Register Using Your Cell Phone

To register for the service using your cell phone the first thing you must do is request the service by sending a text message containing the word 'start' to 42265.

We will then send you a text message within 60 seconds of receiving your request.

This message should arrive in your Message Inbox or Web Services Inbox (for help on your phone see our Cell Phone Help). Standard SMS fees from your wireless carrier may apply.

When you open this message, your cell phone will connect to the wireless network and you can then follow the instructions on your cell phone to download the service.

You may be charged by your wireless carrier at their standard data rate for the download of the service.

Additional Information

If your cell phone or wireless carrier is not compatible with the service then you will be informed via a text message. To use our service you may need to upgrade to one of the very wide range of phones and carriers that we support.

• Is my wireless carrier participating?
• Will it work on my cell phone?

If you need to re-request the download of the mobile banking application, then text 'start' to 42265. This will restart the registration from the beginning.

You may be charged by your wireless carrier at their standard text message and data rates for the download of the mobile banking application.

To open the service, begin by selecting it from your cell phone's application or games menu.

When you first use the service it will run a one-time process to set-up a secure connection. This will take approximately 60 seconds and produces a unique code which will be used to ensure all future connections are completely secure.

After completing the one-time security process your cell phone will connect to the service (this may take a couple of seconds).

Additional Information

Links:

• Cell Phone Help

In order to use the Monitise service you must be over 18 years old and you must accept Monitise Terms and Conditions and Software License.

You will be asked a question about how Monitise Americas can use your personal information.

1. Yes, it is OK for Monitise Americas to use your personal data to provide you with service updates.

Who are Monitise Americas

Monitise Americas provide the Monitise service to you.

You should also read our Privacy Policy to make sure you understand how we use and protect your personal data.

When you first use the service you will need to select a passcode.

The passcode is your personal number which is used to access the service. You MUST keep this number secret at all times.

You will need to use the passcode every time you want to use the service.

The passcode should be:

• A number between 5 and 8 digits long.
• Something that is difficult to guess that is not easy for others to identify you with (i.e. don't use your pet's name or your favorite vacation spot)
• Secret to you.

The passcode cannot:

• Be a series of ascending digits e.g. 12345.
• Be a series of descending digits e.g. 54321.
• Have a single digit make up more than half of the passcode e.g. 88823.

We recommend that you do not use obvious dates, such as your date of birth, as these are easy to guess.

We use your Debit/ATM or Prepaid card in order to access your account details for banking services, such as balance inquiries. This is very similar to using your card in a cash machine or ATM machine.

You will need to add a card in order to use the service.

You will need to enter the requested information from your card and the card holder's address. This must be the address that is registered for that card. You will also be asked for a nickname for the card, e.g. Checking Account. This nickname is used to refer to the card within the service.

When you have entered all the card details you will be asked to confirm them. Once you are sure that all the details are correct then you can either add another card or continue.

You can add up to 10 cards to the service.

Note: you don't have to enter all your cards now. You can add cards at any time; see Add a Card for more details.

Now we will validate all of your details with your financial institution. We will validate all of the personal information that you have provided to us.

Once we have validated your personal information we will perform a double deposit to your account where the two amounts become your Card Activation Number. You should receive these deposits the same day of your registration.

The Card Activation Number is a one-time password that is used to activate your cards for use with our service.

To enter the Card Activation Number you will need to:

1. Start the service.
2. Enter your Passcode.
3. Select the card (see Step 9).

Additional Information

To open the service, you can begin by selecting it from your cell phone application or games menu.

Additional Information

When you first use the service it will run a one-time process to set-up a secure connection. This will take approximately 60 seconds and produces a unique code which will be used to ensure all future connections are completely secure.

After completing the one-off security process your cell phone will connect to the service (this may take a couple of seconds).

If your cell phone fails to complete the security process successfully then you will need to delete the service from your cell phone and download it again (see the Cell Phone Help).

Links:

• Cell Phone Help

The list of cards that you have added will now be displayed on your cell phone. All cards need to be 'activated' before they can be used with the service.

Any card that has not been activated will be marked with an asterisk (*).

Select the card that you wish to activate from the list.

Select the 'Activate Card' option and enter the Card Activation Number which is the two amounts that where deposited to your account.

You are now able to use the service with these cards.

You can exit from the application by selecting Exit. The application will exit automatically if unused for more than two minutes.

Additional Information

If you don't receive the double deposit within two days then you can request a new Card Activation Number.

For security reasons if you enter the Card Activation Number incorrectly five times then we will delete all cards associated with that Card Activation Number. If this happens then you will need to add the cards again if you want to use them with the service.

If you added cards from more than one financial institution, you will receive a different Card Activation Number from each financial institution.