Mobile Banking FAQs
Q. What is Mobile Banking?
A. Mobile Banking is a free, convenient and secure way to access your KS StateBank accounts from your mobile phone or device using the KS StateBank Mobile Banking app. Mobile Banking allows you to access your Online Banking account, using your preexisting credentials (i.e. User ID and Password). You can check balances, transfer funds between your accounts, pay bills, review E-Statements, make check deposits and monitor your transaction history.
Q. How is Mobile Banking different than Online Banking?
A. Mobile Banking gives you access to your accounts when you are on the go. It offers the basic features of Online Banking, in a format that is designed to be easy to view, and easy to use, from the KS StateBank Mobile Banking app on your mobile phone or device.
Q. Is there a fee to use Mobile Banking?
A. No. There is no fee to use Mobile Banking with KS StateBank. You may, however, incur normal data usage charges from your wireless carrier on your mobile device. Contact your carrier for details on related rates or charges.
Q. How do I enroll in Mobile Banking?
A. To get started with Mobile Banking, you need to have an active Online Banking account with KS StateBank. To sign up for Online Banking: apply online by clicking “Apply” in the upper right hand corner of our website; stop into any of our branches; or call us at 785-587-4000 or Toll Free at 800-588-6805 and speak with a Client Care Representative. Once you have an Online Banking account established, you can download the KS StateBank Mobile Banking app.
Q. I already have an Online Banking account, so how do I access Mobile Banking?
A. You can access Mobile Banking by downloading the App for iPhone® or Android™. To access using the App—just go to the place where you typically download apps on your particular device, search for “KS StateBank” and select the app when it appears in the results.
Q. Is Mobile Banking secure?
A. Yes. Account information is not stored on your mobile device. All of the security features from Online Banking are in place to safeguard your privacy and protect your account information.
Q. Can I change my Password through the Mobile Banking App?
A. Yes. You can change your Online Banking Password directly from your mobile device, and changes take place immediately. From the menu on iPhone® select the User Options; if on Android™ select Options.
Q. What information is stored on my phone?
A. With Mobile Banking, there is no information stored on your phone. It is best if you do not set your Online Banking ID and Password to be remembered by your phone. Also, as a security precaution, you should not store your credentials in the notepad or address book of your mobile device.
Q. Is the information “encrypted?” Why is that important?
A. For Mobile Banking, all information sent and received is encrypted using the same security technology as Online Banking. Encryption scrambles the information sent to and from your phone to mitigate the risk of a third party intercepting confidential information.
Q. What if my mobile device is lost or stolen?
A. If your mobile device is lost or stolen, report it immediately to your mobile carrier. Then log into your Online Banking account from a computer and reset your password, or stop into a branch or call Client Care at 785-587-4000 or Toll Free at 800-588-6805 and we will assist you in changing your Online Banking password.
Q. What if I believe my Online Banking ID or Password has become known or an unauthorized transaction has occurred via my mobile device?
A. Notify us immediately by stopping by a branch or calling Client Care at 785-587-4000 or Toll Free at 800-588-6805.
Q. What Online Banking functions can I perform using Mobile Banking?
A. With Mobile Banking, you are able to access your account balances and transaction information, you can transfer funds between your KS StateBank accounts, you can review E-Statements and you can pay bills and check or delete scheduled payments and more. You will have access to your check images and can request access to Mobile Deposit, which will allow you to make deposits from your device by entering basic information regarding the deposit and taking a photo of the check. You can also communicate securely with Client Care by sending and receiving Secure Messages. In addition, you can also use Text Banking, text us, send travel notices, access SecureSwipe and order checks.
Q. What is Instant Access?
A. Instant Access is a feature that will allow you to check your balances without logging into the Mobile Banking app. You can turn on Instant Access from within the Settings menu. Once you do, if you're using an iPhone®, a new icon will appear on the login screen (near the bottom just above the FDIC and Equal Housing Lender graphics). On Android™, a new button will appear below the Login button. Simply tap this icon or button when you want a balance and balances for each of your accounts available on Mobile Banking will automatically appear.
Q. Can I get to the KS StateBank website from the Mobile Banking App?
A. The KS StateBank Mobile Banking App has various links that connect you back to the website, including the home page, our Careers page and our monthly email newsletter, News for YOU! page.
Q. Is there contact information for the Bank within Mobile Banking App?
A. Yes, in additions to locations and ATM’s you’ll get a quick list of phone numbers, office hours and the email address for Client Care.
Q. Can I find branch and ATM locations in the Mobile Banking App?
A. Yes, a list of branch and ATM locations are available, including office hours, with the option to use your device’s GPS to find the most convenient location near you.
Q. Do I have access to my E-Statements from the Mobile Banking App?
A. Yes. You can access your E-Statements from the menu. Simply select which statement you would like to see, and it will open as a PDF in the default reader that you use on your device.
Q. Is the layout of the Mobile Banking App customizable?
A. The iPhone® version of the App gives you the ability to change the layout of the menu from the bottom to the side. The Android™ version does not include layout variations.
Q. How can I access the history on my account?
A. Click on the deposit account from the Accounts screen. you will be presented with the same amount of transaction history as is available on your Online Banking.
Q. If I make a transfer between my accounts, how long does it take before it’s completed?
A. Transfers memo post to your account immediately. You will be able to see the completed transfer on both the “From” account and the “To” account immediately after receiving your confirmation number. Transfer cut off tiem is 6 p.m. Central Time, Monday though Friday (excluding holidays). Any transfer after this daily cutoff time will be available on the following business day.
Q. Can I pay my bills through Mobile Banking?
A. With Mobile Banking, you are able to access all of your existing payees and can schedule, edit or delete one time payments. You can also set up new payees through the Mobile Banking system to pay a person, company or bank.
A. Yes. If you use the Mobile Banking App for iPhone® or Android™, you can request access to Mobile Deposit.
Q. How does Mobile Deposit work?
A. Once you have access to Mobile Deposit, you will be able to enter basic information regarding the deposit, select an account, take a photo of the check (front and back) and submit the check for deposit. You can deposit one check at a time using the Deposit a Single Check option, or you can deposit multiple checks into one or more accounts using the Deposit Multiple Checks option.
Q. Are there special rules for endorsing checks to be deposited with Mobile Deposit?
A. We ask that checks are properly endorsed by the person or entity the check is made payable to, with the signature(s) and the words “For Mobile Deposit at KS StateBank.”
Q. What items can be deposited through Mobile Deposit?
A. You can deposit checks that are payable to you or are properly endorsed to you, the account holder, with “For Mobile Deposit at KS StateBank” written on the back of the check. You cannot deposit foreign checks, bonds, returned/re-deposited items or money orders through the system.
Q. What items cannot be deposited through Mobile Deposit?
A. You cannot deposit foreign checks, bonds, returned/re-deposited items or money orders through the system.
Q. What is the daily cutoff time for submitting deposits through Mobile Deposit?
A. 6 p.m. Central Time, Monday through Friday (excluding holidays). Anything deposited after this daily cutoff time will be processed on the following business day.
Q. When will I see my Mobile Deposit in Mobile Banking?
A. At this time, you will not see your deposit in your account transaction list, or your balance, until we process the Mobile Deposit at the end of the day. However, you can check the status of your deposit at any time through the Deposit History option within the Mobile Deposit menu.
Q. How long do I need to keep my check after I’ve submitted it for Mobile Deposit?
A. We ask that you keep your physical check for at least 60 days.
Q. What is SecureSwipe?
A. SecureSwipe helps reduce fraudulent transactions by allowing you to lock and unlock your debit card from the Mobile Banking App.
Q. What does it mean when my card is locked with SecureSwipe?
A. Once enrolled from the Mobile Banking app you will be able to lock your card making it inactive and one-time debit transactions will be declined at the merchant. Recurring debit card transactions, such as a gym membership, will be processed without inconvenience even if the card is in locked status.
Payments will be accepted on locked cards only if the transaction is flagged by the merchant as recurring. In some cases, the first in a series of recurring payments may fail because it is seen as a one-time payment. The card will need to be unlocked to perform the transaction. Some local businesses may not currently send recurrence information with automated debits. SecureSwipe users are reminded to check their accounts frequently to ensure all bills are paid on time and, if not, to make different payment arrangements for those merchants.
Q. How do I enroll in SecureSwipe?
A. If you have Online Banking and the Mobile Banking app, log in to the app, then select SecureSwipe from the app menu. You will be prompted to complete enrollment. If you do not have Online Banking, you can still use SecureSwipe by downloading our mobile app and access the SecureSwipe icon on the login page. n
Q. How do I unlock my debit card with SecureSwipe?
A. To unlock your card prior to making a purchase, log in to our Mobile Deposit app, access the SecureSwipe option from the menu then choose the card you wish to unlock. If you are using SecureSwipe and don't have Online Banking, click the SecureSwipe icon on the login page of the Mobile Banking app. Enter your 4-digit passcode chosen at enrollment then choose the card you with to unlock.
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