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Mobile Banking

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Mobile Banking - Now with Mobile Deposit

Access your accounts on your mobile device with Taylor Bank's Mobile Banking and:

  • View transaction history
  • View account balances
  • Transfer funds between accounts
  • Pay bills to existing payees
  • View locations/ATMs
  • View alerts
  • Mobile Deposit - Deposit checks directly from your iPhone, iPad or Android device
Mobile carrier fees for message and data plans may apply. Mobile Deposit applicants are subject to approval. How do I get Mobile Banking?

If you already use Online Banking and can successfully log in, accessing Mobile Banking is Easy! Just download the app to your device from your device's market (iTunes for Apple devices or Google Play for Android). Once the app is downloaded, log in using the same username and password that you use for Online Banking.

If you have not enrolled in Online Banking yet, or you would like to request Mobile Deposit, select the appropriate application below:

Mobile apps for your iPhone, iPad or Android phone

To download our app, click on the appropriate link below, from your phone, and follow the instructions to download the app to your phone.

If you don't have an Apple or Android device you can access the mobile web browser from your web enabled device.

If you would like assistance with Mobile Banking, please contact the Electronic Services Department at 410-641-1700.

Mobile Banking Security Tips

How Can I Make Mobile Banking Safer?

Taylor Bank's Mobile Banking is safe, but there are a few extra precautions you can take to further safeguard your personal and financial information:

Passcode your device. Set this passcode to enable automatically after a certain period of time.

Don't save your login information. This goes for your device, and any websites you visit. Log off completely after using the web browser or app.

Don't get phished. Don't click on links or attachments in text messages or email. These links may lead to malicious websites or downloads.

Create secure passwords. Avoid simple, common passwords, such as, your name, birth date, or other easily identifiable information. Change your password frequently.

Be cautious when downloading apps. Make sure apps are from known and reputable providers. Download apps from the official Web site of the bank or company that you are doing business with, or from a legitimate app store.

Treat your mobile device like a computer. Download recommended security updates, and a reputable antivirus software.

Do not use Public Wi-Fi to bank, shop, check email, or do other business. This can expose your user name or password over a public network. It's safer to use the mobile phone's network, which encrypts data as it is transmitted.

Mobile Banking FAQ

Q: What is Mobile Banking?
A: Mobile Banking is a system that allows customers of a financial institution to conduct financial transactions through a mobile device such as a mobile phone, or a computer tablet.

Q: Who can use Taylor Bank's Mobile banking?
A: Any customer who has an active Online Banking account with Taylor Bank can get mobile access.

Q: What type of phone must I have to use Mobile Banking?
A: Mobile Banking works with any web-enabled mobile device whose network allows secure SSL (Secure Socket Layer) traffic.

Q: Do I need to create a new password for Mobile Banking?
A: No. Your username and password are the same as your traditional Online Banking credentials.

Q: What functions can I perform from my mobile device?
A: Provided that your Taylor Bank has given you access, you can:

  • View transaction history
  • View account balances
  • Transfer funds between accounts
  • Pay bills to existing payees
  • View locations/ATMs
  • View alerts
  • Submit deposits via Mobile Deposit:* (Coming Soon)
  • Available only through the Taylor Bank App

Q: Is Mobile Banking secure?
A: Yes, Mobile banking is very secure. Your personal information is protected by advanced encryption technology to prevent unauthorized access, and by default, personal information is never stored on your device. Multi-factor authentication is also used, and at times may prompt you to answer your secret security questions.

Q: How do I enroll in Mobile Banking?
A: You can enroll in Mobile Banking through the Online Banking Options Tab, or download the app for your Android or Apple iPhone or iPad.

Q: I have downloaded the app, but I can't log in. Why?
A: To self-enroll through the app you must have previously logged into Online Banking successfully, and you cannot currently be in the middle of a password reset.

Q: What if I don't have an Android or Apple device?
A: If you have a smartphone other than Android or Apple, you may access the Mobile Web Browser here to get mobile access.

Q: What if I can't get my mobile device to work with Mobile Banking?
A: To use mobile banking, ensure your phone meets the following minimum requirements:

  1. Your mobile device must be web enabled.
  2. Your mobile network (Verizon, AT&T, T-Mobile, etc.) must allow secure SSL traffic. You may need to contact your mobile provider to determine this.

Q. What happens if I lose my mobile device?
A. Since your account data is not stored on your mobile device, your information cannot be stolen. If you change your phone number or provider when you replace your device, please update this information through your Online Banking, under the Options tab.

Q: What do I need to do if I get a new mobile device?
A: If you obtain a new mobile device and are using the same phone number and service provider, then no changes are necessary. If you switch service providers and/or phone numbers, log on to your Online Banking via your personal computer and update your Wireless Provider and/or Phone Number by clicking under the "Options" tab in your Mobile Settings. You will not receive text messages regarding Mobile Banking transactions if your phone number and carrier are not correct.

Q: Can I use any mobile device to access my accounts?
A: Yes. You can access your accounts via any mobile device that is web-enabled and allows secure SSL traffic. The only difference is that text messages are sent to the phone number entered when enrolling for mobile banking, not necessarily the device from which you perform a transaction.

Q: What if I no longer want to be a mobile user?
A: Log in to your Online Banking and select Options > Mobile Settings. Then deselect Activate Mobile Banking Access and click Agree.

Q: I have been prompted to answer my "secret" security questions while using my mobile device and I cannot remember the answers. What do I do?
A: You may be prompted at times to answer your "secret" security questions when using Online Banking and Mobile Banking. If you are unable to answer your "secret" security questions, you may contact the Electronic Services Department, during business hours, for assistance at 410-641-1700.

Q: Why can't I add a new Bill Payment payee?
A: Bill Payment functionality is limited to sending payments to already established payees. To add a new payee, log in to the Online Banking site, select Bill Payment, and add a new payee. You can then submit payments to that payee via your mobile device.

Q: How do I know if my transfer or bill payment was entered successfully?
A: If you selected to receive text alerts, each time you make a transfer or bill payment a confirmation Text Message is sent to your mobile device. If you do not receive a confirmation text message, double check to make sure the transaction went through via our traditional Online banking website.

Q: What happens if I lose communication/signal during a transaction?
A: When you complete a transaction from your mobile device (bill payment, funds transfer, etc.) you receive a text message as confirmation that the transaction was successful. If you do not receive this message, or you did not select text alerts during enrollment, check your accounts and re-submit any transactions that did not process.

Q: How do I delete a bill payment that I set up through my mobile device?
A: You must log in to Online Banking from a PC and delete the payment from the main menu of the Bill Pay module.

Q: When I try to enter an amount for a bill payment or transfer, I can't enter any numbers, only letters. Why?
A: Check your phone's settings to make sure you don't have alpha-only enabled on the keypad.

Q: How can I search for a transaction on my mobile device?
A: While there is not a search feature for transactions in Mobile Banking, however many transactions are set to be viewed in your Online Banking (7, 15, 30, All*) will be viewable. To change this setting you must log into your Online Banking. *The setting "All" generally displays 4-5 months of transactions.

Q: Do transfers through Mobile Banking count towards my 6 limited for savings account?
A: Yes. Any electronic, or in person transfer will count towards the 6 allotted.

Q: How can I make Mobile Banking as secure as possible?
A: There are many ways to enhance the security of Mobile Banking:

  • Passcode your device.
  • Create secure passwords.
  • Don't save your login info.
  • Be cautious downloading apps! Research before downloading.
  • Download a reputable Security/Anti-malware app.
  • Don't get phished! Links and attachments are the #1 reason for data breaches.
  • Don't do your Online Banking or other confidential business while connected to Public Wi-Fi / HotSpots

Q: In My Online Banking Mobile Settings I do not see an option for StraightTalk under "Select your wireless provider". What should I do?
A: Since StraightTalk operates via TracFone brand, which does not have their own network, they buy their minutes, data and text from multiple regional networks like AT&T, T-Mobile and Verizon. In order to select the correct carrier you should refer to your contract, or call StraightTalk's customer service.

Mobile Deposit FAQ

What are the requirements for Taylor Bank's Mobile Deposit?

  • You must be enrolled in Online Banking and Mobile Banking.
  • If you are already enrolled in Mobile Banking, complete an updated Electronic Services application requesting Mobile Deposit (must be approved).
  • Download the CBT mobile app which is available for iPhone, iPad, or Android devices.

Are there any fees to use Mobile Deposit?
We are pleased to offer Mobile Deposit service at no charge for consumers meeting all requirements. For Business customers (including Sole Proprietors), it's free for the first 60 days, then $9.95 per month.

Is electronically depositing checks safe and secure?
Yes, as a feature of Mobile Banking, it is very secure. Your personal information is protected by advanced encryption technology to prevent unauthorized access, and by default, personal information or check images are never stored on your device.

Are the check images stored on my phone?
No. All images are transferred immediately to our image processor and never stored on your mobile device.

How am I notified that my deposit has been made?
You will receive a "deposit notification" via email, with a reference number for your deposit.

When is the cutoff for making a deposit and receiving it into my account?

For deposits madeFunds are generally available
Before 4 pm Eastern Standard Time business daysOn the next business day after the day of your deposit
After 4 pm Eastern Standard Time business daysOn the 2nd business day after the day of your deposit
Non-business daysOn the 2nd business day after the day of your deposit
Business days are Monday through Friday except holidays.

Examples (using normal business days):
  • You use Mobile Deposit to make your deposit before 4 pm on Tuesday. Your funds will be available to you on Wednesday.
  • You use Mobile Deposit to make your deposit after 4 pm Tuesday. Your funds will be available to you on Thursday.
Examples (using non-business days):
  • You use Mobile Deposit to make your deposit anytime on Saturday or Sunday. Your funds will be available to you on Tuesday.
  • You use Mobile Deposit to make your deposit on Monday, Memorial Day. Your funds will be available to you on Wednesday.

I used Mobile Deposit to make a deposit, but why doesn't my balance reflect it?
Mobile Deposit works differently as it does not show "pending" deposits, so your account balance will not change until your funds are available to you as outlined above. You may review your mobile deposits under "Review Deposits" in your mobile banking until they are available.

What should I do with paper checks once I have deposited them electronically?

  • Write "Mobile deposit on mm/dd/yyyy" on the front of your check. (to prevent mistakenly re-depositing the checks). Do not write "VOID".
  • Store the deposited checks securely for 14 days. After that, the checks should be shredded and disposed of properly to prevent identity theft or misuse.

What types of checks can I deposit via Mobile Deposit?
The following check types can be submitted using Mobile Check Deposit:

  • Personal checks payable to you
  • Business checks payable to you
  • Checks drawn from a United States bank, in U.S. Dollars
The following check types should not be submitted using Mobile Check Deposit:
  • Traveler's checks
  • Savings bonds
  • Money orders
  • Federal government checks
  • Foreign checks
  • Checks payable to any person or entity other than you
  • Stale-dated checks

Do I still need to endorse the deposited checks?
Yes, electronically deposited checks still require proper endorsements on the back of the check.

How many checks per day can I deposit?
Depending on your account type below there are limits for the number of checks per day and month and the dollar amount:

Mobile Deposit Limits

Account TypeDaily limitMonthly limitFee
$ Amount# Eligible Items$ Amount# Eligible Items
Consumer$2,500.00Five (5)$5,000.00Ten (10)FREE
Business (Includes Sole Prop.)$5,000.00Ten (10)$25,000.00Twenty (20)Free first 60 days, then $9.95 per month

What is the best way to ensure the check image passes the image quality check?

  • Taking high-quality photos of your check is the best way to ensure your mobile deposit uploaded successfully
  • Make sure there is good lighting where you take the photo of your check and make sure your camera lens is clean
  • Place the check on a dark surface
  • Make sure the check is clearly visible - no other objects interfere and all 4 corners of the check are within the defined area
  • Be sure your camera has a chance to focus on the image- being too close can make the check image blurry
  • Keep your phone flat and steady above the check when taking your photos
  • The signature on the check must not go into the MICR line on the bottom of the check