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Mobile Banking FAQs
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As long as you have your login credentials and have signed into Online Banking at least once, there is no additional enrollment required to use our Mobile Banking service. Just download the App or go to www.botw.com from your mobile browser and enter your Online Banking user name and password to get started.
Default Account Nicknames will be assigned when you access our Mobile Banking service the first time, or enroll in Text Banking. You can create your own unique Account Nicknames by logging into Online Banking and going to Mobile Banking settings. Each mobile account nickname must be unique, contain one to seven characters, and can include letters or numbers, but no spaces or special characters.
Tip: Choose short nicknames that are easy to type on your mobile device, as you will be entering them regularly while using Text Banking.
Your mobile account nicknames will not replace the account names or nicknames defined in Online Banking.
Either tap the Mobile Banking App icon on your smartphone or enter www.botw.com into your phone's web browser. Then log in using your Online Banking user name and password.
There is no fee to use Bank of the West Mobile Banking. You may, however, incur normal text transmission or data usage charges from your wireless carrier for the use of text messages or internet browsing on your mobile device.
Account Nicknames are names assigned to your accounts to protect your information while using Mobile Banking and Text Banking. Account Nicknames enable us to better protect your account information by not using your actual account numbers. And you have the added convenience of quickly recognizing your accounts based on nicknames you set up.
Bank of the West offers a wide range of ways to access mobile banking services depending on the type of mobile device you have. Mobile Banking services are accessible via:
- Mobile and Tablet Apps: Available for iPhone®, iPad® and Android™ devices, our Apps allow you to view your account balances with just a swipe, deposit checks, pay bills and more. Download free Apps from the Apple App Store or Google Play Store to get started.
- Mobile Web: You can view your account balances, pay bills and more using most mobile devices by simply visiting our mobile website https://www.botw.com or www.bankofthewest.com from any web enabled mobile device.
- Text/SMS Banking: Using simple text message commands, you can see account balances, view transaction history and find Branch/ATM locations.
To get started with Mobile Banking, you need:
- A Bank of the West checking or savings account
- A Bank of the West Online Banking user name and password established
Bank of the West Mobile Banking is a simple and convenient way to perform everyday banking functions using most mobile devices. You can view account balances and transactions, pay bills, deposit checks, transfer money and more.
Yes, you can change your Mobile PIN via your Bank of the West Mobile App. All you have to do is go to More Menu on your Bank of the West Mobile App and select Change Mobile PIN.
Yes, you can use ATM/Branch Search either without entering your user name and password or logging in.
Yes, you must use the same user name and Password that you use for Bank of the West Online Banking. If you are not enrolled in Bank of the West Online Banking, please visit www.bankofthewest.com from your computer and sign up for Online Banking.
Quick Balance allows you to view your account balances without logging in. Quick Balance will not be enabled when you first download the Bank of the West mobile app on your device. You can turn Quick Balance on by logging in and tapping More; the first option there allows you to turn the feature on and off at any time.
Important note: When the Quick Balance feature is active (on), anyone who has access to your device can view the balances displayed in the Quick Balance feature. You always have the ability to turn off Quick Balance from the More Menu. BancWest Investment Services Accounts are not included in Quick Balance.
The first five accounts you see when you log in to Mobile Banking will also appear in your Quick Balance list. This includes the following types of accounts:
- Money Market
- Credit Cards
Yes. Simply log in to the app and manage your Quick Balance feature to choose which account balances, up to five, you want to see.
You can turn off Quick Balance by logging into the mobile banking app, going to More Menu and turning the Quick Balance switch to the off position.
As long as you have existing Online Banking login credentials and have logged in to Online Banking at least once, there is no additional enrollment step required to use Mobile Banking. Download the iPhone®, iPad® or Android™ app, open the Mobile Banking App by tapping the icon on your smartphone, and then enter your login information (user name and password) you use for Online Banking.
Quick Balance only works on the Bank of the West apps for iPhone,® Android™, and iPad®. To obtain the Quick Balance feature, you must go to the "More" Menu in the App, turn the Quick Balance Feature on.
Your Bank of the West Mobile App will be locked after the third invalid user name and Password entry. You can unlock your account by simply calling us at 1-800-488-2265 Option 3.
Our Mobile Banking App is available at no cost to Bank of the West customers enrolled in Online Banking who use an iPad®, iPhone®, or Android™ device. Your mobile services provider may charge you fees that may relate to online and data usage. Be sure to check with your mobile services provider for clarification on any data, sms or usage charges that may apply.
Yes, "Remember Me" only saves your user name and not your password. Furthermore, only four characters of your user name are displayed and the rest will be masked.
This feature provides you quick information on all the mobile App features that are available to you. Helpful Hints is available on the iPhone®, iPad®, and Android™ apps. Access Helpful Hints from the "More Menu" in the Mobile Banking App.
Bank of the West offers Apps for iPhone®, iPad® and Android™ devices. Our Mobile Banking App allows you to easily and securely check account balances, deposit checks, pay bills and more – with a free, convenient downloadable app.
- Quick Balance lets you swipe to view your account balances without logging in
- Deposit checks remotely by taking a picture
- Pay bills and people in just a few seconds
- Find nearby ATMs and Branches
The Mobile Banking App is available as a free download for iPad®, iPhone®, and Android™ devices in the Apple App Store and Google Play.
To use our Mobile Banking App, you need:
- A Bank of the West checking or savings account
- An Bank of the West Online Banking user name and password established
- A supported mobile device for iPhone®, iPad® or Android™ applications that has access to the Internet and is able to download mobile applications
- An account on the Apple Appstore (for iPhone® and iPad® users) or an account on the Google Play store for Android™ phone users
More Menu, on the Mobile Banking Apps, contains a list of additional menu options that you can select. These options are:
- ATM/Branch Search
- Helpful Hints
- Call Contact Center
- Change Mobile PIN
- Register For SMS Banking
- Terms and Conditions.
The Mobile Banking App provides a convenient alternate way to log into your mobile banking session. You can setup a Mobile PIN which is a six to eight-digit numeric code that is an alternate to the Online Banking password.. It eases your login process as you don't have to enter your alpha-numeric password which may be cumbersome on a mobile device. Instead all you have to do to login to the App is simply type in your user name and PIN.
It is our convenient new feature that lets you view your account balances without having to log in to the Bank of the West Mobile App. Quick Balance only works with the Bank of the West App apps for iPhone®, Android™ smartphones and iPad®. You can view the most recent Available Balances on up to five Accounts selected by us. The Account nicknames and balances will display on the login screen when you pull on the gripper found on the app login page.
It is our new feature that remembers your log-in user name so that you don't need to enter it each time you login. After turning on "Remember Me" from the login screen, all you need to do is enter your password or pin in order to login.
In order to use Bill Pay from your mobile device the following steps should be completed in advance:
- Make sure your account is enabled for Bill Pay.
- Login to Online Banking and setup your Billers and eBills.
- Then when you login to mobile banking just navigate to the Bill Pay service, select an eBill or a biller to pay from the list, review the payment details, and confirm the payment.
Simply tell us the amount you wish to pay and when you want the money to be withdrawn from your Bank of the West checking account.
Bill Pay lets you pay your bills in a quick and easy way. Save the cost of a stamp for each payment you make, and know exactly when the amount will be withdrawn from your account. Plus, you can see all of your payment information at a glance in your account transaction history. All you have to do to pay bills is set up your payees in Online Banking. Then when you login to Mobile Banking you can schedule your payment quickly and conveniently. Your payment will be sent and the money from your account will be deducted automatically.
You can add a payee to Bill Pay in any of three ways:
- Add a payee using their phone number.
- Search for a payee by entering a company name.
- Take a photo of a paper bill stub you've received using your mobile device's camera.
To get started, log in to our Bank of the West Mobile App or Mobile Web Banking and go to the Bill Pay tab at the bottom of your screen.
The Bank of the West mobile app now comes with a new photo capture feature. It allows you to automatically add a payee to Bill Pay by simply snapping a picture of the detachable stub portion of any paper bill you’ve received. Once the photo is taken, the app captures name and address information for your payee.
Simply follow these steps on your mobile device:
- Log in to the Bank of the West Mobile Banking app.
- Tap the Payments tab and select Make a Payment.
- Select Add a New Payee, then Take Photo of Bill Stub.
- Tear off your paper bill stub.
- Hold your device directly over the bill stub.
- Fit all four corners of the bill stub within the corner guides on your screen.
- The app will take a picture automatically.
- Review the payee information that appears, and submit.
You can make up to 5 deposits per day as a new customer and up to 10 deposits per day as an established customer.
Mobile Deposit feature is only available with the Bank of the West app for iPhone®, iPad® and Android™. Mobile Deposit will work with all iPhones® 3GS and later, iPad® 2 and later, as well as most recent Android™ phones. Mobile Deposit will not be supported on the iPod Touch®.
Mobile deposit is only available on the iPhone®, Android™, or iPad® app. This feature is available at no cost and lets you deposit a check by using the camera in your mobile device. Simply take a picture of the front and back of your endorsed check and submit it for deposit to your Bank of the West Checking or Savings account. Mobile Deposit allows you to skip lines and avoid the hassle of rushing to a branch to deposit a check. Now you can deposit a check safely and conveniently from the comfort of your home or office.
Mobile Deposit limits:
The following deposit limits apply to the combined total of deposits you can make to your Bank of the West accounts using the Mobile Deposit Service in a month:
0- 90 Days after account opened - $500.00 each business day / $1,000.00 each month.
After 90 days of account opening - $2,500 each business day / $5,000 each month.
After 180 days of account opening accounts may be eligible for higher mobile deposit limits. Conditions apply. Account must be open a minimum of 180 days and be in good standing. Account may not have any overdrafts within the previous 90 days. Limits are subject to change at any time.
Enhanced Mobile Deposit Limit
No daily limit / $10,000 each month.
Customer must maintain an average monthly balance in all commonly owned deposit accounts of $5,000 or greater for the prior three (3) calendar month period and cumulative deposits made within the prior two (2) calendar month period must be $10,000 or greater.
Power Mobile Deposit Limit
No daily limit / $15,000 each month.
Customer must maintain an average monthly balance in all commonly owned deposit accounts of $10,000 or greater for the prior three (3) calendar month period and cumulative deposits made within the prior two (2) calendar month period must be $25,000 or greater.
Presentment of Checks and Items to Drawee Bank. The manner in which the checks or items are cleared, presented for payment, and collected shall be in our at sole discretion and is subject to the Deposit Account Disclosure governing your Account.
The Minimum Deposit Limit is $0.01 per check.
Deposits are subject to verification and will not be available for immediate withdrawal.
Encryption scrambles the information sent to and from your phone to mitigate the risk of a third party intercepting confidential information. Information sent and received using our Mobile Apps and Mobile Web service is encrypted using the same security technology as Online Banking.
Text Banking does not send any confidential information to or from your phone, nor does it store any confidential information on your phone. However, text messages are not as secure as other forms of Mobile Banking.as they are not encrypted. Therefore Bank of the West highly recommends that you periodically delete all received and sent text messages from your phone.
Bank of the West Mobile Banking provides secure access to your accounts using industry standard security encryption technology. We have taken additional steps to ensure the safety of your banking information such as never storing account numbers, account balances, checks images or other confidential data on the device. The banking session will also time out after five minutes of inactivity and require reentry of the login information to get back in.
Customers are advised to never store passwords and other confidential information on the mobile device. Customers should also exercise great caution about "jail-breaking" their phones as doing so makes the phone vulnerable to viruses and malicious apps. Bank of the West does not support "Jail-Broken" or "Rooted" phones.
Our Mobile Banking App and Mobile Web use encryption to keep your information secure and confidential. We do not store any confidential information on your phone. All accounts numbers are masked in mobile banking for added security.
Text Banking does not send any confidential information about you or your accounts to or from the mobile device. Similar to ATM receipts, full account numbers are never displayed in text banking. Furthermore, we recommend that you use account nicknames that do not include any digits from your account numbers.
Notify us immediately by calling Bank of the West's Contact Center at 1-800 488-2265 (option 3).
You should log in to Online Banking and update your mobile preferences with the new number.
In the unfortunate event your mobile device is either lost or stolen, report it immediately to your mobile carrier. Then you should immediately call the Bank of the West Contact Center at 1-800-488-2265 (option 3) to either suspend or de-register your mobile device from being used in Mobile Banking and Text Banking.
Our Mobile Banking App and Mobile Web services do not store confidential information onto your phone. However, we recommend that you never store your login password(s) in the notepad or address book of your mobile device.
For Text Banking, the only information "stored" on your phone is in the form of your old text messages, which do not contain any confidential information, but similar to old ATM receipts, might contain information like old balances. We recommend that you regularly delete old text message from your phone for added security.
If you receive a text message that you suspect is not from Bank of the West, you should contact us as soon as possible at 1-800 488-2265 (option 3) to speak to a customer service representative. Do not respond to the text message and do not delete it until you have spoken to a representative who will verify the authenticity of the message. Also, do not tap links that may be in the text message as they may lead to malware being installed on your mobile device.
No, our text commands are not case sensitive.
If your mobile carrier is not included in the previously mentioned list, it may not support text messages from Bank of the West. If you have questions about the support your mobile carrier provides, please contact the carrier directly.
- Sign in to Online Banking and click on the Services & Support tab.
- Click the "Enroll in Mobile Banking" link. If you’re already enrolled in Mobile Banking, the link will say "Mobile Banking Settings".
- Click the "Add New Mobile Phone" button.
- Select the Text Banking checkbox and then click "Continue".
- Enter your mobile phone number and then click "Continue".
- On your mobile phone, you’ll receive a text containing your confirmation code.
- Enter the confirmation code into the confirmation field in Online Banking.
- Set up your account preferences.
Yes, you can register for Text banking via your Bank of the West Mobile App. All you have to do is go to More Menu on our Bank of the West Mobile App and select Register for Text Banking.
When you enroll in Mobile Banking text alerts or Text Banking, you will automatically receive fraud alerts on your mobile phone for your Bank of the West Debit Card. There is no charge from Bank of the West for this valuable service; however, you may incur normal text transmission or data usage charges from your wireless carrier for the use of text messages or internet browsing on your mobile device.
To opt out of receiving text alerts, type STOP in a reply to a Bank of the West text alert on your mobile device. You can also cancel text alerts in Online Banking. After you log in, click on the "Alerts" tab, then "Alert Settings" and select the mobile phone number that you want to delete. Note: This will stop all Text/SMS Alerts including Text/SMS Fraud Alerts.
There is no fee to use Bank of the West Text Banking. However, you may incur normal text transmission charges from your wireless carrier for receiving and sending text messages.
As a security precaution, you will need to log in to Online Banking and update your enrolled mobile phone information. Be sure to unregister the old phone number.
If you have not received your verification code, please make sure your mobile device's phone number is entered correctly. If it is, please follow the steps below:
- Verify your mobile phone is turned on, has an adequate signal and is able to receive text messages.
- Check the list of supported carriers for your mobile device.
- Use the Try Again link under the PIN code input box to re-send the text verification code to you.
- Contact your mobile carrier and make sure your mobile device is not blocked from sending and receiving SMS messages to and from shortcodes. BKWST  is a shortcode.
- Confirm that you have text messaging service with your mobile carrier.
- If you still do not receive the verification code, please call Bank of the West's Contact Center at 1-800 488-2265 (option 3) for assistance.
Text messages (also known as SMS messages) are ways for users of cellular telephones and other mobile devices to send and receive messages through cellular (or mobile) networks.
These numbers tell you which message you are reading. 1/2 lets you know that you're reading the first of two messages. 3/5 would be the third of five messages.
SMS stands for Short Messaging Service. It's also known as text messaging. This is a service available on most mobile devices allowing users to send and receive text-only messages.
Shortcodes are five or six-digit numbers sent using text messages that represent a certain destination. BKWST (25978) is Bank of the West's shortcode for communicating with you via a text message.
Text Banking is a service that enables you to retrieve information about your accounts from a mobile device through text messaging (sometimes called SMS). If you already bank online, it is another way of accessing your account balances and reviewing your most recent account activity. Text Banking is usually supported by all mobile phones even those that do not have internet capabilities.. Text Banking is well suited for customers who only want to view account balances, view recent transactions and find the locations of branches and ATM. Text Banking does not support account transfers or Bill Pay services.
Please call our Contact Center at 1-800-488-2265 (option 3) as soon as possible and we'll help to resolve the problem.
Send text commands for Text Banking to BKWST (25978). You can also add this number to your contacts for faster access.
You can call our Contact Center at 1-800-488-2265 option 3.
Each Bank of the West Mobile Banking message is limited to 160 characters, so there may be occasions when it takes more than one message to deliver your information to your cell phone or mobile device. However, you should never need to receive more than five messages at one time.
We'll list your Text Banking messages in the order they're meant to be read (1/4, 2/4, 3/4, 4/4). However some service providers can mix up this order while transmitting the messages to your cell phone or mobile device.
The length of time it takes some Text Banking messages to arrive is often related to your mobile provider's network.
Text banking will work with most prepaid phone plans; however, there are some phone plans that do not support using short codes. Please check with your mobile carrier for the most accurate information.
Bank of the West Mobile Web is available at no cost to Bank of the West customers enrolled in Online Banking. Your mobile services provider may charge you fees that apply to your use of the web browser on your phone. Please contact your Mobile Services provider for clarification on the cost of web browser usage.
Yes, "Remember Me" only saves your user name and not your password. Furthermore, only 4 characters of your user name are displayed and the rest will be masked.
Mobile Web banking service lets you access and manage your Bank of the West accounts by entering www.botw.com into your mobile browser. There is no App to download and you can use almost any mobile phone as long as it has a mobile browser and internet capabilities. With Mobile Web banking you can:
- Pay Bills
- Transfer Funds
- View Account Balances
- Locate ATMs and Branches
To use Mobile Web, you will need:
- A Bank of the West checking or savings account
- An Bank of the West Online Banking user name and password established
- A mobile phone with a browser and access to the Internet
It is our new feature that remembers your log-in user name so that you don't need to enter it each time you login. All you need to do is enter your password.