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SMS Text Messaging

Mobile Banking with SMS Text Messsaging

The following contains steps for using the text messaging service to view account balances, view transaction history and locate ATM and branch locations using keywords.

To View Account Balances

• Send “B”, “BAL”, “BALANCE” or “BALANCES” to the short code received after activating themobile device. A text message will return displaying balances for the accounts enrolled in Mobile Banking.

To View Transaction History

• Send “STMT”, “TRAN” or “HIST” plus the nickname for the account (example: HIST my Checking) to the short code received after activating the mobile device. A text message will return displaying the transaction history for the account.
• Reply to the transaction history text with the word “NEXT” or “MORE” to view the next group of transactions. A text message will return displaying the transaction history.

To Locate ATM Locations

• Send “ATM” plus the zip code, city or state for the ATM (example: ATM 41041) to the short code received after activating the mobile device. A text message will return displaying the ATM location(s) for the institution.

To Locate Branch Locations

• Send “BRANCH” plus the zip code, city or state for the branch (Example: BRANCH Maysville, KY) to the short code received after activating the mobile device. A text message will return displaying the branch location(s) for the institution.

To Locate ATM and Branch Locations

• Send “BOTH” plus the zip code, city or state for the branch (Example: BOTH Maysville, KY) to the short code received after activating the mobile device. A text message will return displaying both the ATM and branch location(s) for the institution.

To Request Help

• Send “HELP” or “HLP” to the short code received after activating the mobile device. A text message will return displaying a list of acceptable keywords.

 

Frequently Asked Questions

Q: Are the Keywords case sensitive?
A: No. Whether you type “BAL” or “bal”, a response with your account balance information is sent to your mobile device.

Q: What should I do if I don’t get a response to a request?
A: Ensure you are sending text messages to the short code. Check the keyword and any additional information required for the request, such as the financial institution’s identifier, account nickname or address.

Q: Why are my results sent as multiple messages?
A: Text message are limited to 160 characters. If your account information exceeds the character limit your account information is sent in multiple messages – no more than five at a time.

Q: I have text messaging enabled on my mobile device, why can’t I receive text messages?
A: Your mobile service carrier may be blocking short codes or you may have blocked short codes on your mobile device. Short codes must be enabled to use mobile banking. Short codes are abbreviated phone numbers, usually five digits, used to send mobile banking messages.