USE Credit Union

Text Message Banking

If You've Got A Text-Friendly Phone, We're Your Type!

Mobile devices allow us to communicate in a variety of ways. That's why we continue to update our Text Banking (SMS) platform to ensure it's there when you need it. Although Text Banking has been around for years, many people continue to use it as a quick and easy way to manage their accounts.

Enabling Text Banking
You can enroll up to two mobile phones per USE account. Here's how:

  1. Enroll in Online Banking (or log into your account)
  2. Click on the "Additional Services" tab
  3. Alick on the "Mobile Banking and Alerts" link
  4. Click "Activate" and follow the easy set-up instructions

Text Banking Commands
Simply text one of these basic commands to 454545 using your phone's keypad:

    BAL = Primary account balance
    BAL ALL = All account balances
    BAL CHK = Checking account balances
    BAL SAV = Saving account balances
    LAST = Last 5 transactions
    STOP = Deactivate service
    TRANS = Transfer
    HELP = Help on keywords


Security Information and Tips
When you use a mobile device account access, keep the following information and tips in mind:

  • To ensure the security and privacy of your account - you can only enroll in Text Message / SMS Banking while logged into your Online Banking account. You will then receive a unique code sent only to the device registered.
  • Texts received through USE’s Text Message / SMS Banking will NEVER contain any sensitive information such as user IDs, passwords, or complete account numbers. 
  • To keep others from accessing any information in your phone use the “keypad lock” or “phone lock” function on your mobile device when it is not in use.
  • Frequently delete text messages with sensitive information, especially before loaning out, discarding, or selling your mobile device.
  • Never send confidential information such as user IDs, passwords, or complete account numbers via Text Message.

Although USE offers Text Message / SMS Banking as a free service, you may be charged access rates depending on your carrier. Check with your service provider for details on specific fees and charges. Standard text messaging charges apply.


Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government BBB Equal Housing Opportunity MasterCard SecureCode Sprint Credit Union Service Centers
ABA Routing Number: 322281691
© 2018 USE Credit Union