hills and farmland

Mobile Banking FAQ

How Do I Enroll?
Current Personal Online Banking Customers

Online Banking Customers can sign up today by following these easy steps:

  • Log In to your Central Valley Community Bank Personal Online Banking Account
  • Click on the “Mobile” in the upper right corner
  • Select the service options you would like to sign up for
  • Available options include – Mobile Browser, Mobile App, Text Messaging and Alerts
  • Log In to the CVCB Mobile Banking App or use your phone's mobile browser to visit our website using your Online Banking Username and Password
Current CVCB Customers Without Online Banking
If you have a Central Valley Community Bank Personal Checking or Savings Account and need to sign up for Online Banking, please visit your nearest Central Valley Community Bank location today.

Not a Central Valley Community Bank Customer?

If you are not a Central Valley Community Bank Personal Banking customer, you must open a Personal Checking or Savings Account with the Bank and be enrolled in Personal Online Banking to download and access the Mobile App.

Which phones can I use with Mobile Banking?

Central Valley Community Bank's Mobile Banking supports most models for these major brands: iPhone, HTC, LG, Motorola, Nokia, Pantech, Samsung, Sanyo, and Sony Ericsson. We support phones on a number of different operating systems, including (but not limited to) Android, iOS, Symbian, Windows Mobile, Linux, Palm webOS, and Maemo.


What Mobile service carriers support Mobile Banking?

Mobile Banking works on all major mobile service carriers in the U.S.: AT&T, T-Mobile, U.S. Cellular, and Verizon Wireless. Mobile Banking also works on a number of smaller 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 Mobile Banking?

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 so you will not be able to use the SMS text message service of Mobile Money with this plan.


What if I forget my password?

Your password for Personal Online Banking and Mobile Banking are the same. You will need to change your password in Personal Online Banking to access your Mobile Banking. From your PC, attempt to Log In to your Personal Online Banking account, select the "Forgot Password" option. Follow the process to select a new password. For security purposes, you will need to contact Customer Service at (800) 298-1775 to unlock your Mobile banking account before you are able to Log In.


How current is the account and transaction information?

You will not be able to see any pending transactions. You will be able to see the current available balance and the most recently posted transactions.


Is my personal or financial information stored on my phone?

No. All of your personal and financial information is stored within Online Banking.


Is there a monthly fee for Mobile Banking?

No. Central Valley Community Bank offers Mobile Banking free of charge for all Personal Online Banking customers. Message and data rates may apply; check your plan for details.


Can I add more than one mobile device?

Yes. You can register several mobile devices for Mobile Banking. Each device will have access to all accounts for that profile or User ID. To add a new device, Log In to your Personal Online Banking account and access the Mobile Banking pages. On the My Phones page, select "Add New Phone."


Can I pay my bills with Mobile Banking?

Yes. Any payees that you have set up through Bill Pay will automatically show up in Mobile Banking. You will not be able to set up new payees in Mobile Banking; you will need to do so from a PC.


Mobile Deposit FAQ
What is Mobile Deposit?

Using Central Valley Community Bank’s Personal Mobile App, you can now deposit checks without having to visit the Bank or an ATM. It’s quick, easy and incredibly convenient. Mobile Deposit allows you to take a photo of your check and send it to Central Valley Community Bank for deposit into your designated account.

How do I deposit a check using my Mobile device?

To deposit a check using your Mobile device, follow the steps below:

To deposit a check

1. Endorse the check that you will be depositing by signing and adding “For Mobile Deposit Only” and last 3-digits of your account number to the back of the check

2. Login to your Personal Mobile App and select “Deposit,” then “Deposit Check”

3. Choose the account that you would like to make your deposit

4. Enter the amount

5. Take a photo of the front of the check.  Tips for taking the photo: Make sure you take a photo against a background that gives you strong contrast and remove any objects that show up in the picture, make sure that the entire check is visible, in focus and well lit. If the photo looks clear you can accept it.

6. Repeat this process for taking a photo of the back of the check

7. Review and if everything is correct, select “Submit”

8. You can check the status of your deposit anytime, it will either have a pending, failed or accepted status

9. Once accepted, write “Mobile Check Deposit” and the date on the front of the check and store it for 30 days before destroying


What types of checks can be processed through Mobile Deposit?

All checks payable to you that are drawn in the US can be processed through Mobile Deposit. Checks that cannot be deposited are checks from foreign countries, food stamps, checks that have previously been deposited and any check that has poor image quality.

 

How secure is Mobile Deposit?

Mobile Deposit is very secure. It features multiple layers of security, giving your account and check data the highest level of safety available.


When will deposits be posted into my account?

Generally, check/item deposits received prior to 5:00 p.m., Pacific Standard Time are processed on the business day of receipt and available for withdrawal the day following the date of deposit provided that an extended hold has not been placed on the account. Any check image deposit received after this time or on Saturdays, Sundays, and holidays when Central Valley Community Bank is closed will be processed on the Bank’s next business day. Acknowledgment that your check image deposit has been received by the Bank does not mean that the check image deposit was received error free.


What should I do with the original paper checks after deposits are made?

Once accepted, write “Mobile Check Deposit” and the date on the front of the check and store it in a secure location for 30 days before destroying.


How do I prevent checks from being scanned and deposited twice?

The software has built-in duplicate detection tools that detect items already captured. If the software detects potential duplicate checks, an alert prompts you to make a decision about the items in question. Also endorse the back of the check with "For Mobile Deposit Only" as a precaution.


How do I know the image quality is acceptable?

The software has an Image Quality Assessment (IQA) tool that automatically identifies problems with the check image. If a problem is detected, you'll be asked to retake the photo.


Text Banking FAQ
Why are all of my Mobile Banking text messages coming from 39-872 (39872)?

Central Valley Community Bank's registered short code is 39-872 (39872). You receive all Mobile Banking text messages from this number.


What is a short code?

A short code is a shorter version of a phone number. Generally 5-6 numbers in length. You can send and receive text messages from a standard U.S. short code as well as a traditional phone number.


What does "standard messaging charges apply" mean?

Every mobile service carrier has a different rate plan for text messaging and data service access. You may be charged per use or pay a flat rate for unlimited usage each month. You may also have different fees for text messaging and data services access. Contact your mobile carrier directly if you are not sure what fees you are charged for text messaging.


What is the difference between the text messaging service and the alerts service?

The text messaging service allows you to request account balances, transaction history, and ATM and branch location information any time from your mobile phone. We send text message responses to your phone.

The alerts service sends automatic notices to your mobile phone with information about your accounts. For example, we can send you an alert when your account balance goes below a threshold amount. You choose which alerts you want, and we'll send the alerts based on the time zone selected based on your Mobile Banking profile.


How do I stop receiving alerts?

To stop receiving alerts on your phone, text STOP to 398-72


What are the text code options?

Use the keywords below to request information on the topics below:

  • Account Balance Request: keywords - B, BAL, BALANCE, BALANCES
    Check the balances for all accounts that you have registered in Mobile Banking.
  • Transaction History Request: keywords - STMT, HIST, TRAN (account nickname)
    Check the most recently posted transactions of the account you specify with the account nickname.
  • Branch Locations - ATM, BRANCH, BOTH (address)
    Find ATMs, branch locations, or both near an address that you specify. You can enter: Zip Code, City and Zip Code, City and State, Street and City and State
  • Help - HELP, HLP
    Provides information about Mobile Banking keywords
  • Stop - STOP, END, CANCEL, UNSUBSCRIBE, STOP ALL
    To stop receiving Mobile Banking alerts, text: STOP BNKG to cancel banking alerts

Alerts FAQ
What Alerts can I setup for my account?

You can receive automatic alerts sent directly to your mobile device regarding account balances and transactions posting to your account. Alert options include:

  • Withdrawal Alert - Notifies you when a withdrawal has been posted to your account
  • Deposit Alert - Notifies you when a deposit has been posted to your account
  • Low Balance Alert - Notifies you when your account balance falls below your pre-set limit
  • Overdraft Alert - Notifies you when your account is overdrawn
  • Check Alert - Notifies you when a specific check number posts to your account
How do I setup Mobile Alerts for my account?
To sign up for Alerts, follow the "How Do I Enroll" steps listed above. Standard message and data rates may apply. Please note the Alerts feature is not real-time, Alerts will be sent out each night during nightly processing.


Your Security Is Our Priority

Mobile Banking data transmissions are safeguarded by 128-bit SSL (Secure Socket Layer) to prevent unauthorized access. Just like Personal Online Banking; Log In securely with your Username and Password, knowing that your information is protected by encryption technology.


Requirements

*Central Valley Community Bank Mobile Banking is a free service and only available with a Central Valley Community Bank Personal Online Banking Account. However, your mobile phone service provider may charge for text messages and/or web access: check your plan for details.

To use the CVCB downloadable application, your mobile device must have an operating system that supports application downloads and may require a data plan service plan. You download the CVCB application using the link sent by SMS text message during the enrollment process.

To use the Mobile Browser, your mobile device must have an Internet browser and may require a data plan service plan.

To use text banking your phone must be able to send and receive text messages to and from a short code. Message and data rates apply.


Popmoney FAQ
What is Popmoney?

Popmoney is the easy way to send money to anyone. All you need is their mobile phone number or email address to send them money electronically, no matter where they bank.

What does Popmoney cost?

Popmoney is a part of our Personal Online Banking Bill Pay service; you must be enrolled in Personal Online Banking and Bill Pay service to be able to send money through Popmoney. Online Banking and Bill Pay are free for Central Valley Community Bank customers and each Popmoney payment that you initiate will cost $0.65. It does not cost you money to accept any payments through Popmoney.

Who can I pay with Popmoney?

You can pay anyone with a U.S. bank account. The recipient will receive a text message or email with instructions on how to claim the money. They will need to register with Popmoney the first time they use the service.

Is Popmoney available outside the U.S.?

The Popmoney personal payment service is only available for use between banking accounts that are located in the United States (includes Hawaii and Alaska).

How much can I send through Popmoney?

The maximum amount you’re allowed to send is listed next to the "Amount" field within Popmoney and the daily, weekly and monthly limits vary by customer. This amount is reduced each time you send a payment and then reset on a rolling seven day period. For example, if your maximum amount is $1,000 and you send $100 to someone, your maximum amount changes to $900 for the day. When your maximum amount reaches $0, you cannot send money until it resets.

How do I send a payment?

Log In to your Personal Online Banking account and access Bill Pay, click on the "Pay People" tab at the top. Then enter the recipient’s name, mobile phone number or email address, the amount of the payment, your personal message and click send.

How do I claim a payment?
Customers:

Central Valley Community Bank Personal Online Banking and Bill Pay users can simply log In to their account and access Bill Pay. Click on the "Pay People" tab and then click on "Claim Money" link.

Non-Customers:

Access www.popmoney.com, click on the “received Popmoney email or text” link in the top right corner, and then enter the email address or mobile phone number where you received the notification. You will need to enter your financial account information and go through a verification process the first time you access the site.

 

How long does the payment take?

The payment time frame depends on the delivery option that is selected by the sender. If the sender selects 3-Day or Standard delivery, then the recipient will receive the funds 3 business days after accepting the payment. If the sender selects Next Day or Express delivery, then the recipient will receive the funds 1 business day after accepting the payment. Payments take one business day once the recipient is registered with the Popmoney network.

If the sender does not have an option to select a delivery speed, funds will normally be available to the recipient on the next business day if you are sending the money to someone who has used Popmoney and has selected the Automatic Deposit option. Funds will also be available on the next business day if you have provided your contact's account information. In some cases, like if you have exceeded your payment limit, the funds will be available in 3 business days.

 

Why does it say my email address or phone number is already in use?

Some financial institutions that offer Popmoney may auto-enroll you in this service. This means that your email address and/or phone number may already be associated with your profile at that institution. You can only use one email address and phone number per Popmoney profile. This is how Popmoney identifies what account to deposit/debit your payments to/from. If you are already enrolled with another financial institution you may need to unsubscribe to enroll with Central Valley Community Bank or use an alternate email address and phone number.