Mobile Banking FAQs

How do you sign up?  Is it secure?  We have the answers to your Frequently Asked Questions!

First, you’ll need to have an established Online Banking account. Once that’s set up, to enroll in Mobile Banking, go to the Apple app store or Google Play and search for the free app called BCCU Mobile. Download the app. You’ll be prompted for your Online Banking username and password. Once you sign in securely, your balances will appear.

We do not charge a fee to use BCCU Mobile. However, some mobile phone carriers charge a monthly fee for wireless web access and may also charge for the volume of date exchanged. Data charges may also apply for text messaging. Check with your mobile carrier.
  • Account Balances
  • Account Transaction History
  • Transfer funds
  • Pay bills through online Bill Pay
  • View pending bill payments
  • See if a POS (point of sale) transaction has cleared
  • Make a payment to your VISA Platinum Credit Card
You can access mobile banking from any mobile phone (such as WAP phones), Apple iphone or Android.

Yes, you can use any combination of modes from the same phone. You will need to activate each option separately on your phone prior to use.

Yes. BCCU Mobile is encrypted using the Wireless Transport Layer Security (WTLS) protocol, which provides the highest level of security available today. Additionally, all data that passes between the wireless gateway and the Credit Union’s web servers are encrypted using the Secure Socket Layer (SSL).

Go into Online Banking and un-register yourself with that particular mobile phone / number. After 24 hours you can register again for mobile banking with the new phone / phone number.

No. You can’t register more than one Online Banking account under one cell phone number. However; you can register multiple cell phones for one Online Banking Account.

Call Member Services at 410-828-4730 to have an employee unlock you. It will take anywhere from 30 minutes to 1 hour for the un-lock to be effective. Or, mobile banking should unlock itself within 24 hours if you do nothing.

No, mobile banking only shows available balances – therefore it will show a zero balance if your account is actually in the negative.

You should have received a text from mobile banking when you registered. Use that number to inquire for balances (BAL). To find out history, text (HIST) to that number along with the short name of the accounts you would like history on and all the transactions that were done are brought back in a text message.

Sometimes carriers block short codes (which is the number that you text to). You may need to call the carrier and see if there is an issue/ and or if they are blocking that number. Sometimes short codes are used to spam, and carriers block all short codes and the customer has to unblock it.

Yes, a text messaging and / or data plan is needed, as “pay-as-you-go” data usage can become expensive without them. Check with your wireless carrier for more information.