What is Mobile Banking?
Mobile Banking allows you to access most of the same information you view in Internet Banking.
Does Mobile Banking require a smart phone?
No, you can do Mobile Banking from most phones. Non Smart phones can do SMS text only.
Is there a charge for mobile banking?
No, Mobile Banking is free to Internet Banking customers. Your wireless telecommunications provider may charge you for data usage. Check with your provider for details regarding your specific wireless plan and any data usage charges that may apply.
What do I need to enroll in Mobile Banking?
- Be enrolled in Internet Banking
- Have a valid mobile phone and number
- Have a mobile device with Internet access via a browser and/or have text messaging enabled
- For mobile web browser you must have cookies enabled
How do I enroll in Mobile Banking?
- Login to your Internet Banking account and click the Other Services tab near the top of the screen. Then click MOBILE BANKING.
- Read the Mobile Addendum to the Internet Banking Agreement. This
contains the terms and conditions of use. Click "I Accept" and submit to
- Click on the Enroll link and enter the requested details, including a
Mobile Login ID that you select, your Mobile Number and the Mobile
Password you select..
- Click Enroll.
- After you enroll, you will receive 2 text messages- the first
requesting you to reply YES to finish your enrollment. The second will
provide you with the URL for the Mobile Site.
- Once you reply with YES, you will receive 1 more text message —confirming your enrollment to SMS/text for Mobile Banking.
- (Tip: Bookmark our mobile site in your favorites and add the text
number to your phone's contact list so you can quickly access mobile
banking without having to re-type it each time.)
Note: For Business Mobile Banking, the
Internet Banking Administrator must assign mobile access through the
How do I get the Tompkins VIST app for my iPhone/iPad?
On your mobile device, go to the
App Store and search for VIST Bank Mobile.
Select the app and press the FREE button. Although you will not be charged for the
download, your carrier’s data charges may apply.
What if the mobile app does not work on my Android phone?
The Android App is available for
devices running on the Android operating system version 1.6 or greater.
Note:Our current Android App currently supports firmware version 1.6 and greater. To find out which firmware version you have
on your Android device, please follow these steps
What is the Approval Option in the Business Mobile Banking App?
The Approval Option allows you to
easily approve drafted transactions requiring authorization.
Can I access Mobile Banking from anywhere?
Mobile Banking may not be accessible or
may have limited abilities over some wireless networks (i.e. while
roaming). The availability, timeliness and functionality of Mobile
Banking will depend upon the location, wireless network availability and
signal strength, plus the configuration of hardware, software and the
Text Banking Security
Each text message request
authenticates separately by checking that the mobile number of the device used
to send the request corresponds to the device number registered for the user
initiating the transaction.
Account values used by text
commands are the account nicknames used within Internet Banking or masked account
numbers. They do not contain any
unmasked account numbers.
Web Browser Security
Mobile Web Browser Banking (XHTML)
uses the same security infrastructure as Internet Banking including:
- HTTPS encryption with 128-bit AES public key
encryption certificates for all traffic between the mobile device and the
internet and Mobile Banking servers.
- Connection via secured-socket layer (SSL)
- No data or application pages are stored on the mobile device with each page being retrieved on-demand.
- Authentication is session-based using a Mobile Login; Mobile PIN and the same MFA (Multi Factor Authentication – which is our challenge question process) used for Internet Banking to authenticate the user for the duration of the browsing session.
- Mobile Password 3-Strike Lockout. You can unlock yourself by changing your
Password within Internet Banking.
What can I do to keep
my information safe when Mobile Banking?
For your security, you should:
- Use a
different Login for Internet Banking than you do for Mobile Banking
- Set up
nicknames to avoid having to send actual account numbers or other
sensitive information via text message
all text messages from your mobile phone after viewing
your mobile device’s operating system up-to-date
*For assistance, please contact the merchant
where you purchased the mobile device or your mobile carrier.
anti-malware software for Internet browsing on your mobile device
on the LOGOUT button after each Mobile Web Browser Banking session
the mobile device’s Passcode/Password Screen Lock functionality, if
email alerts in Internet Banking to monitor account balances
- If using
a smart phone, install an app that wipes your data remotely in case the
device is lost or stolen.
allow your mobile device to remember login credentials.
Logins are not case sensitive but Passwords are.
questions, images and phrases are the same ones used for Internet Banking
What should I do if I
lose my phone?
As soon as you are aware that your phone is lost you should login to your Internet Banking account and click Other Services tab and then click on the Mobile tab. Select Disable Mobile Access and this will deactivate your account. When you find your phone you can then reactivate the service.
This will prevent anyone who finds the phone from attempting to access your account.
Can you have multiple mobile telephone numbers assigned to one internet banking account?
No. You can only assign one mobile phone to each internet banking account.
What happens if I change my phone number?
If you switch to a new mobile number, sign into your Internet Banking account and click on the Other
Services tab, Then click on the Mobile tab. Select Change
Login Details. Change your phone
number and select save.
What number do I send
text commands to?
How much will I be
charged for each text received?
You will be charged the standard SMS rate from your provider
(AT&T, Verizon, Cellular South etc.).
Standard/other charges may apply.
The Bank is not responsible for these charges.
How can I cancel my Mobile Banking service?
To cancel, login to your Internet Banking account and click
the Other Services tab and then
click on the Mobile
tab. Select Un-enroll to deactivate your account.
You can also text Stop All to 469228.