At Bank of Cadiz & Trust Co. we keep banking simple for you. That’s why we offer Mobile Banking so you can bank wherever you are and on your time. Our Mobile App is available for iPhone ® and Android® phones. With just a few taps on your mobile device¹, you can check balances, make transfers, mobile check deposit². In order to use our mobile app you must be enrolled in Online Banking. Our Mobile Banking also lets you do text banking.
Please see our Mobile Privacy Disclosure
For iPhone® and Android® Phones¹
You must be enrolled in Online Banking to sign in to the app.
How to Download:
Go to Apple App Store or Google Play Store and search for “Bank of Cadiz”.
If you do not have an iPhone® or Android® Phone, you can access the mobile browser application site at any time. Click below:
Features:
No need to drive to the bank when you want to deposit a check. Mobile Check Deposit ² is a convenient, easy way to deposit checks from your mobile device into one of your accounts. With the Bank of Cadiz & Trust Co. Mobile app on your iPhone or device utilizing the Android device, you can take a photo of your check, enter the check information and securely submit your deposit for processing.
Mobile Check Deposit Process:
In the app click on Check Deposit. Before you begin, properly endorse your check with your signature. The endorsement should read: Mobile Check Deposit and check mark the box for Mobile Deposit if printed on your check. For additional information about Mobile Check Deposit click here . Mobile Deposit Limit is $2,500 per day. Mobile Check Deposit time cutoff time is 3:00pm CST.
Select either “Front” or “Back” camera icon to take a photo of your check. Align the check image with the camera viewfinder frame. Be sure to take a photo of the check side that matches the helper text: “Front” or “Back” in the viewfinder. Tap the camera icon in the viewfinder to take the picture. If the preview looks correct, select the “check mark” button. If not, simply tap the “Redo” button and try again. In the “Amount” field, enter the amount of the check you are depositing. Be sure it matches the amount on the check. Tap the “Deposit” To” field to select a deposit eligible account. After all the required fields are completed, the “Continue” button will appear enabled. Enter your email address in the “Email Receipt” field if you would like to receive an email receipt of your deposit request. Review your entries and select the “Continue” button. Select the “Approve” button to finalize your deposit request.
Text Banking³ 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.
How to enroll: You must log in to Online Banking, select the Mobile Management link under the User Services tab, and follow the instructions to retrieve an activation code. The activation code will be required to begin using SMS text banking on your device.
Text to Shortcode: 96865
Need Help?
Contact any of our locations :
Cadiz: 270.522.6066 | Hopkinsville: 270.885.3211 | Murray: 270.759.4852
¹Message and data rates may apply. ²Mobile Check Deposit is available for iPhone® and Android® devices that have the Mobile Check Deposit feature. The feature requires a device with an auto-focus phone camera. Mobile Check Deposit fee is $1.00 per deposit. Apple, the Apple logo and iPhone® are trademarks of Apple Inc. registered in the US and other countries. App store is a service mark of Apple Inc.. Android®, Google Play and the Google Play logo are trademarks of Google Inc. ³Mobile Banking allows for text messaging (SMS). Message and data rates may apply. Check with your mobile service provider for details.
Online Banking offers the flexibility needed in today’s society. This allows you, our customer, to perform banking tasks and responsibilities at your convenience 24/7 from anywhere you choose that has access internet access. This gives you the liberty of accomplishing your banking on your own schedule. Our online services include:
Start saving time and money today and enroll now for Internet Banking! It’s easy, secure and there’s no software to install on your computer. Enrolling for our online banking is easy! Just click on the Login button and select either “Personal Enroll ” or “Business Enroll ” to start the process. Once the agreement is made to enroll, simply fill in your enrollment information, submit to the bank, then you will be notified with a confirmation. It’s that simple! NOTE: Please review Bank of Cadiz & Trust Co., Privacy Statement before agreeing to enroll in the online banking services.
Call 270.522.0399
Telephone Banking gives you immediate access to the information you need most often, 24/7 from any phone. With telephone banking you can quickly and easily:
Get your checking & savings statements online. Receive your statements faster than mailed statements and eliminate the need to store paper statements. You can view, save and print each month’s statement.
There are 2 ways to receive e-Statements:
If you are interested in enrolling in e-Statements you can contact us at any of our locations or complete our eServices enrollment form .
eNotices
Many notices that you receive in the mail can be set up as eNotices such as notices for Certificates of Deposit or Loan Notices. Receive your notices faster than mailed to know when your Certificate of Deposit is maturing or a monthly/annual IRA statement. You can receive eNotices for loans monthly when a payment is coming due or your loan is maturing.
If you are interested in enrolling in e-Notices you can contact us at any our locations or complete our eServices enrollment form
Enroll in eStatements and get your checking and savings statements online. Receive your statements faster than mailed statements and eliminate the need to store paper statements. You can view, save and print each month’s statement.
Enroll in e-Notices for Certificates of Deposit/IRA and Loans to receive by email. Receive your notices faster than mailed to know when your Certificate of Deposit is maturing or a monthly/annual IRA statement. You can receive eNotices for loans monthly when a payment is coming due or when your loan is maturing.
IF USING THIS FORM, PLEASE DO NOT INCLUDE ANY CONFIDENTIAL INFORMATION SUCH AS ACCOUNT OR SOCIAL SECURITY NUMBERS.
BANK OF CADIZ & TRUST CO.
FREQUENTLY ASKED QUESTIONS:
Below are some of the most popular questions. For a complete list of FAQs log in to Online Banking and click on User Services and click on the Mobile Management Link.
Our mobile banking service allows our customers that are enrolled in Online Banking to access their eligible accounts from a mobile device. You can check account balances, make transfers between accounts, review transaction history, mobile check deposit, and text banking.
First if you are a current Online Banking customer you will use the same login credentials to access Mobile Banking. If you are not an Online Banking customer then you will need to enroll.
You can download our free mobile app for iPhone or Android devices.
You can access all the accounts you currently view in Online Banking. (i.e. checking, savings, certificates of deposit, IRAs, loans and cash reserve.
Mobile Banking is more compact and easier and quick to download. Additional advantages include mobile check deposit and text banking.
Fees from your mobile or data carrier may apply. You should contact your mobile provider for information about fees associated with sending or receiving text messages or accessing the internet from your mobile device. Bank of Cadiz & Trust Co. charges a fee for sending deposits through Mobile Banking. The charge is $1.00 for each deposit.
We support all the popular US wireless phone carriers, including AT&T, Sprint, T-Mobile and Verizon. If your carrier is not listed when you enroll, you can select “Other” or check back later as new carriers will be added over time.
Yes, the Mobile Banking service utilizes best practices from online banking, such as HTTPS, 256-bit SSL encryption, or password access and application time-out when your phone is not in use. In addition, no account data is ever stored on your device. And in the event your device is lost or stolen, the service can be immediately disabled by either going online to the Mobile Management website or calling us.
What type of mobile device is needed to use this service? The app is available for all iPhones and Android devices. Mobile banking is also supported on most phones with a mobile web browser that supports cookies.
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. (Ex. A husband and wife can both have access to their joint account or a parent may have access to a joint account with a child.)
If you need help setting up your Mobile Banking or have questions about how to use it, please contact us at any of our locations. Our Customer Service Representatives are available:
Monday-Thursday: 8AM – 4PM CST & Fridays until 5:30PM.
Saturday: 8AM- 12PM (Cadiz Lakota Drive office | 270.522.0450)
9AM -12PM (Hopkinsville office | 270.885.3211)
Cadiz Main 270.522.6066 | Hopkinsville 270.885.3211 | Murray 270.759.4852
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 designated phone number.
Text Banking will work on any text message (SMS) capable phone from one of our supported carriers. Please check with your wireless carrier to make sure your mobile device is text messaging enabled.
Send your text message to 410.807.3234.
Tip: Add 410.807.3234 to your contact list for easy access.
Typically, responses arrive in less than a minute, but timing may vary.
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.
The enrollment process for SMS text banking requires you to log in to online banking, select the Text Banking link under Services and Settings and follow the instructions to retrieve an activation code. The activation code will be required to begin using SMS text banking on your device.
It’s simple, just follow these easy steps:
Text to 410.807.3234
Commands
No. Commands can be sent as upper-case, lower-case or a mixture of both.
Text “S” to 410.807.3234 to stop all text services.
Text “HE” to 410.807.3234 and you will receive a phone number to call during business hours.
This is the available balance that is displayed at the ATM. The amount is what would be available for you to withdraw at the bank.
With the text (SMS) portion, you will receive 3 results and click on M for more. The maximum amount of history returned is 90 days.
Our Online Banking includes alerts via email or text alerts. You will setup your alerts in the desktop Online Banking.
Typically you should receive a text message within a few minutes after you send it; however sometimes mobile carriers experience delays that slow down text message delivery. While waiting, make sure your phone has a 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.
Mobile Check Deposit is a convenient, easy way to deposit checks from your mobile device into one of your accounts. With the Mobile Banking App on your iPhone, or device utilizing the Android operating system, you can take a photo of your check, enter the check information and securely submit your deposit for processing.
Bank of Cadiz & Trust Co. charges $1.00 per deposit sent by mobile device. There may be charges associated with text messaging and data usage on your device. Check with your wireless carrier for more information.
Checking and savings accounts are eligible for Mobile Check Deposit.
Only devices that have an auto focus camera are supported for Mobile Check Deposit. If you do not see a “Check Deposit” option in your global navigation menu, your device likely does not have a camera with auto focus. You can utilize the Mobile Check Deposit in the browser.
The deposit limit per day for each customer is $2,500.
Mobile Check Deposit cutoff time is 3:00pm CST. It will not be available to be used at the time of deposit. The deposit will be available on the next business day. The funds availability for mobile deposits will be treated the same as other deposits; see deposit agreement.
After successfully submitting a Mobile Check Deposit, it is advisable that you retain the original check for 30 Days.
When a transfer is made, confirmation is given on the phone. If signal is lost, wait until service is regained and log back in to confirm.
If your mobile device is lost or stolen, notify your bank immediately. You can also sign into Online Banking and disable or remove your device from the Mobile Management link under the User Services tab.
If you get a new mobile device or change phone numbers, be sure to return to the Mobile Management site in Online Banking and update your mobile device profile. We recommend removing your old device and re-enrolling your new device.