Home Locations Customer Support




Southern Heritage Bank is a division of FIRST CITIZENS NATIONAL BANK

Mobile FAQs


Q: How much does this service cost?
A: There is currently no charge associated with the service. However, there may be charges associated with text messaging and data usage on your phone. Check with your wireless phone carrier for more information.


Q: Is mobile banking secure?
A: Yes, the mobile banking service utilizes best practices from online banking, such as HTTPS, 128-bit SSL encryption, PIN, or password access and application time-out when your phone is not in use. Only the phones that you personally enroll in the service can access your accounts. In addition, no account data is ever stored on your phone. And in the event your phone is lost or stolen, the service can be immediately disabled by either going online to the mobile banking enrollment website or calling us.


Q: I’m not enrolled in online banking. Can I still use mobile banking?
A: You must first enable your bank account(s) for online banking before using mobile banking.


Q: How do I activate my phone?
A: Activation is a one-time process that helps ensure your security. Once you have an established OLB user ID and password, you can enroll in mobile banking directly from  your device by answering a series of Out-of-Wallet Authentication questions.


Q: How do I access mobile banking on my phone’s browser?
A: Visit www.FCNB.mobi to access mobile banking through your browser.


Q: How do I sign up for mobile banking?
A: Once you have an established OLB user ID and password, you can enroll in mobile banking directly from  your device by answering a series of Out-of-Wallet Authentication questions.


Q: I activated mobile banking on my phone’s browser. Why am I being asked to activate again?
A: At the time of activation, a "cookie" is stored on your phone’s browser which allows the mobile banking system to remember that you activated. Some phones may require you to enable cookies or periodically erase them, requiring re-activation. If you are experiencing this issue, check your phone settings to ensure that cookies are enabled. If enabled and the issue persists, consider using an alternative mobile web browser with strong cookie support.


Q: How do I optimize my mobile web experience?
A: Ensure your phone’s browser has cookies enabled. In addition, enable stylesheets for the best viewing experience.


Q: What is text banking?
A: 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 shortcode.


Q: Can I use both text banking and mobile banking on my phone?
A: Yes, you can use both options from the same phone. To do so you will need to activate each option on your phone prior to use.


Q: Is text banking supported on my phone?
A: Text banking will work on any text message (SMS) capable phone from one of our supported carriers.


Q: Will I receive unsolicited text messages?
A: No. You will only receive messages when you specifically request them with one of the text banking commands or if you subscribe to mobile alerts.


Q: What are the Text Banking commands?

Balance B Summary of available balances for all accounts
History H Summary of recent transactions per account
Command C List of available Text Banking commands
Help HE Help content for Text Banking
Login L Receive a URL for the FIS Mobile Browser website
Recover R Receive a URL and new activation code for the FIS Mobile Browser web site
Stop S De-activate all FIS text services


Q: I enrolled my phone number but did not receive a text message. What should I do?
A: Typically you should receive a text message within a few minutes after enrolling, however sometimes mobile carriers experience delays which slow down text message delivery. While waiting, make sure you phone has 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.


Q: I received an activation code but never used it. What do I do now?
A: Activation codes expire after a specific period of time (usually 12 hours). If you need a new one, return to the mobile banking enrollment site and request a new activation code.


Q: What happens if I get a new phone or change phone numbers?
A: If you get a new phone or change phone numbers, be sure to return to Mobile Banking website via your PC and update your phone profile in the Mobile Banking Center. We recommend removing your old phone and re-enrolling your new phone.


Q: Can I use mobile banking or text banking on more than one phone?
A: Yes. Visit the Mobile Banking Center and simply enroll (and then activate) another phone number.


Q: What if my device is lost or stolen?
A: If you are concerned about misuse of your phone, contact your mobile service provider immediately to stop all wireless service. Additionally, sign on to online banking and disable or remove your phone.

What our
customers say

I highly, highly recommend First Citizens. The service is just that GOOD.

– First Citizens National Bank customer