Mobile Banking

Mobile Banking


At Bank of Cadiz & Trust Co. we keep banking simple for you.  That’s why we are now offering Mobile Banking so you can bank wherever you are and on your time.  Our new location is on your mobile phone.  Mobile Banking works with any cell phone that has internet capability and/or text messaging. 




Simply go to via your mobile phone’s web browser and click on the Mobile Banking Registration link.

Tip: Add to the home screen on your mobile phone for easy access.


Mobile Browser Features:

  •    View Online Banking formatted specifically for your mobile phone’s web browser
  •    Check balances and transfer funds
  •    View recent transactions
  •    View check images
  •    Find a Bank of Cadiz & Trust Co. location


Text Banking (SMS) Features:   

  •    Request balances
  •    Request transaction history (up to the last 4 transactions)
  •    Receive text message daily or monthly balance alerts
  •    Receive text message balance threshold alerts (Example: set up alerts if balance falls below $100)
  •    Requested information is sent to the phone in less than a minute


Text Banking Commands:

  •    Text to 662265
  •    BAL (returns balance for primary account)
  •    BAL ALL (returns balance for all accounts)
  •    BAL <alias>* (returns balance for specific account)
  •    ACT (returns last 4 transactions)
  •    ACT <alias>* (returns last 4 transactions for specific account)
  •    CMD (returns list of valid commands)
  •    HELP (returns general help information)
  •    STOP (terminates all SMS services)

      *Account Nickname




Need Help?

  •   Contact any of our locations:

         Cadiz 270-522-6066 | Hopkinsville 270-885-3211 | Murray 270-759-4852



Mobile Banking is a free electronic banking service provided by Bank of Cadiz & Trust Co. to enable our customers to view their current balance, transaction history and make fund transfers (between authorized accounts).  Standard internet service and text messaging rates may apply.  Check with your mobile service provider for details.  Mobile banking allows for text messaging (SMS), mobile browsing (smart phones/web browsing) and alerts (SMS or e-mail) right from your cell phone.

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Why use the Mobile Banking browser solution instead of browsing to the internet banking site?

The Mobile Banking browser based solution is more compact and easier to read on a variety of cell phone screens.  This simplified website is clear, concise and quick to download.


How much does this service cost?

Currently, the Bank of Cadiz & Trust Co. does not charge for this service.  However, there may be charges associated with text messaging and data usage on your mobile device.  Check with your mobile service carrier for more information. 


Is it secure?

A variety of technologies are used to protect user identities.  An account Alias or nickname is used to identify account rather than the account number. Our core processor uses a high 128-bit SSL encryption standard to securely protect your information from anyone trying to intercept or interrupt information transmitted from your mobile device.


Which wireless carriers are supported?

AT&T, T-Mobile, Verizon, Sprint, Nextel, Boost, Alltel, Virgin, Cellular South, Cellcom, nTelos, U.S. Cellular, Rural, East Kentucky Network, Immix


What type of phone is needed to use this service? Will this work on my mobile device or cellular phone? A cell phone is needed that can handle 128 bit encryption.  To use the browsing portion, the phone must have a web browser. 


Are there problems with using a pay as you go phone?

It depends on the service.  Check with your wireless carrier.


Do I need a text message or data plan with my wireless carrier?

Yes, a text messaging and/or data plan is typically needed, as data usage can become expensive even with plans if you exceed the limit provided by the plan.  Please check with your wireless carrier for more information.


Do I need to be enrolled in Internet Banking to enroll in Mobile Banking?




Can I use multiple devices to access Mobile Banking? Can a joint account holder have access through Mobile Banking?

Yes, multiple cell phone numbers can be enrolled for the same account number.

(Ex. A husband and wife can both have access to their joint account or a parent may have access to a joint account with a child.)

Each unique cell phone number must be individually enrolled in Mobile Banking.


Who do I contact if I have questions?

If you need help setting up your Mobile Banking or have questions about how to use it, please contact us at any our locations.  Our Customer Service Representatives are available:  Monday-Friday 8 a.m. to 4 p.m. CST, Saturday 8 a.m. to Noon in the Cadiz office and 9 a.m. to Noon in the Hopkinsville office.

Cadiz 270.522.6066 | Hopkinsville 270.885.3211 | Murray 270.759.4852


Can I access Bill Pay Online through Mobile Banking?

Currently our Mobile Banking does not give you access to pay bills online.





What is Mobile Banking? 
With our Mobile Banking you can check your account balances, view recent transactions and transfer funds between accounts.  In addition, you can setup automated text message alerts to be informed of your account balance daily or when it drops below a predefined dollar amount.


How do I register for Mobile Banking?

Simply go to via your mobile phone’s web browser and click on the Mobile Banking Registration link.


How do I access Mobile Banking on my phone’s browser?

Once you have enrolled for Mobile Banking, you can access Mobile Banking via your mobile phone’s web browser at Tip:  Set this site and add to the home screen on your mobile phone for easy access.


Is Mobile Banking supported on my phone or tablet?

Mobile Banking is supported on most all devices with a mobile web browser.  In addition, it is supported on most iPhone®, iPad® and Android™ devices.




What is text banking?

Text banking gives you access to your accounts via text (SMS) messages on your phone.  It’s a fast, easy way to look up account balances or recent account history by sending a text command to a short code.


What type of phone is needed for text banking?

To use the SMS (text messaging) portion, the phone must be capable of sending and receiving text messages.  Check with your wireless carrier to make sure your mobile device is text messaging enabled.


Where do I text my account inquiries?

Send your text message to the six-digit U.S. short code 662265. Tip: Add 662265 to your contact list for easy access.


How long should it take to receive a text message?

Typically, responses arrive in less than a minute, but timing may vary.


Will I receive unsolicited text messages?

No.  You will only receive messages when you specifically request them with one of the Text Banking commands.


How do I use Text Banking?

It’s simple, just follow these easy steps:

  1. Begin a new text message
  2. Enter the short code (662265) in the To field
  3. Enter a Text command in the message field. For example:  Bal = balance; Act = activity
  4. Click Send


What are the commands that can be used for text messaging?

Text to 662265




Returns Balance


All Balances

BAL <alias>    

Balance for specific account


Returns transactions

ACT <alias>     

Returns transactions for specific account


Returns list of valid commands and contact information


Terminates all SMS services


Is Text Banking case-sensitive?

No.  Commands can be sent as upper-case, lower-case or a mixture of both.


How do I unsubscribe from Text Banking?

Text the word “STOP” to the six-digit U.S. short code (662265) to unsubscribe.


Who do I contact if I need help with Text Banking?

Text the word “HELP” to the six-digit U.S. short code (662265) and you will receive a phone number to call during business hours. 


What is the maximum number of results I can receive for each inquiry?

With the SMS (text) portion, you can receive up to 4 results. Text messages have a maximum length of 160 characters.  It will return complete information until it reaches capacity.


Which balance is returned to my phone when I request this information?

This is the available balance that is displayed at the ATM.  The amount is what would be available for you to withdraw at the bank.


How do I set up to receive Alerts on my mobile phone?

In order to set up Alerts, you must enroll first.   Then after you have logged in with your new user name and password you can go to the “setup options” to set your alerts.


I sent a Text command but did not receive a text message. What should I do?

Typically you should receive a text message within a few minutes after you send it; however sometimes mobile carriers experience delays that slow down text message delivery.  While waiting, make sure your phone has a wireless signal.  In addition, be sure you entered the correct phone number on the enrollment site.  If you still do not receive it, contact your wireless carrier to be sure text messaging is enabled on your phone.




What happens if I lose service while making a transfer using Mobile Banking?

When a transfer is made, confirmation is given on the phone.  If signal is lost, wait until service is regained and log in to the bank’s Mobile Banking site with your mobile browser.  Recent transactions will be displayed within “transactions” when logged in to the site.  If this transaction was made in error, the option is given to reverse the transaction.


What if I lose my mobile device?

If your mobile device is stolen, notify your bank immediately.  You can also deactivate this account online.


What happens if I get a new phone or change phone numbers?

If you keep the same phone number no work is necessary by the bank.  Accounts are linked to the phone number, not the phone.  If the phone number changes, the new phone will need to be tied to the accounts.  The mobile browser functions will still be available to the user.