Mobile Banking FAQs

How can I access FNB Mobile Banking, and what are the features?

You have three options, depending on your phone’s capabilities:

  • Downloadable app: Downloadable apps are very common today. A file is actually copied from the online service to your mobile phone, allowing you to: check account balances, review recent account activity, transfer money between FNB accounts, pay bills, change and cancel pending payments, locate an FNB branch or ATM, and deposit checks. 
  • Mobile browser service: A mobile browser is simply a web browser designed for use on a mobile device. Mobile browsers are optimized to display web content effectively on the small screens of portable devices. With a mobile browser service, you can: check account balances, review recent account activity, transfer money between FNB accounts, pay bills, change and cancel pending payments, and locate an FNB branch or ATM. 
  • SMS/text messaging: Short Message Service (SMS) is simply the text messaging service on a mobile phone/device. With SMS text messaging you can: check account balances, review recent account activity and locate an FNB branch or ATM. 
How do I get the FNB downloadable app?

First, you must be enrolled in FNB-Online Banking. Then you can enroll in Mobile Banking by using the Mobile Center app. When you follow the steps to enroll in Mobile Banking, you will receive a text message that allows you to download the app. Our app can also be found in the app markets by searching “FNB Direct”.

What is the FNB short code?

91489

Why am I having a problem sending and receiving text messages to and from the F.N.B. short code?

Some wireless providers may have short codes disabled. Ask yours to verify and request short code service.

Do I have to enroll in or maintain FNB-Online Banking access to use Mobile Banking?

Yes. 

Where can I find out more about Mobile Banking?

Visit the Mobile Banking section to view our demo. 

Is FNB Mobile Banking secure?

FNB Mobile Banking employs industry best practices with regards to security. It has been assessed against industry security criteria by a number of independent system security experts.

At a high level, FNB Mobile Banking offers the following security safeguards:

  • Authentication - Mobile browser and application solution customers are authenticated for every interaction with any FNB Mobile Banking component. Customers are authenticated by username and password or by utilizing existing login credentials for single sign-on.
  • Encryption - 128-bit encryption is used for all transactions within FNB Mobile Banking.
  • Fraud - FNB Mobile Banking incorporates mechanisms such as transaction validation and transaction reconciliation processes to detect fraud.
  • Availability/Resilience - FNB Mobile Banking is protected against malicious attacks through software and server hardening measures.
Is my personal or financial information stored on my phone?

No. FNB Mobile Banking does not save any files with personal or financial information on your mobile device. That information stays strictly within online banking. Some phones (e.g., BlackBerry, Android) have logo and branding files that are copied to the mobile device. Those files do not contain any personally identifiable information.

Which accounts can I access with FNB Mobile Banking?

You can access any account you have set up in online banking. You select which accounts you want to access using FNB Mobile Banking during the enrollment process.

How current is the account and transaction information?

When you view your account balance, you see the current available balance. When you view transaction history, you see the most recently posted transactions.

Can I use more than one mobile phone?

Yes. You can enroll several mobile devices for FNB Mobile Banking. To add a new phone, complete the FNB Mobile Banking Enrollment section under the Mobile Center tab in online banking.

What if my phone number changes?

If your mobile phone number changes, simply update your mobile phone number under the Mobile Center tab in online banking. To update the mobile phone number, select “Change mobile number” in the drop-down menu and press Go.

What if my phone is lost or stolen?

If your mobile device is lost or stolen, no one can access your account without knowing your password and, in some cases, your unique user name. To prevent unauthorized access to your account, you can deactivate your phone under the Mobile Center tab in online banking. To deactivate your mobile device, select “Remove mobile phone” in the drop-down menu and press Go.

How do I stop using FNB Mobile Banking on my phone?

To stop using FNB Mobile Banking on your mobile device, complete the How To Deactivate or Stop Using a Mobile Device section under the options tab in online banking. To deactivate your mobile device, select “Remove mobile phone” in the dropdown menu and press Go. Then, delete the application from the mobile device.

Which phones can I use for FNB Mobile Banking?

Hundreds of models are supported including these major brands: iPhone, BlackBerry (Text Banking & Mobile Browser only), HTC, LG, Motorola, Nokia, Pantech, Samsung, Sanyo, and Sony Ericsson. Phones on a number of different operating systems are supported including, but not limited, to Android, BlackBerry, iOS, Symbian, Windows Mobile, Linux, Palm webOS, and Maemo.

Which mobile service carriers support FNB Mobile Banking?

FNB Mobile Banking works on all major mobile service carriers in the U.S.: AT&T, Sprint, T-Mobile®, U.S. Cellular® and Verizon Wireless. FNB Mobile Banking also works on a number of the smaller service carriers, including, but not limited to, Boost Mobile, Cricket Wireless, Metro PCS, Pioneer Cellular, Union Wireless and Virgin Mobile USA.

I have a prepaid plan. Can I use FNB Mobile Banking?

FNB Mobile Banking works with most prepaid plans, but we cannot guarantee that your carrier supports standard U.S. short codes. T-Mobile prepaid does not support short codes.