iMobile@ESSA

  1. Mobile banking is the ability to perform banking transactions through a mobile device such as a mobile phone, Smartphone or Tablet. ESSA is proud to offer our mobile banking solution iMobile offers SMS (Short Message System) messages, alerts, mobile browser based banking, and a downloadable App.

    1. SMS Text Banking- Send text commands to us from your SMS-enabled phone to inquire about basic account balance and transaction history information. Receive text message responses directly on your phone.
    2. Mobile Browser- Get full and extended mobile banking capabilities on your web-enabled phone. Receive an optimal banking experience with a look and feel that is similar to PC-based online banking, in a site designed to fit neatly on your phone's screen.
    3. Downloadable App- Get a downloadable mobile application for your Smartphone or Tablet. The App includes a Mobile Deposit feature that is not available with our other mobile services. The App offers an easy user experience which includes Bill Pay, Popmoney® and locations features.
    4. Alert Banking- In iBank, you can set up alerts to notify you via email, text, or secure inbox when selected activity occurs on your accounts.
  2. You can access iMobile by logging into your online banking and selecting Profile, then Manage Devices.  You can also download the App by searching for ESSA Bank in your App or Play Store.

  3. Yes, you will need to be enrolled in iBank to enroll in our mobile banking product, iMobile.

  4. iMobile is a free product offered to all ESSA Bank & Trust customers. However, standard data & message charges from your carrier may apply.

  5. iMobile SMS text messages are compatible with all phones that can send and receive text messages. However, the mobile browser and mobile app will only work on Smartphones. The mobile browser is supported by Android, iOS, and select Blackberry and Windows devices.

  6. The carriers that support our mobile banking product include (but are not limited to) Verizon®, AT&T®, T-Mobile®, Sprint®, and MetroPCS.

  7. In iBank, you will need to go into Profile, select “Manage Devices” and in the drop down select “stop using this device for Mobile Banking” and then you will need to re-register the phone with the services you intend to utilize. This will reset the device information that is held in the iMobile Profile.

  8. Yes, we have tablet App versions available at the App Store and Google Play for iPad and Android tablet usage.

  9. You can search for locations by current location, zip code, address, or category.  The locator will display the closest locations first and the furthest last.

  10. All alerts go out periodically five times throughout the day.

  11. Both the mobile browser and mobile app have a 5 minute inactivity timer. If the user is idle for more than the stated inactivity time, the user will time out and be disconnected from the mobile browser or app for security reasons.

  12. iMobile uses layered security methods, transacton encryption, and SSL encryption.  Personal and account information are protected by only being partially displayed.

  13. Yes, more than one phone can be added to the account simply by going into Profile, clicking “Manage Devices” under Mobile Banking Profile, then by clicking “Add New Device”.

  14. You can easily change your services by logging into your iBank account, selecting “Profile”, clicking “Manage Devices” under Mobile Banking Profile, then using the drop down switch to “I want to: Change My Mobile Banking Services”. After switching the drop down, click “Go” and you can select which services you would like to have.

  15. You can remove mobile banking access by logging into iBank, selecting Profile, “Manage Devices”, then using the drop down switch the option to “ I want to: Stop Using This Device For Mobile Banking”. After switching the drop down, click “Go”, this will disable mobile banking on the phone.

  16. When using the Mobile App:  Choose the Payments option from the main screen, then select Pay My Contacts

    When using the mobile browser:  Choose the Payments option from the main screen, select Pay Bills, and then Make a Payment

     

    You will then be guided through a simple process of choosing the payee, the account you wish to make the payment from, the amount, and the date of payment.

  17. Yes, payees can be added through the Mobile App.  This can be done by selecting Payments, Manage Contacts, then Add New Contact.  You will then have the option to take a photo of a bill which will automatically enter the payee information for you, or you can manually enter the information yourself. 

    There is no option to add a payee through the mobile browser.

  18. Yes, as long as the payment is in a pending status and has not been processed.

  19. Using the App:  You are able to send money, request money, view pending transactions, view past activity, and manage your contact preferences.

     

    Using the mobile browser:  You have the ability to send money, view pending transactons, and view past activity.

  20. If you are currently using Popmoney® through your iBank account, you will automatically be able to access Popmoney® through your mobile device using the Payments option on the main menu. Your current contacts will appear.

  21. Yes.  Using the App, you are able to add a new Popmoney contact by selecting the To field.  If the person you wish to send money to is not currently in your phone's contacts list, you wil be prompted to Add new Popmoney contact.

     

    From the mobile browser, select Contact then Pay Someone New.

  22. Varies based on amount and delivery options, standard data & message charges from your carrier may apply.

  23. ESSA’s mobile check deposit is free to use.

  24. Mobile check deposit is available through the ESSA App. You must be enrolled in iBank, install the ESSA App on your device, and have an eligible ESSA checking account.

  25. We recommend that you retain the check for 14 days after the funds have posted to your account. You should then properly destroy the item(s).

  26. Both the daily and per item limit for mobile deposit is $1,500.00.

  27. Yes, checks must be endorsed with your signature and the words “For Bank Mobile Deposit Only”.

  28. If your mobile deposit is received on a business day before our 6:30 PM ET cut-off time, your funds will normally be available the next business day. If we receive your mobile deposit after our cut-off time, your funds will normally be available in two business days.