Frequently Asked Questions about the mobile banking app

Click on any section below to learn more about mobile banking from Homestead Bank.

  •  Mobile Banking Basics

    Q: What is the mobile banking app?

    A: The mobile banking app lets you access and manage your bank, bill pay and credit card accounts at the speed of life. That means you can pay bills, view transactions and transfer money from anywhere at any time.

    Q: Why should I use the mobile banking app?

    A: The app gives you the ultimate freedom and flexibility to keep up with your busy life. When you have the mobile banking app, you can:

    • Make bill payments anywhere. View all your upcoming bills, make payments and access your payment history.
    • View transactions anytime. Get an up-to-the-minute view of your cash flow and finances in real time from your dashboard.
    • Make transfers anyplace. Now you can securely move money between your accounts at Homestead Bank.

    Q: How does it work?

    A: The mobile banking app converges your financial accounts into one simplified app that can be securely accessed at anytime, anywhere. This provides you with real time access to your bill pay account, bank accounts and credit card accounts.

    Q: How does the app identify my upcoming bills?

    A: The mobile banking app uses something called "predictive modeling." This analyzes recurring transactions and payment patterns to identify upcoming bills. As a result, you get a holistic view of your past and future transactions.

  •  Additional Features

    Q: What else can I do with the mobile banking app beyond the basics?

    A: The app has several additional features that will keep you on top of your finances. With the mobile banking app you can:

    • Set up payment alerts to let you know when a payment is due
    • Set up balance alerts to let you know when your account balance hits a certain limit
    • See your balance history in a graph that shows your transactions
    • Tag transactions to make it easy to search and locate your purchases
    • Locate the closest branch or ATM for Homestead Bank

  •  How to Use the App

    Q: How do I make a payment?

    1. Select "My Bills" to see a full list of upcoming bills
    2. Select the bill you want to pay
    3. Click "Schedule a bill payment" and choose from the list of payees pulled from your online bill pay account
    4. Complete payment information and select "Submit"

    Q: How do I add a payee?

    1. First, you will need to add your payee from your online bill pay account
    2. Once the payee is set up in online bill pay, it will show up in your mobile banking app
    3. Now you can schedule a payment to the payee using your app

    Q: How do I tag a transaction?

    1. Select "Transactions" and touch the transaction you want to tag
    2. Select "Add a tag"
    3. Create your tag and select "Save"

    Q: How do I add my credit card account to my app?

    1. Select "Accounts"
    2. Select the "+" icon
    3. Start typing the credit card institution name in the "Search" box
    4. Select your institution from the list
    5. Enter your login credentials to add the account

    Q: How do I transfer money between accounts?

    1. Click the "More" tab
    2. Select "From" and "To" account
    3. Review and submit

    Q: How can I use my app to find the nearest Homestead Bank branch or ATM?

    A: Select the "Contact & Locations" link on your mobile banking dashboard screen.

    Q: How will I know when updated versions of the app are available?

    A: Once you've downloaded the app, you'll be automatically notified of new versions when they become available.

  •  Security and Privacy

    Q: How secure is this app?

    A: The mobile banking app is extremely secure. We use a variety of methods to ensure that all data is stored securely in our U.S.-based, world-class Tier-3 data centers. In fact, you can rely on the same security measures that we use for online banking. All of our services are "N+1 redundant," which gives you a deeper layer of protection and continuous reliable service. This includes facilities, networking equipment and the servers that host our app. In addition, our data retention and business continuity plans are comprehensive and our employees maintain organization security measures designed to keep your data safe. You should also know that at no time do we share your information with a third party or another financial institution.

    Q: How can I prevent others from using the mobile banking app on my phone?

    A: Upon initial setup, you will be asked to create a four-digit passcode. This passcode will be required each time you launch the app and can be changed in the app's settings. Please keep your passcode private for your protection.

    Q: Who will see my bank information?

    A: Only you will see your bank information. Your information is never shared with a third party or another financial institution.

    Q: Is this app safe to use over Wi-Fi?

    A: Yes, the use of the mobile banking app over Wi-Fi is no different than using it on your phone's data connection. All data is sent over an encrypted Secure Socket Layer (SSL) connection.

    Q: What happens if I lose my phone?

    A: We can remotely wipe the mobile banking app to ensure your data is cleared from the phone. Please contact us for assistance if your phone is lost or stolen and you would like to initiate a remote wipe.

    Q: What happens if I change my password in online banking?

    A: If you update or change your online banking password, you will be asked to re-authenticate your identity within the mobile banking app. After successful re-authentication, you may continue app usage.

  •  Get Started

    Q: How do I download the mobile banking app?

    A: Download the app on the App Store or Google Play.

    Q: How do I start using my app?

    A: Follow these simple steps:

    1. Touch the app icon on your home screen.
    2. Follow the on-screen guide by logging in with your online banking password. These are the same credentials you use when logging in to online banking on our website.
    3. For additional security, you will also be asked to create a four-digit passcode. The passcode will be required each time you launch the app.

    If you cannot remember your login information or the answer to your challenge question, please contact us for assistance.

    Q: Are there any requirements to use the app?

    A: In order to use the mobile banking app:

    • You must be enrolled in online banking at Homestead Bank.
    • You must have: Apple iPhone® with iOS 5.0 or above or Android 2.1 or above.

Start using mobile banking

© 2013 Homestead Bank • www.homesteadbank.com866-305-1014

These are general information answers regarding mobile banking. Specific details regarding the app are available on our website.