Mobile Banking FAQs

Mobile banking with us gives you absolute convenience of banking anywhere, at any time. If you are a NetBanking† customer and have cell phone reception, you can check your account balances, view recent transactions, transfer money between accounts – all from the palm of your hand!

The following frequently asked questions will provide the help you need to get started and well on your way to enjoying all the benefits mobile banking provides.

How do I enroll in mobile banking?
You can enroll to use WestStar Bank’s mobile banking services by following the steps below. Once enrolled, you will be able to use your existing NetBanking user ID and password on our mobile banking site.

To enroll in mobile banking:
1. From the NetBanking menu, choose Preferences > Mobile. The Mobile Preferences page will appear.
2. Select the “Yes, enable my user ID and password for use on my mobile device” check box.
3. Enter an email address and click “Send”. You will receive an email with the mobile banking URL.

If you're not yet enrolled in NetBanking, visit our NetBanking webpage for more information.

Do I need to have a NetBanking profile to use mobile banking?
Yes. At this time, you are required to have a NetBanking profile to enroll in mobile banking.

Will anything need to be installed on my cell phone?
If you are using an iPhone® or iPad®, you can download the mobile banking app from the iTunes store. For Android™ device users, you can download the app from Google Play. Blackberry® users can utilize our mobile banking website If you have a texting plan with your mobile carrier, you can utilize the SMS text banking. For your convenience, we've provided quick links below to the different apps.

Android™ Device App
iPhone® / iPad® App

How do I use mobile banking over the mobile web?
Once enrolled, simply visit  from your cell phone's web browser. Once you've successfully logged in, you will see your current account balances. From the main menu, you can select other actions, such as viewing transactions, transferring funds, or paying bills. We would also recommend saving the website to your phone's bookmarks, just as you would on your computer.

Will mobile banking work with my cell phone?
Mobile banking works with virtually all modern cell phones. Depending on your phone's capabilities and your service plan, you can choose between mobile web banking and text banking. With mobile web banking, you use a web browser similar to your desktop computer to easily navigate through your options. With text banking, you send text messages with actions such as "BALANCE" and "TRANSFER" to manage your accounts.

How do I use mobile banking with text messaging?
Once enrolled in mobile banking, go to Preferences> Mobile> and select the Text Enrollment tab. Check the box “Enable and authorize text banking on the below mobile device (message and data rates may apply)” to enable and authorize the use of your online banking accounts to access Text Banking services. Then, enter the mobile phone number you would like to use for Text Banking in the “SMS Text Number” field.

To use Text Banking, send any of the commands below to 226563 (BANKME). For easier access and added security, add this code to your contacts.

Text CommandAction
BAL Receive available balances for all linked accounts
BAL <account nickname> (For example: BAL Bob) Receive account balance for a specific account
HIST <account nickname> (For example: HIST Bob) Receive account history
XFER <account nickname> <to account nickname> <amount> Transfer money from one specified account to another account
LIST Receive a list of available text commands
STOP Stop all text messages to mobile device

NOTE: Text messaging commands are not case sensitive. For example, "xFEr" is the same as "XFER" or "xfer".

How can I opt out of Text Banking?
To opt-out of Text Banking, text STOP to 226563. An unsubscribe message will be sent to your number confirming the cancellation, but no additional messages will be sent thereafter.

What if I change my mobile phone number and I use Text Banking?
If your mobile phone number changes, simply go to Preferences> Mobile> and select the Text Enrollment tab. Check the box “Enable and authorize text banking on the below mobile device (message and data rates may apply)” to enable Text Banking services access. Then, enter the mobile phone number you would like to use for Text Banking in the “SMS Text Number” field.

How much does mobile banking cost?
We offer mobile banking as a free service to our customers. However, your mobile carrier may charge for data usage, web access, and/or text messages. We recommend contacting your provider for details on specific fees and charges associated with your service plan.

What if I upgrade my phone?
As long as you don't change your phone number, changes within your mobile banking profile won't be necessary.

Sometimes I'm in a cell phone dead spot; for example, when I'm travelling. Can I still access my mobile banking?
Whenever you are in an area with poor coverage, we recommend using text banking. Text messaging is designed to be lightweight and can be transmitted even with poor reception. At the same time, text banking will always respond with a confirmation message, so you can be assured that your transaction processed successfully.

How long does a mobile banking transfer take before posting to my accounts?
When transferring between accounts on mobile banking, the transfer should post to your account by the time you receive the confirmation message back from the system. This typically takes 10-60 seconds depending on several factors, such as your wireless reception. Transfers processed during downtime will post once downtime is finished.

How do I know that mobile banking is secure?
Mobile banking utilizes similar encryption technologies as NetBanking to ensure that all transactions are secure. For instance, on the mobile web, you will be required to log in using your NetBanking login and password. At the same time, mobile banking does not transmit confidential data, such as full account numbers.

What should I do if I lose my cell phone?
In the event your mobile phone is either lost or stolen, report it immediately to your mobile carrier. Although no confidential information is stored on your cell phone, you can immediately disable your mobile banking access at any time. Simply log into your NetBanking profile from any computer, go to Preferences> Mobile>, and then unmark the box for "Yes, enable my user ID and password for use on my mobile device” on the Mobile Enrollment tab. If you have enabled Text Banking, go to the Text Banking tab, and mark the circle next to “Opt out and disable text banking”. These actions will allow you to disable your mobile access until you receive a replacement phone.

Who do I call if I have a mobile banking problem or question?
Please call us at (915) 532-1000 and we will resolve the problem as quickly as possible.

†Businesses using Cash Manager may not have access to all of the products and services. Please contact your account representative or call (915) 532-1000.

Top 10 Practical Cybersecurity Strategies for Businesses
In 2011, 72% of data breach cases affected businesses with 100 employees...


Heartbleed Bug: FAQs
What it is and what you need to know to stay safe....