before you can continue using the Text Banking service.
Can I have more than one phone registered for my account?
Yes. Simply register each phone individually.
Is Text Banking secure?
Yes. Messages will contain no sensitive information about your accounts.
What is the short code?
21443
What are the commands?
- NWFCU BAL – Retrieve account balances
- NWFCU HIST – View last 3 transactions on your account
- NWFCU CMD – Show valid commands
- NWFCU HELP – How to use text banking
- NWFCU STOP – Cancel text banking
Are keywords case sensitive?
No, keywords are not case sensitive. (You can type NWFCU help or NWFCU HELP.)
What is the number I should send keywords to?
The short code is 21443. This short code will only work if you have registered your mobile device via the Text Banking interface.
What is the maximum number of characters?
Due to limitations placed by wireless carriers, up to 140 characters can be displayed in each text message.
What happens if I exceed 140 characters in the middle of a transaction?
The response will be broken into segments shorter than 140 characters, resulting in multiple messages for long responses.
How many requests can I make?
An unlimited number of requests are allowed.
How quickly does the message go through?
Messages typically go through within seconds, although delays of several minutes or more may be experienced depending on your wireless carrier.
Is there any password needed for Text Banking?
No. Once your mobile phone is registered, your mobile device is used to authenticate your account access.
Does the message go through if I have no coverage?
No coverage on your cell phone means that nothing can get to your phone, and that includes text messages.
Who do I call if there's a problem?
Contact NWFCU’s Call Center at 703-709-8901 (1-866-709-8901 toll-free) for assistance.
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