You live an on-the-go lifestyle. Some days, you don't even have time to get to the computer. For those days, there's Mobile Banking. Now you can access your accounts right from your mobile device.
Access Your Accounts Anytime, Anywhere
With our mobile website and our Android and iOS apps, you can handle most banking transactions from your mobile device, no matter where you are. Our Mobile Banking systems are designed to adapt to your device, even while handling your banking needs like transferring money, paying bills, finding the nearest ATM and accessing your account history. You can even view up to seven years of Online Statements for your checking, savings and loans accounts, and up to 18 months of transaction history — all from your phone.
Fast and Easy to Use
We know convenience and security are top priorities for your mobile banking. We've designed our mobile site and iOS and Adroid apps for speed and easy access to what you need, when you need it. Plus, our mobile app is compatible with Android Fingerprint Login and iOS Touch ID and Face ID, making your experience secure and simple.
Adaptable to any Device
Our website is designed to work on any device. Whether you're using a smartphone, tablet, laptop or something else entirely, you'll be able to access your accounts as clearly as you can on a desktop or at the ATM.
Handles All Your Banking Needs
With Mobile Banking, you can access your balance information, view transaction history, transfer money, pay your bills and send messages to customer service, all from your mobile device. Before traveling, you can send us a travel notification in online or mobile banking to prevent any interruption of your debit card or ATM card usage. And with our app, you can also deposit checks into your account using the built-in camera.
Frequently Asked Questions
Got questions? We've got answers. And, if you don't find what you're looking for, sign in to Online Banking and visit our Actions and Tools menu to send us a Secure Message or call us at (866) 492-1339.
How do I enroll in Mobile Banking?
For Personal Accounts, you will need the following:
- Access to the Online Banking website or Mobile Banking App
- Bank of Arizona account number
- Debit/ATM card number and PIN
- Social security number
- Email address to enroll using our Online Enrollment process
If you do not have this information, you will need to visit one of our convenient locations to enroll in person.
For Personal Accounts: You can enroll for Online and Mobile Banking via the Mobile Banking app with the above information. Once you have downloaded the app from the iTunes App Store or from the Google Play Store, open the app and select Enroll at the bottom and follow the prompts. You will be asked to set up your security questions during enrollment.
You may also enroll using the website. From the homepage, select the Personal tab at the top of the page and then select Online & Mobile Banking. Next, select the Enroll Today button and simply follow the prompts to complete enrollment.
For Business Accounts: You will need to complete and sign the Business Online Banking enrollment form located at Business Online Banking. You can bring your completed enrollment form to any of our convenient locations to enroll in person or you can mail or fax it to us. If you choose to mail or fax your enrollment form, we will process your request within two business days of receiving your completed form and send you an email with instructions for logging on. Once you have enrolled, logged in and set up your security questions and answers, you will be able to use Online and Mobile Banking.
NOTE: You will need a username and password to access your accounts online and in mobile. A username and password are created during the enrollment process.
What accounts can I access through Mobile Banking?
You can access your personal checking and savings, money market accounts, installment loans, home equity loans and lines of credit, mortgage loans, personal lines of credit, certificates of deposit (CDs), and IRAs.
What services are available to me through Mobile Banking?
Mobile Banking provides a safe and convenient way to do your banking while on the go. You can check account balances, view transactions, transfer funds, find ATM and Banking Center locations and more. You can even pay bills online if you sign up for Online Bill Pay.
How much does Mobile Banking cost?
Mobile Banking is a free service, however, please check with your phone carrier regarding applicable charges and fees that may apply from use of their service.
What if I forgot my Username or Password?
You can use the “Need Help Logging In?” link on the Mobile Banking login page to retrieve your username and/or reset your password. If you are unable to successfully retrieve your username or password using the link you can visit one of our banking centers or call ExpressBank at (866) 492-1339.
How far back can I see transaction history?
You may access up to 18 months of transaction history. Mobile Banking will display your most recent transactions by default.
What is a pending transaction?
Pending transactions include credits and debits that have not yet posted to your account history. This may include items such as debit card purchases, cashed checks, and other holds applied to your available balance. A purchase made with your debit card will debit your account at the time of the transaction and the funds are placed on temporary hold for up to three business days (for most transactions) or until the items clears. If we do not receive the completed transaction from the merchant within that time frame the pending debit is released. Once we receive the completed transaction from the merchant the debit will post to your account history.
In some cases the amount of the pending transaction may not match the actual amount of the transaction. This is because some merchants request us to authorize a general amount such as $1 or the amount that they estimate you will spend, which could be higher or lower than the actual amount of the transaction. When the transaction posts, your account is charged the amount of the transaction presented by the merchant. Some debit card transactions may not show as pending transactions and may not affect your available balance until they post.
Can I view images of checks in Mobile Banking?
Yes. Just go to your list of accounts and tap on an account. When the account activity is displayed, just look for that item and click the link. Images are generally posted by 11 a.m. (CT) for all checks that cleared the previous business day.
Can I view images of deposited checks in mobile banking?
Yes. You can view images of checks that were deposited at a banking center or via Mobile Deposit. Just go to your list of accounts and select the desired account. When the account activity is displayed, look for the deposit in question and click on the link. Images are available when deposits post to your account transaction history.
What Mobile Operating System versions are compatible with Mobile Banking?
For the best user experience it is recommended that your device has the most recent operating system version installed.
- The Apple app is available for iPhones, iPads, and iPod touch devices with iOS (operating system) of 10.0 or greater. Available for download through the iTunes App Store.
- The Android app is available for Android phones with an operating system of 5.0 and newer. Available for download through the Google Play Store.
How accurate is the locator?
Directions and maps regarding our banking locations and ATM’s are for informational purposes only. The accuracy of the locator is dependent upon your device’s ability to determine your location.
How do I update my account nicknames?
Log into Mobile Banking, choose “Account Preferences” from the menu, and select “Customize Account Display” to easily update account nicknames.
How do I alert the bank of my travel plans so I can use my debit card and ATMs while traveling?
To help prevent an interruption in debit or ATM card access while travelling domestically or internationally, we recommend you submit a travel notification 48 hours in advance of your trip, for the cards you plan to use while traveling. You can submit a travel notification using Online Banking or the Mobile app. Just log into your account and select Add Travel Notification to tell us your travel plans. Alternatively, you can also call ExpressBank at (866) 492-1339
How can I change or cancel a future-dated transfer?
For future-dated transfers initiated within Online Banking or Mobile Banking, they can be cancelled by clicking on Pending Transfers, selecting the item and deleting the transfer.
What is the cutoff time to transfer funds?
The cutoff time for transferring funds is 10 p.m. (CT). Funds transferred after 10 p.m.(CT) or on weekends and holidays will be processed on the next business day.
What can I do through Mobile Banking Bill Pay?
Once you enroll in Online Bill Pay, you will be able to do the following in Mobile Banking:
- Add payees.
- Schedule one-time, future dated, or recurring payments.
- Confirm, edit or delete payee information.
- Review upcoming scheduled payments and edit or cancel them if needed.
How do I enroll for Online Bill Pay?
You must have a checking account to enroll and already be enrolled for Online and Mobile Banking.
From within the Mobile Banking app, select Bill Pay from the menu and then review and accept the Terms and Conditions.
From within Online Banking, select Enroll in Bill Pay from the Actions and Tools menu. Once you review and accept the Terms and Conditions, you will be enrolled and ready to go.
If you have a small business account, simply follow the same steps as above to complete Bill Pay enrollment.
When will payments be sent using Online Bill Pay?
If you submit your payment request prior to 8 p.m. (CT) on a business day (Monday-Friday, excluding holidays), the payment will be sent the following business day. If your payment request is made on a non-business day, the payment will be processed on the next business day and sent the following business day. When scheduling a future dated or recurring payment, if the Process Date falls on a non-business day, the payment will be processed on the next business day and sent the following business day. We recommend that all Process Dates you select be at least seven business days before the actual payment due date, not the late date and/or grace period. Funds will be withdrawn from your account according to the Terms and Conditions. See the FAQ below.
When will funds be deducted from my account?
Payments made electronically: We charge your transaction account on the selected Process Date and remit funds to the designated payee on your behalf. The payment is estimated to arrive in two business days or before.
Payments made via Paper Check: We process a paper check containing your transaction account routing number and transaction account number to the designated payee on your behalf. The funds will remain in your transaction account until the check has cleared. The payment is estimated to arrive in five business days or before.
How do I add payees?
Once in Mobile Banking, select the Bill Pay tab and then select Manage Payees. You will then select the “+” symbol in the top right corner to add a new payee.
How do I know if my payment will be sent electronically or by mail?
In Mobile Banking, if you select the Pay To tab from the Make a Payment screen it will tell you the estimated delivery days. A payment with an estimated delivery of two days if sent electronically and four days if sent by mail.
How far in advance should I set up payments?
In general your payment date should be at least seven business days from the date you set up a payment. However, the number of days required to make a payment can vary by payee based on the method your payee can receive payments.
What are "pending payments?"
Pending payments are payments you have scheduled through Online Bill Pay, which have not yet been processed and sent to the payee.
Can I cancel payments in Mobile Banking?
Yes. The windows for editing and canceling payments is as follows:
- Payments submitted on business days before 3 p.m. CT can be canceled or edited prior to 3 p.m. (CT).
- Payments submitted on business days between 3 p.m. and 8 p.m. CT can be canceled or edited prior to 8 p.m. (CT).
- Payments submitted after 8 p.m. or on weekends or holidays can be canceled prior to 3 p.m.(CT) of the following business day.
If I cancel a payment, how will I know that the payment wasn't processed?
The payment will no longer appear on the Pending Payments screen. Instead, next time you log on to Online Banking, the payment will appear in your Payment History having a status of Cancelled.
Why am I being presented with security questions when I try to login?
In order to protect you and your financial information, you may be asked security questions from time to time. These questions provide an additional layer of security to help ensure your information is kept safe.
What if I don't remember the answers to my questions?
If you are presented a security question and do not remember the answer, you can use the "Need Help" link within the Mobile Banking app to reset your security questions. If you are unable to reset your security questions using the “Need Help” link you will need to contact ExpressBank for assistance, (866) 492-1339 during business hours.
What can I do to keep my information secure?
You provide one of Online Banking's most important safety features by protecting your online password making sure no one can see the password as you log in to Online Banking or Mobile Banking and selecting log off when finished.
What is Touch ID and Face ID and Android Fingerprint Login?
- Touch ID and Fingerprint login for Android is the ability for the iPhone, iPad or Android sensors to read your fingerprint and unlock your phone or Mobile Banking app.
- Face ID is the ability for the iPhone camera to capture an image of your face and unlock your iPhone or Mobile Banking app.
What devices support Touch ID, Face ID and Android Fingerprint Login?
- iPhone 5s and newer
- iPad Air 2 and newer
- iPad mini 3 and newer
- iPad Pro
- iPhone X, iOS 10
Android Fingerprint Login:
- Fingerprint compatible devices running OS 5.0 & greater
How do I set up Touch ID, Face ID and Android Fingerprint Login for my Mobile Banking app?
First, you need to set up Touch ID, Face ID or Fingerprint Login under the device settings on your iPhone, iPad or Android device. Once you have enabled your preferred login, navigate to the Bank of Arizona Mobile Banking App and the app will automatically prompt you to set it up.
What if I did not opt to set up Touch ID, Face ID or Android Fingerprint Login for the Bank of Arizona Mobile Banking app when I was prompted?
First, you need to set up Touch ID or Fingerprint Login under the device settings on your iPhone, iPad or Android device. Once you have enabled Touch ID, navigate to the Bank of Arizona Mobile Banking App and the app will automatically prompt you to set it up.
You can still it set-up as follows:
Touch ID or Face ID: go to Account Preferences on the main menu of the app.
- To find the Touch ID settings go to Account Preferences > Login Settings / Touch ID.
- To find the Face ID settings, go to Account Preferences > Login Settings / Face ID > Face ID.
Android Fingerprint Login: go to Account Preferences on the main menu of the app
- To find the Fingerprint Login settings go to Account Preferences > Login Settings / Fingerprint Login
How secure is it to use Touch ID, Face ID or Android Fingerprint Login as my password to log in to Bank of Arizona Mobile Banking app?
Touch ID or FIngerprint Login: Your fingerprint is one of the safest passwords in the world because it is always with you, and no two are exactly alike. When you use Touch ID it creates a mathematical representation of your fingerprint. This fingerprint data is encrypted and securely stored in the iPhone's secure enclave. This hardened section of your phone provides extra protection against anyone who might try to obtain unauthorized access to your data. Any data protected by Touch ID can only be decrypted when a matching fingerprint has been used to unlock your device. Using Touch ID is just as safe, if not safer, than using a user name and password to login.
Face ID: The technology that enables Face ID is some of the most advanced hardware and software Apple has created. The camera captures accurate face data by projecting an analyzing over 30,000 invisible dots to create a depth map of your face and also captures an infrared image of your face. This face data is encrypted and securely stored in your device's Secure Enclave. This hardened section of your device provides extra protection against anyone who might try to obtain unauthorized access to your data. As an additional protection, Face ID allows only five unsuccessful match attempts before a passcode is required.
What do I do if I would like to turn off Touch ID, Face ID for the Bank of Arizona Mobile Banking app?
Touch ID: To turn it off in the Mobile Banking app, go to Account Preferences > Login Settings/Touch ID from the main menu of the mobile banking app.
Face ID: Turn off Face ID for the Mobile Banking App by logging into the app and selecting Account Preferences > Login Settings/Face ID > Face ID and turn the setting to off.
Android Fingerprint Login: Turn off Fingerprint Login for the Mobile Banking App by logging into the app and selecting Account Preferences > Login Settings/Fingerprint Login > Fingerprint Login and turn the setting to off.
I have enabled Touch ID, Face ID or Android Fingerprint Login on my phone, why isn’t it working for the Bank of Arizona Mobile Banking app?
You will need to enable Touch ID within the Bank of Arizona Mobile Banking app. Here’s how:
Touch ID or Face ID: go to Account Preferences on the main menu of the app.
- To find the Touch ID settings go to Account Preferences > Login Settings / Touch ID.
- To find the Face ID settings, go to Account Preferences > Login Settings/Face ID > Face ID.
Android Fingerprint Login : go to Account Preferences on the main menu of the app.
- To find the Fingerprint Login settings go to Account Preferences > Login Settings/Fingerprint Login.