There's a Bank in Your Hand.

What is it?

Mobile Banking is a First Western Bank service that gives you access to your bank account via any Internet enabled mobile phone. The service is not dependant on your phone service provider and is compatible with most phones.

What can it do?

With Mobile Banking, you can perform the following transactions:

• View account balance
• Pay bills
• View 15 day history
• View Alerts

How is my personal information protected?

Since Mobile Banking is a browser-based solution, no personal information is stored on the device. Further, all personal information stored in the bank's system is encrypted with advanced encryption technology. Lastly, authentication to the system consist of multiple levels: standard username / password and challenge phrase validates your identify as well as authenticates the site you are being directed to.

How much does it cost?

Mobile Banking is free to First Western Bank customers! However, your mobile phone provider may charge you a fee for using such data services. Contact that provider to determine their fee, if any.

How do I sign up?

First, create access to Online Banking (if you haven’t already). Then go to the “Personalize” area of your Online Banking page. From there:

• Choose “Activate Mobile Banking Access”
• Select the account(s) you want to access
• Enter your mobile phone number
• Enter your mobile phone provider
• Agree to the Mobile Banking Agreement

You will then get a text message from the system with the web address for mobile banking. You will login with the same login and password you use for Internet banking.

Will I still have to occasionally answer security questions?

Yes, and they will be the same questions you setup in Internet banking.

How do I know if my transfer or bill payment was entered successfully?

Each time you make a transfer or bill payment, a confirmation SMS Text Message will be sent to your mobile device shortly there after. If you do not receive a confirmation text message, double check to make sure the transaction went through.

How can I search for a transaction?

While there is not a search feature, you will be able to view the most recent 15 days of transaction history.

What happens if I lose my mobile phone or get a new one?

Your account data is not stored on your mobile phone, so your information cannot be stolen if your phone is lost. If you simply get a new phone but keep the same phone number and service provider, you don’t need to do anything. If you change your phone provider or phone number, log in to your NetTeller account via the Internet and update your information on the Options > Mobile Settings page. You will not receive SMS Text Messages regarding Mobile Banking transactions if your phone number is not correct.

What are the restrictions on the type of mobile devices that can be used to access accounts?

First Western Bank’s Mobile Banking works with any web-enabled mobile phone device whose network allows secure SSL traffic.

What if I can’t get my mobile device to work with Internet Banking?

To use the Mobile Banking, your must meet the following minimum requirements:

• You must enroll through traditional Internet banking before you can gain access.
• Your mobile device must be web-enabled.
• Your mobile network must allow secure SSL traffic. (You may need to contact your mobile provider to determine this.)

If your phone meets these requirements and you continue experiencing problems, your phone’s browser may not be compatible with Mobile Banking. A possible solution is to try downloading another browser such as Opera Mini (www.operamini.com), which provides good support to a number of mobile applications.

What happens if I lose communication/signal during a transaction?

When you complete a transaction from your mobile device (bill payment, funds transfer, etc.) you will receive an SMS Text Message as confirmation that the transaction was successful. If you do not receive this message due to a dropped call or lost signal, check your account and re-submit any transaction that did not process.