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Safety & Security
Allegheny Valley Bank is committed to protecting your
personal information with all of our banking channels,
including mobile banking, but it takes consumers practicing good, safe behaviors to avoid malicious attacks,
as well.
Mobile Banking and Associated Risks
Allegheny Valley Bank offers mobile banking via text
messaging, mobile Web, or a client downloadable program (applications or apps).
Text Banking involves text message exchanges between customers and banks. Customers with registered
phones can request text alerts or balance information.
Allegheny Valley Bank will only accept instructions via
the mobile phone registered in your online banking account. Lost or stolen phones are at risk.
Mobile Web, like online banking, uses an Internet
browser to give customers access to a bank’s Web site.
As such, mobile browsers are susceptible to the same
kind of security risks (viruses, malware, phishing scams
and spoofed Web sites) as their home or office computer counterparts.
Applications (apps) are downloaded and installed on
smart phones and link the customer directly with the
Bank. Because many of these programs can store sensitive information on the phone, and can allow the user
to remain logged in for extended periods of time, there
is risk if the phone is lost or stolen.
Six Steps to Safer Mobile Banking
1. Never provide personal identification or banking
information over your mobile device unless you
initiate the contact and you know that you’re dealing directly with Allegheny Valley Bank.
2. Assume any unsolicited text for personal or banking information request is fraudulent. Providing this
information places your finances and privacy at risk.
How to Enroll
3. Avoid sharing sensitive information such as your
password, account number or answers to secret
questions. Don’t save this information anywhere
on your mobile device or phone.
4. Don’t set the Web or client-text service to automatically log you in to your bank account. If your phone
is lost or stolen, someone will have free access to
your money.
5. Set the phone to require a password to power on
the handset or awake it from sleep mode.
6. In the event your phone is lost or stolen, disable the
service through your online banking account. Go to
the Administration menu, Maintain Account, and select Mobile Banking to change, disable or remove your
account from a mobile device.
Enrollment Process
In order to enroll in AVB Mobile products, you must first
sign up for online banking. Visit www.ilovethatbank.com
or contact your local branch office to sign you up.
Mobile Banking Enrollment
1. Search “AVB Mobile” in the App Store and download
the app to your mobile device. The app is available in
both the Android and Apple app stores.
2.Open the AVB Mobile App and enter your OLB user
name and password.
3. You will be prompted to enter your first name, last
name, and birth date.
4. You will then be required to answer three “out of
wallet” questions. These questions are to verify your
identity.
5. You will then be presented with your AVB mobile
account summary screen.
Mobile Banking Website Enrollment
1. Browse to m.ilovethatbank.com in your phone’s
browser. This site is also accessible from a computer;
however, it may not display properly in some browsers (like Internet Explorer) as it was meant for a mobile
phone browser.
2. Enter your OLB user name and password into the Mobile App site.
3. You will be prompted to enter your first name, last
name, and birth date.
4. You will then be required to answer three “out of
wallet” questions. Again, these questions are to verify
your identity.
5. Once the questions have been answered correctly
you will be asked to enter your mobile phone number.
Enter the number associated with the cell phone you
are using.
6. You will then be presented with your Mobile App site
account summary screen.
Text Banking Enrollment
1. Log into your AVB Online (OLB) account on your
computer.
2. Once logged into OLB, under the Administration tab select Mobile Banking.
3. You will be prompted to enter your cell phone number,
cell phone carrier, accept the terms and conditions and
select continue.
4. The mobile banking options will be selected and you
will click on the continue button.
5. A screen will appear with an activation code and you
will follow the instructions that are presented on that
page.
6. You should receive a text from 79680. You will need to
reply with the activation code to 79680.
7. Save 79680 as a contact in your phone so that when
you receive text messages from this number you do
not think it is spam.
www.ilovethatbank.com
AVB Mobile Handbook
Safety & Security
Mobile FAQ’s
Text Banking
www.ilovethatbank.com
Mobile FAQ’s
What is Mobile Banking?
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 phone capabilities. Both options allow you to:
view account balances, search recent account activity,
transfer funds, pay bills*, deposit checks** and find the
nearest branch or Freedom Alliance ATM.
Is it secure?
Yes, the mobile banking service utilizes best
practices from online banking, such as HTTPS,
128-bit SSL encryption, PIN, or password access
and application time-out when your phone is
not in use. Only the phones that you personally
enroll in the service can access your accounts. In
addition, no account data is ever stored on your
phone.
How much does this service cost?
There is currently no charge associated with the
service. However, there may be charges associated with text messaging and data usage on your
phone. Check with your wireless phone carrier
for more information.
Which wireless carriers are supported?
We support all 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.
Do I need a text message or data plan?
Yes, a text messaging and/or data plan is typically
needed, as data usage can become expensive without
them. Please check with your wireless carrier for more
information.
Text Banking
How do I sign up for Mobile Banking?
Sign in to Online Banking on your computer, go to the
Administration menu, Maintain Account and select Mobile Banking. Enroll your mobile phone and follow the
activation instructions.
I’m not enrolled for online banking. Can I still use this?
You must first enable your bank account(s) for online
banking before using mobile.
What is Activation?
Activation is a one-time process that helps ensure your security. After you enroll a phone, you
will receive an activation code which will be required to begin using Text or Mobile Banking
on your device. We recommend you print your
activation code and installation instructions for
easy reference during installation.
How do I access Mobile Banking on my
phone’s browser?
After successful activation, your phone will
receive a text message with your Mobile Banking URL.
I activated Mobile Banking on my phone’s
browser. Why am I being asked to activate
again?
At the time of activation, a “cookie” is stored on your
phone’s browser which allows the Mobile Banking system to remember that you activated. Some phones
may require you to enable cookies or periodically erase
them, requiring re-activation. If you are experiencing
this issue, check your phone settings to ensure that
cookies are enabled. If enabled and the issue persists,
consider using an alternative mobile web browser with
strong cookie support, such as Opera Mini (which can
be found by visiting mini.opera.com on your phone’s
browser).
How do I optimize my mobile web experience?
Ensure your phone’s browser has cookies enabled. In addition, enable stylesheets for the best viewing experience.
How do I navigate Mobile Banking links with my
phone’s browser?
There are two easy ways to navigate links. You can either
click on the link or enter the associated “accelerator key”
number. Just type the number to quickly navigate to
the link’s destination. Accelerator key numbers appear
next to many, but not all of the content links.
What is mobile check deposit?
Mobile check deposit is a smartphone application that
allows you to deposit checks by using the built-in camera on your smart phone.
How does mobile check deposit work?
Check deposit is a function of mobile banking. When
you select “check deposit” from the mobile banking
menu, you will see a sample of the appropriate way to
make a mobile deposit.
Is there a limit to how many deposits I can make?
Yes, customers can deposit 3 checks per day. The maximum amount of checks deposited in a 30-day period is 15.
Is there a dollar limit on how much I can deposit?
Yes, the maximum daily deposit total may not exceed
the amount of $2,500. The maximum amount of checks
in a 30-day period is $5,000.
What do I do with my checks once I have deposited
them using the app?
It is the customer’s responsibility to retain any deposited checks for two weeks. Be sure they have cleared
and been deposited. Feel free to keep them longer,
however, always ensure checks are destroyed properly
and securely.
Allegheny Valley Bank’s Mobile Banking App is available to Allegheny Valley Bank customers only. Available on iPhone and AndroidTM apps. Subject to availability requirements. *Payees for mobile bill pay must
be set up in online banking account. **Deposits are subject to verification and may not be available for immediate withdrawal.
What is Text Banking?
Text banking gives you access to your accounts via
text messages on your phone. It’s a fast, easy way to
look up account balances or recent account history
by sending a text command to a shortcode.
Can I use both Text Banking and Mobile Banking
on my phone?
Yes, you can use both options from the same phone.
To do so you will need to activate each option on
your phone prior to use.
Is Text Banking supported on my phone?
Text Banking will work on any text message capable
phone from one of our supported carriers.
Will I receive unsolicited text messages?
No. You will only receive messages when you specifically request them with one of the Text Banking commands or if you subscribe to Mobile Alerts. Allegheny
Valley Bank’s shortcode is 79680. Customers should
save as a contact so text messages received from this
shortcode are not mistaken for spam.
What are the Text Banking commands?
FUNCTION
COMMAND
DESCRIPTION
Balance
B
Summary of available
balances for all accounts
History
H
Summary of recent
transactions per account
Command
C
List of available Text Banking
commands
Help
HE
Help content for Text Banking
Login
L
Receive a URL for the AVB
Mobile website
Recover
R
Receive a URL and new
activation code for the AVB
Mobile website
Stop
S
De-activate all AVB Mobile
text services
www.ilovethatbank.com