Mobile Banking

If your phone is lost or stolen, you should notify your mobile service provider immediately. The mobile app doesn’t store your Password. You can always call us at 888-500-2960 to have your sign-in information reset over the phone, or you can change your Username and Password.

To help protect your accounts or sensitive information when using Mobile or Online Banking, we recommend the following:

• Never give out your Username or Password.

• Do not use biometrics to access Digital Banking if someone else has added their biometrics to your device.

• Choose Passwords that would not be easy for others to guess. This includes information that could be found on social or public sites, such as your name, a family member's name, your phone number, birthday or the name of your pet.

• Establish a Password or passcode to access your mobile device. A device Password or passcode will lock your device after it has been idle for a set period of time preventing access by others who are not authorized. 

• Avoid using public Wi-Fi when using the mobile app or a browser.

If you’re enrolled in Online Banking, you’re eligible to use Mobile Banking. All you need is an eligible mobile device with internet access.

Yes, as long as your mobile carrier offers internet service in the country you’re visiting, and you have already downloaded the app. All roaming, data access and text charges from your mobile service provider will apply. The Mobile Banking application is only available to download within the US using the US version of the Apple and Google Play stores.

Note that Touch ID authentication is available on supported Apple and Android devices; however, Face ID is only available on supported Apple devices.

To set up Touch ID or Face ID, once you’ve logged in, click on the image icon in the top right corner of the Accounts page. select My Preferences, then select the device you are using in the list of devices that have downloaded the App. You can select to “Enable” Touch ID or Face ID for that device. A device can be enabled to use Touch ID or Face ID, but not both at the same time.

Enabling Touch ID or Face ID for the mobile app will grant access and full Mobile Banking functionality to any person whose fingerprints or facial recognition has been saved on your device. We strongly recommend against enabling Touch ID or Face ID if anyone else has or might gain access to your device and its security Password.

Yes, you will always have the option to sign in with your Username and Password. Just tap “Cancel” when the app asks for your fingerprint or face ID.

There is no charge for the Mobile Banking service; however, ordinary bank fees under other agreements still apply (e.g., fund transfers that results in overdraft charges or applicable Bill Pay fees). Contact your wireless phone service provider regarding data or messaging charges.

The Mobile Banking app offers a suite of self-service capabilities, and we are continuously releasing new features, enhancing the user experience and helping you manage your finances on the go:

• View your account balances and transaction history
• Transfer money between your eligible accounts
• Pay your bills
• Deposit checks using our Mobile Deposit service
• Submit travel notification requests for upcoming travel plans
• Search for Branch and ATM locations

Accessing Digital Banking by either downloading the mobile banking app or by using your mobile browser, or both, offer easy, on-the-go access to your accounts.

Check your mobile device or the applicable app store for notices regarding Mobile Banking version updates. If there is an update available, follow the instructions to download the update. The best way to keep the app up to date is to enable Automatic app updates, so that the app automatically updates when an update is available.

We regularly release new Mobile Banking features and services that may be available only by updating your mobile app and/or your mobile device’s operating system to the latest version.

You can deposit a check to your eligible accounts by following these simple steps:

• Endorse the back of the check with your signature and add the words “For Mobile Deposit to ABT.”
• Sign in to Mobile Banking, select “Mobile Deposit” from the bottom menu. Find additional information on our Mobile Banking page.
• Capture an image. Make sure your check is placed on a dark, well-lit, flat surface, and ensure that it fits within the image frame. 
• Review your entries and submit your check deposit request.

Note: A device with a rear-facing and auto focus camera is required to use the Mobile Check Deposit service.

After successfully submitting your check, the deposit process will begin. The processing time to complete the deposit may vary. If we accepted your deposit:

• Funds deposited before 7:00 p.m. MT on a business day (every day except Saturday, Sundays and federal holidays) are generally available for withdrawal on the next business day. For example, if you deposit a check at 2:00 p.m. on Thursday, you’ll see it in your account on Friday. Deposits after the cutoff time or on a non-business day, such as Saturdays, Sundays, or federal holidays, the funds will generally be available on the 2nd business day.

• We’ll send you an email within 1 business day with your deposit status.

• Even though the image was approved for deposit, it will follow the same posting process as a traditional paper check. It may take several hours from the time the deposit was approved to when it appears in your account. You will see the deposit on the next business day and receive an email notifying you that the deposit was successful.

• Deposits may be subject to additional holds.

If your deposit is declined, we will email you a notice by the first business day after the day we receive your deposit.

Mobile Deposit is free to eligible customers. There may be charges associated with data usage on your phone or tablet device. Check with your wireless phone service provider for more information.

Yes. Mobile Check Deposit Limits are based on length of oldest deposit account relationship. See details.

After you successfully submit your deposit, retain the check for 30 days and then securely destroy the check. This allows sufficient time in the event the check needs to be re-deposited.

You can deposit checks payable in US dollars and drawn on a US bank. The following items cannot be deposited using Mobile Check Deposit:

• Checks payable to anyone other than the owner of the account into which it is being deposited; 
• Checks drawn on an account held with Bank (a check drawn on another Division is permitted) that you own solely or jointly, and/or you are an authorized signer on; 
• Checks containing any unauthorized alteration;
• Checks payable jointly, unless deposited into an account with the names of all payees; 
• Checks previously converted to a substitute check, as defined in Reg. CC; 
• Checks drawn on a foreign bank and/or that are not payable in United States currency; 
• Checks that are payable on sight or payable through drafts, as defined in Reg. CC, or are remotely created checks, as defined in Reg. CC; 
• Checks that are undated, post-dated, or are dated more than 6 months prior to the date of deposit; 
• Checks with any endorsement on the back other than that specified in this Agreement;  
• Checks that have previously been deposited by any remote capture or physical delivery; 
• Checks or items that are drawn or otherwise issued by the U.S. Treasury Department;
• Checks that have previously been returned unpaid for any reason; 
• Travelers Checks; 
• Checks payable to “Cash”; 
• Checks transmitted from outside the United States; 
• Registered government warrants; 
• Money Orders; or  
• Checks that are prohibited by our current procedures relating to the mobile remote deposit capture feature, or which are otherwise not acceptable under your Deposit Account Agreement, or as we may otherwise determine in our sole discretion; 
• Government checks of any type—state or federal.

We may in our sole discretion, and without liability to you, refuse any check for any or no reason, or elect to take the check on a collection basis only. We reserve the right to charge back to your account, at any time, any item that we subsequently determine was an ineligible item. We are not liable for any loss, costs, or fees you may incur as a result of our chargeback of an ineligible item.

Yes. Select "Transfers" from the bottom menu, or by clicking, “Make a Quick Transfer” to schedule a transfer to or from your eligible accounts. You can also view your recent and scheduled transfer activity by selecting “History” from the Transfers page.