Bank by Text - No Smartphone Required
Need to check your account balance but don't have time to log in to Online Banking?
With Circle Federal Credit Union Text Banking, you can stay connected to your accounts using simple text-message commands.
There's no smartphone app required. If your mobile phone can send and receive text messages, you can use Text Banking to quickly check account information, receive alerts, and perform certain transfers.
Simple Banking From Your Phone
Text Banking is designed for those moments when you need quick access to your account information without opening a banking app or logging into a website.
Whether you're checking your balance before making a purchase, reviewing recent activity, or moving money between eligible accounts, Text Banking gives you another convenient way to manage your finances.
No Smartphone Required
You don't need a smartphone or mobile banking app. Text Banking works through standard text messaging.
Check Your Balance
Send a simple command to quickly receive your available account balance.
Review Account Information
Use Text Banking commands to receive account information and account history.
Transfer Funds
Create custom transfer codes through Online Banking and use them to move funds between eligible account suffixes without logging in.
Receive Account Alerts
Enroll in e-Alerts to receive text notifications about balances, electronic deposits, withdrawals, and upcoming loan payments.
How Text Banking Works
Simply Text IM247 to 46247
You can use the same five-digit number whether you're checking a balance, using a transfer code, or requesting help.
Text Banking will respond with the requested information by text message.
Text Banking Commands
BAL for Balance for All Accounts
BAL {nick} Balance for up to three savings or checking accounts, where {nick} is a custom 1-6 character nickname assigned within It’s Me 247
BAL {#} Balance for a specific account, where {#} is the 3-digit account suffix
BAL {nick} {#} Balance for a specific membership and account combination
STOP Turns off all text banking
STOP {nick} Turns off text banking for a specific account
HELP The Customer Service number
Text Banking also allows members to create custom transfer codes to move their funds between suffixes quickly and easily, all without logging in to online banking - so helpful when you're standing in the checkout line and need a bit more cash in your checking account! This can be set up in Online Banking.
Stay Informed With Text Alerts
Get Important Account Information Sent Directly to Your Phone
Text Banking can also work with e-Alerts, allowing you to receive notifications about important account activity.
Available alerts include notifications related to:
- Account balances
- Electronic deposits
- Electronic withdrawals
- Loan payments that are due
- Other eligible account notifications
These alerts can help you stay aware of what's happening with your accounts without constantly checking them manually.
Keep Your Account Information Secure
Your financial information is important, so it's essential to protect your mobile device and banking credentials.
Protect Your Phone
Use your phone's security features, such as a PIN, password, fingerprint, or facial recognition when available.
Keep Your Information Private
Never share your Online Banking login credentials, passwords, or security information through an unsolicited text message.
Monitor Your Account
Review your account activity regularly and contact Circle Federal Credit Union if you notice anything suspicious.
Be Careful With Unexpected Messages
Circle FCU will not ask you to provide sensitive information through an unexpected text message.
If you're unsure whether a message is legitimate, contact the credit union directly using a trusted phone number or communication method.
Message and data rates may apply. Terms & Conditions Apply.
