Mobile Banking FAQ

Getting Started

How do I download the Mobile Banking app?

Fort Financial’s mobile banking app is available in both the App Store for iPhones and iPads and in Google Play for android phones. Type “Fort Financial” in the store’s search bar to easily pull up the app for download.

What is my username and password?

Your mobile banking username and password is just one way Fort Financial helps ensure your account security. Upon downloading the app, you will be able to enroll online and select a username and password. You will need to select “New User” even if you are currently enrolled in online banking or the current mobile app.
Passwords must contain:

  • 8 characters
  • at least 1 uppercase letter
  • at least 1 number
  • at least 1 special character such as !, $ or ?

How do I select a PIN login?

Log in to the mobile app with your username and password. Tap the upper left corner of your screen to reveal the drop-down menu. At the bottom of the drop-down menu, there is a “Settings” icon. You can also choose to use a pin number as opposed to a username and password combination from the Settings menu. Tap on the Enable Pin Login option to set a PIN.
*Note* this will be a 4-digit pin number.

How do I configure Auto-Login?

Log in to the mobile app with your username and password. Tap the upper left corner of your screen to reveal the drop-down menu. At the bottom of the drop-down menu, there is a “Settings” icon.  You can then select Auto-Login.  This will allow you to view your balances without having to login, however, if you move to a screen where money is actually being moved, you will be prompted for your login credentials.

What if I forget my username and password?

If you forget either sign-on credential, tap on “User Help?” at the bottom of the app’s sign-on screen and follow the steps to retrieve your username or reset your password.

Where can I find the terms and conditions?

You can view the Mobile Banking Terms and Conditions on our website.

Using the App

How do I view my Fort Financial accounts?

The Accounts section of the mobile banking app displays all of your Fort Financial accounts – from savings accounts to loans to credit cards. Tapping on an account name will load recent transactions for that account below your account list. The exception to this would be the credit cards. You will only see your credit card balance unless you access the credit card web portal from the drop-down menu. Additional information about a transaction can be viewed by tapping the triangle below the transaction amount. You can also search for transactions using the search bar near the top of your screen.

How do I set a nickname for my account?

Tap the upper left corner of your screen to reveal the drop-down menu. At the bottom of the drop-down menu, there is a “Settings” icon. Tapping the icon will allow you to personalize your mobile banking experience with options such as setting a start page and assigning a nickname to your account. That nickname will be used throughout the app to reference the account.

How do I update my contact information?

Tap the upper left corner of your screen to reveal the drop-down menu. At the bottom of the drop-down menu, scroll to the “Settings” icon. Tapping the icon will allow you to update your email address, mobile phone number and street address.

How do I transfer funds between my Fort Financial accounts?

Use the Transfers section to transfer funds from one account to another. You can schedule transfers to occur in the future. You can only transfer funds to and from your own accounts inside this function. You can transfer money to an account at another financial institution through the External Transfers section and/or Pay a Friend section of the app.

How do I deposit a check?

If you have a paper check you want to deposit into your account, select “Deposits” from the drop-down menu. Tap on “Deposit a Check” to select which account to deposit the funds into. Tap the appropriate sections to capture photos of the front and back of the check. Then click “Submit” to complete the deposit. Please note it is best to take a photo of a check against a dark background.

*Note* Remote Deposit Captures (RDCs) performed after 5:00 p.m. and before 9:00 a.m. the next day will appear in your account around 10:30 a.m. RDCs performed after 9:00 a.m. and before 5:00 p.m. will appear in your account around 6:30 p.m. the same day.

Limits are based on your relationship level with the credit union:

Per Day ($/#) Per Week ($/#) Per Month ($/#)
New member (30 days or less) None None None
Basic $500/5 $750/5 $2,000/10
Classic $1,000/10 $3,000/10 $5,000/30
Premier $5,000/25 $5,000/30 $15,000/100
Student Same as Basic Same as Basic Same as Basic

How do I pay a friend through the app?

Pay a Friend lets you send money to a friend or family member without having to know their account information. First, select “Pay a Friend” from the drop-down menu. Then tap on “Send Money”. Enter all of the information asked to initiate a payment. Then tap “Submit” when you are finished. Your recipient will be notified of the payment by the method you choose – email or phone. They will then be asked to complete additional steps on their end to complete the payment.

How do I pay a bill?

Picture Pay lets you snap photos from bills you want to pay. After you take a picture of the bill, confirm that all of the information populated onto the screen is correct, enter the amount you want to pay and submit the payment.

In the same section, you can manually set up a payee by going to “manage payees”. You will then click “add payee” and fill out the form. Once this is done, you can then use the app to make a payment.

Why can’t I see my bill payments set up through online banking?

The new mobile banking app works separately from the current online banking system. For example, if you make a bill payment in the mobile banking app and have an automatic payment set up through home banking for the same bill, both payments will be sent unless you cancel one of them.

How do I make an external transfer?

You can transfer funds from your Fort Financial account to an account at a different financial institution by selecting “External Transfer” from the mobile banking drop-down menu. You can set transfers to be one-time transfers or recurring transfers, including weekly, monthly and annually. You can also select the date you want the transfer to take place. Please note this will take 3-5 business days to set up, and once the routing and account number have been verified, you will have to validate the account setup by tapping on the account and providing the amounts of the micro-deposits.

Why can’t I see my credit card history?

The mobile banking app allows you to view your credit card balance. You can access the credit card web portal in the drop-down menu to view transactions and statements related to your credit card.

Can I make a payment to my Fort Financial credit card?

Yes, you can make a credit card payment by performing a transfer from one account to your credit card account.
*Note* credit card balances displayed are 1 day old.

Can I make a payment to my Fort Financial loan?

Yes, you can make a loan payment by performing a transfer from one account to your loan account.

How do I request a stop payment?

If you need to stop a payment made by a check you’ve written, select “Stop Payment” from the mobile banking drop-down menu. You will be charged a Stop Payment fee for this service. Please note, the fee is $20.

How do I set up alerts?

The Alerts section provides several options for keeping you up to date on your accounts. First, you’ll need to enter the email address where you want the alerts to be sent. You can choose from “Security Alerts” and “Account Alerts”.

How do I enroll in text banking?

You can enroll in Text Banking right from the mobile app. You will tap on the menu and navigate to Settings, then Text Banking. Input your cell phone number and check the box next to it. Once you sign up, you will have to verify with a code that will be texted to you. Then you have access to the following commands, which you will send to 59217:

  • “BAL” to display your account balance
  • “HIST” to review your last 3 transactions
  • “TRAN” to transfer money to another Fort Financial account
  • “HELP” for a list of commands
  • “STOP” to cancel your Text Banking service

*NOTE* the “TRAN” function only allows you to transfer from a primary FFCU account to a secondary FFCU account only. This is set up when you enroll in text banking.

Can I contact the credit union through the app?

A “Contact” icon is available on both the mobile banking app homepage and within the app’s menu. You can call or email us from the app. You can also call to report a lost or stolen debit or credit card.
*NOTE* you will need an email account configured on your device in order to email straight from the app.

Using Your Wallet

How do I add an account to Your Wallet?

To add an account to Your Wallet, tap the “Add” button in your left sidebar. Enter your financial institution’s name into the search box. Check the URL associated with the institution to make sure it is where you normally access your account. Enter your login information exactly as you would when logging into your financial institution directly and tap “Connect”. It can take several moments for your account to upload, especially if you have more than one account loading.

How do I add or change tags in Your Wallet?

A tag is a customizable word or phrase used to categorize your transactions. We will automatically pull in your most recent transactions and tag them into categories like transportation, groceries and clothing. Customized tags give you a more accurate view of your budget, spending history and overall financial picture. To assign or change a tag to a transaction, tap on the transaction requiring a new or updated tag. You have the option to create a rule to apply the tag and title to all similar transactions.

How do I set up a budget in Your Wallet?

Budgets use Spending Targets to track variable expenses. They always run from the first to the last day of each month. Spending Targets are automatically color-coded based on your spending progress. To edit or delete a budget, tap on “Budget” at the top of the page. Then tap on the Spending Target you’d like to edit from the list.

How do I use the cash flow calendar in Your Wallet?

Use the Cashflow section of Your Wallet to get a quick glance of when your bills are due, when your paycheck is coming, and for viewing safe to spend balances. Tap “Cashflow” to open the calendar and click on a day to add a new income source or bill due. You can select certain accounts to be included in your Cashflow.

How do I create a goal in Your Wallet?

You can set up a savings or payoff goal to track your progress on saving up for a big purchase or paying off a loan. Tap “Goals” at the top of the page. Choose between a payoff or savings goal. Choose which account you’d like the goal to be associated with and at what balance it will be complete. You can link to external accounts if you’ve previously added them to Your Wallet. Choose the date you want to have your goal completed, or how much you are able to save each month. This option will calculate a due date for you.

How do I set up alerts in Your Wallet?

Alerts are personalized notifications sent to your email and/or mobile device which help you keep track of your account activity, including upcoming bills, monitoring account balances to avoid fees and reviewing transactions. To set up an alert, tap “Alerts”. Choose your alert type and enter the appropriate values as prompted. You can choose how you want to receive your alerts – via email, text message or you can choose to have all of your alerts appear on the Your Wallet Dashboard once they have been triggered.

General Information

What is the mobile app?

Fort Financial’s Mobile App is a free application designed for iPhone, Android and iPad.

Where is the mobile banking app on my phone?

The download destination of the mobile banking app can vary between devices and carriers. Please check your device’s manual or carrier for guidelines about your specific device.

Is mobile banking secure?

Yes, mobile banking is as secure as online banking and uses a number of the same security features, such as HTTPS and 128-bit SSL encryption. In addition, a username and password is needed to access the app.

Is my account information stored on my phone?

No compromising data or account information is stored on your device. However, with text banking, be sure to delete any text messages that may contain balance information you do not wish to keep on your phone. Also, please note, that if you have auto login configured on your device ant it gets stolen or lost, someone can open the FFCU app on the phone and see your balances.

Do I need a data plan to use the mobile app?

The Fort Financial mobile banking app does require an Internet connection to access your account information. Some devices can access the internet through wi-fi or a data plan through your wireless provider. Please check your device for connectivity options or wireless carrier for specific data plan availability and fees. Text banking requires eligibility through your mobile provider. SMS rates may apply.

Technical Support

What if I get a new phone?

You will need to visit your new phone’s app store and download the app to your new phone.

Where is the mobile banking app on my phone?

The download destination of the mobile banking app can vary between devices and carriers. Please check your device’s manual or carrier for guidelines about your specific device.

For additional help, check out the Mobile Banking Videos. You can also call us at (260) 432.1561 or stop by one of our branches.