Mobile Banking FAQs


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.
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.
We support all the popular US wireless phone carriers, including AT&T, Sprint, T-Mobile, Bellsouth, Verizon and many more.
Yes, a text messaging and/or data plan is typically needed, as data usage can become expensive without them. Please check with your wireless carrier for more information.
Yes. You can enroll for Mobile Banking by downloading the app on your mobile device and following the guided enrollment process.

Mobile Banking

Mobile banking gives you access to your accounts from your mobile web browser or a downloadable mobile banking application, depending on your preference and your phone capabilities. Both options allow you to: view account balances, search recent account activity, transfer funds, and find nearest ATM or branch locations.
You can visit the site at any time at or download the Planters and Citizens mobile app through your app store or google playstore depending on the type mobile device you currently obtain.
Sign in to Online Banking on your computer and choose the Mobile Banking option. Enroll your mobile phone and follow the activation instructions or download the Planters and Citizens Mobile app and follow the enrollment process.
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. The cookie is only visible by the Mobile Banking system and does not contain personal information. Some phones may require you to enable cookies or periodically erase them, requiring reactivation. If you are experiencing this issue, check your phone settings to ensure that cookies are enabled. If cookies are enabled and the issue persists, please contact your mobile network carrier for cookie support information on your mobile phone.
We recommend 4 steps for an optimal experience: 1) Ensure your phone’s browser has cookies enabled. 2) Enable stylesheets on your browser. 3) Bookmark our Mobile Banking site. 4) Download the Planters and Citizens Mobile app and according to your mobile devices capabilities you can easily access your accounts by taking advantage of your mobile device’s fingerprint capability or face recognition features as a secure way to enter into your mobile app.
Mobile Banking is supported on most phones with a mobile web browser that supports cookies. In addition, the mobile application is available on many smartphones including: iPhone and Android. Both mobile web and mobile applications can be found by entering the mobile web URL ( in your phone’s browser.
A tablet-optimized Mobile Banking application is available for the iPad.

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 shortcode. You are able to sign up for Text Banking in the Mobile Banking Tab while signing up for the Web Mobile App in your online banking at
All text messages should be sent to 89549
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.
Text Banking will work on any text message (SMS) capable phone from one of our supported carriers.
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.
Balance Bal Summary of available balances for all accounts
Bal Mobile Short Name Custom Mobile Short Name (custom)=Single Acct Bal
History Hist All account recent activity
Hist Mobile Short Name Custom Single account (custom) recent activity
Help Help Help content for Text Banking = Commands
Stop-Cancel Stop De-activate all Planters and Citizens Bank text services


If you get a new mobile device or change phone numbers, be sure to return to Mobile Banking website via your PC and update your mobile device profile in the Mobile Banking Tab. We recommend removing your old device and re-enrolling your new device.
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.
Yes. You must re-enroll into mobile banking after you purchase a new phone. Sign in to Online Banking on your computer and under Mobile Banking Tab to change your phone number and/or Select your wireless provider as well as select which accounts you would like to view on your mobile app. Enroll your mobile phone and follow the activation instructions.
Yes. We require that users reset their online banking password every 90 days. If you do not reset your online banking password as required you will be unable to perform mobile banking functions.