Mobile Banking FAQ

There is currently no charge associated with the service. However, there may be charges associated with text messaging and data usage on your device. Check with your wireless provider for more information.

Yes, the mobile banking service utilizes best practices such as HTTPS, 128-bit SSL encryption, device profiling, biometric or password access and application time-out when your mobile device is not in use. Only the mobile devices that you personally enroll in the service can access your accounts. In addition, no account data is ever stored on your mobile device. And in the event your mobile device is lost or stolen, the service can be immediately disabled by either going online to the Mobile Banking enrollment website or calling us.

We support most of the popular US wireless phone carriers, including AT&T, Sprint, T-Mobile, and Verizon. If your carrier is not listed when you enroll, select 'Other' and try the Mobile Web option, or check back later, as new carriers will be added over time.

A data plan is typically selected by most mobile banking users, as data usage can become expensive without it. Please check with your wireless carrier for more information.

You must first enroll in online banking before using mobile banking if a mobile-only enrollment is not offered. Please check with customer service for mobile-only availability.

Activation is a registration process that helps ensure your security. For mobile banking, you will use Device Enrollment.

Device Enrollment - You enroll via the device using security questions. Please refer to the Device Enrollment Section within these FAQs.

Mobile banking gives you access to your accounts from your mobile web browser or a downloadable mobile banking application, depending on your preference and your mobile device capabilities. Both options allow you to: view account balances, search recent account activity, transfer funds, pay bills and find nearest ATM or branch locations. Also, on the downloadable mobile banking application, you may have the option to deposit checks.

When using activation code enrollment, after successful enrollment via Activation Code, you will receive a text message with your Mobile Banking URL. You may also visit the site at any time at: m.bankofeastman.com When using on-device enrollment, you may access the bank's website by directly entering the URL in the browser at: m.bankofeastman.com

You may enroll in Mobile Banking using Device Enrollment.

Please refer to the Device Enrollment Section within these FAQs.

At the time of activation, a "cookie" is stored on your device which allows the Mobile Banking system to remember that you activated. The cookie is only visible by the Mobile Banking system and does not contain personal information. Some devices may require you to enable cookies or periodically erase them, requiring reactivation. If you are experiencing this issue, check your settings to ensure that cookies are enabled. If cookies are enabled and the issue persists, please contact your mobile network carrier for cookie support information on your device. If you would like to reactivate and text banking is enabled on your device, text R or RECOVER to 49794. If Magnolia State Bank supports enrollment on your mobile device, you will not need to provide an activation code. However, you may be asked to enroll again due to issues with cookies.

Ensure your device's browser has cookies enabled. In addition, enable style sheets for the best viewing experience.

To navigate, access the menu and choose an option.

Mobile Banking is supported on most devices with a mobile web browser that supports cookies. In addition, the mobile application is available on iPhone and Android smartphones and on iPads and Android tablets. Both mobile web and mobile applications may be found by entering the mobile web URL (m.bankofeastman.com) in your device's browser.

For iPhone or iPad:
Navigate to the App Store
Search for Magnolia State Bank
Select "Install" to download the application

For Android:
Navigate to the Google Play Store
Search for Magnolia State Bank
Select "Install" to download the application

The same mobile app that runs on your phone will run on your tablet. In some cases, a tablet-optimized Mobile Banking application may be available for your tablet.

Customers who have a Personal/Interest Checking, Savings, or Money Market account are eligible for the Mobile RDC service if they are qualified for the service.

In most cases, eligible accounts will automatically be signed up for Mobile RDC. If you have an eligible account that has not been enabled, please call us at 478-374-3418 for assistance. Please note that accounts are pre-qualified prior to being authorized for use with the Mobile RDC service.

Most domestic checks may be processed through Mobile RDC. We are unable to accept Money Orders, Foreign Items, Savings Bonds, or Third-Party Checks through Mobile RDC.

Yes. You may use the service to deposit items according to the limits specified in the Terms & Conditions section. Any items presented in excess of the limits will be returned at our discretion.

Yes. During the deposit process, you will be required to photograph the front and back of your check.

You should sign your check with the following endorsement:

You will receive a notification by e-mail when your deposit has been received.

When your deposit is processed, you will receive a second e-mail notification on the status of your deposit. This e-mail will indicate if the deposit was approved or declined for processing. If declined, a reason will be provided.

Deposits may be made with Mobile RDC at any time. If your deposit is approved before our daily cutoff time, your deposit will post to your account on the next business day. Funds availability may be limited under certain conditions. Please refer to the Terms and Conditions document for more information.

Check the financial institution's website for more information on check deposits and holds.

You may photograph multiple checks in the same mobile banking session; however, you may only photograph one check per deposit.

You have the option to retake photographs of the check before submitting or you may cancel the deposit. Also, the system will notify you if the image is unclear for processing. If you are unable to photograph a clear image, please take or mail your deposit to your financial institution for processing.

No, keep the check until it posts to your statement. Afterwards, you may securely destroy the check. Do not VOID the check after submittal in the event the deposit is not approved and needs to be re-submitted.

Yes. You may view your transaction history in Mobile Banking.

No, at this time the Mobile RDC functionality cannot be used to initially fund a new account.

When your account application processing is completed by our operations center, they will setup your accounts for Mobile RDC. Once the accounts are setup, they will be evaluated to confirm they meet certain criteria prior to being authorized for use with the Mobile RDC service.

No, you do not need to resubmit your deposit. If you entered the wrong amount for the deposit, our operations center will correct the deposit amount.

If the same deposit is submitted twice, it will be identified and stopped by our process. Should this occur, you will receive a declined deposit notification for the second deposit received through the Mobile RDC service.

If a deposit is returned, please do not re-deposit the check with the Mobile RDC functionality. You will receive written communication from your financial institution through the US Postal Service if a deposit is returned.

For additional assistance, please call 478-374-3418.

Your mobile devices must have an appropriate data plan and/or Wi-Fi connectivity that allows the transmission of data over the internet.

Device enrollment allows the user to register for Mobile Banking using their mobile device, instead of a personal computer with activation code. This added convenience means that users may register their device while on-the-go.

Device enrollment validates your banking relationship by asking you to provide your ID and password from online banking along with answers to security questions which are known only to you based on your personal history.

Yes, if a mobile-only enrollment is not offered. Your User ID and password will be used to enroll you in Mobile Banking. If you are not enrolled in Internet (Online) Banking, please proceed to the institution's website to register for Internet (Online) Banking first.

Users may enroll for, both, the web/browser-based version of Mobile Banking as well as the downloadable applications, if supported. SMS/Text for Mobile Banking must be enrolled from the Mobile Banking Center using a personal computer. Click on the "Activate Now" link for SMS and follow the instructions presented on the screen.

Your User ID is the same as the User ID you established for Internet (Online) Banking or created during the mobile-only enrollment process, if available.

On applications that allow saving the User ID, you may save your User ID by selecting "On" when prompted. For enhanced security, the User ID will then be presented in the future in a masked format, hiding some of the characters. You may also remove the User ID, at a later time, by simply changing the prompt to "Off".

Yes. You must agree to the Terms and Conditions in order to use Mobile Banking.

The 'Remember Me' prompt enables your device to recall your Mobile Banking registration so that you are not presented with challenge questions every time you log in. If you select "Off" for the prompt, you will be required to reply to the challenge questions each time you log in to Mobile Banking.

Your Password is the same as the Password you established for Internet (Online) Banking or in mobile-only registration, if available.

In this case, you should visit the Internet (Online) Banking website and follow the instructions for retrieving and/or resetting your credentials or, contact Customer Service.

When you use a non-phone device that is Internet-enabled and a phone number is requested, enter a phone number you can easily remember, such as your home phone or office phone.

Mobile BillPay allows you to pay bills online, saving you time, envelopes and stamps. It is an optional service on your Internet (Online) Banking account. You may pay bills using your mobile device while on-the-go, anytime, anywhere.

You enroll for BillPay through your Internet (Online) Banking account. Once enrolled, you will be able to access BillPay on your mobile device. You must be enrolled for, both, Internet (Online) Banking and BillPay before you may use Mobile Banking and Mobile BillPay.

Mobile BillPay is available on the web/browser and downloadable application modes. It is not available through the SMS/Text mode.

To pay a bill, select the "Bill Pay" option from the main menu, then select "Pay Bill". A simple flow guides you through choosing the payee, the payment account, send or due date and amount. Then you may enter an optional memo.

Only you may create and authorize a payment. Depending on the Payee's capabilities, payments are issued via paper checks or electronically. Both payment forms include remittance information to ensure your Payee may credit your account.

For more information about payment scheduling and delivery, please visit the Help section on your Internet (Online) Banking website.

If permitted, you will see a menu option to add Payees within the Bill Pay section of Mobile Banking.

You may manage your Payees, including deactivation by logging onto the Internet (Online) Banking website and accessing the list of Payees.

To cancel a payment, select the "Bill Pay" option from the main menu, then select "Scheduled". The system will respond with a list of payments currently scheduled and unpaid. Choose, from this list, the payment you wish to cancel. The system will display the payment details. From this screen, select "Cancel Payment". The system will ask you to confirm that you wish to cancel the payment.

To view previously paid bills, select the "Bill Pay" option from the main menu and then select "Recent". Your display will refresh with a list of completed bill payments in a summary format. Select an item to see the payment's details.

If you have an issue with a bill or a specific item on the bill, contact the Payee directly. Remember, you may pay whatever amount you desire in BillPay while you are disputing any item.

For more information and Frequently Asked Questions, please visit the Help section on your Internet (Online) Banking website.

Activation codes expire after a specific period of time. If you need a new one, return to the Mobile Banking enrollment site (called the Mobile Banking Center) and request a new activation code.

If you get a new mobile device or change phone numbers, be sure to return to the Mobile Banking website via your PC and update your mobile device profile in the Mobile Banking Center. Remove your old device within the Mobile Banking Center. Then download the app on your phone and enroll on your new device

Yes. Visit the Mobile Banking Center and simply enroll (and then activate) another device.

At the time of activation, a "cookie" is stored on your device which allows the Mobile Banking system to remember that you activated. The cookie is only visible by the Mobile Banking system and does not contain personal information. Some devices may require you to enable cookies or periodically erase them, requiring reactivation. If you are experiencing this issue, check your settings to ensure that cookies are enabled. If cookies are enabled and the issue persists, please contact your mobile network carrier or device manufacturer for cookie support information. If you would like to reactivate, text R or RECOVER to 49794. If Magnolia State Bank supports enrollment on your mobile device, you will not need to provide an activation code. However, you may be asked to enroll again due to issues with cookies.

If you are concerned about misuse of your mobile device, contact your mobile service provider immediately to stop all wireless service. Additionally, sign on to Internet (online) banking, navigate to the Mobile Banking Center and disable or remove your device.