Mobile Banking with Mobile Deposit

Mobile Banking

• Fast, free, and secure service for customers enrolled in online banking*
• Available to personal and business customers
• Easily keep track of your finances — even on the go:
  • View account balances
  • Review history
  • Transfer funds between accounts
  • Receive alerts
  • Pay bills
• Available via any web-enabled cell phone or device
  • Web browsing
  • App download – iPhone® | Android™
  • Text banking**
• Save valuable time and effort; avoid an extra trip to a branch

Get Started

How to setup mobile banking from your online banking account:

1. From a desktop PC, log into your Bank of Denver online banking
2. Click the "Options" tab
3. Then, click on "Mobile Settings" tab
4. Complete preferences, including your mobile phone number, then click the "Submit" button
5. Read Mobile Banking Agreement, confirm settings information and click "Confirm" button
6. iPhone, iPad, and Android users can install a custom app for Mobile Banking. Go to your phone's app store and search "Bank of Denver Mobile Banking."

Text Banking

• Fast, free and secure service for customers enrolled in online banking
• Available to personal and business customers
• With a few text commands quickly receive account balance and recent transactions
  • Bal = All Account Balances
  • Bal Acct Name = Single Account Balance
  • Hist = All Accounts Recent Activity
  • Hist Acct Name = Single Acct Activity
  • Help = Commands
  • Stop = Cancel

How do I set it up?

To set up text banking from a desktop PC, log into your Online Banking account:

1. Click on the "Options" tab. Then, click on "Mobile Settings" tab
2. Then, click on "Web Text Settings" option
3. Complete preferences, including your mobile phone number, then click the "Submit" button
4. Read the Mobile Banking Agreement, confirm settings information, and click "Confirm" button

Eight Steps to Safe Mobile Banking

1. Never provide personal identification or banking information over your mobile device unless you initiate the contact and you know that you’re dealing directly with your bank.
2. Assume any unsolicited text for personal or banking information request is fraudulent. Giving this information places your finances and privacy at risk.
3. Avoid sharing sensitive information such as your password, account number or answers to secret questions. Don’t save this information anywhere on your mobile device or phone.
4. Don’t set the Web or client-text service to automatically log you into your bank account. If your phone is lost or stolen, someone will have free access to your money.
5. Set the phone to require a password to power on the handset or awake it from sleep mode.
6. Immediately tell your bank and your mobile operator if you lose your phone.
7. Consider using security and firewall protection software to help protect your phone from any viruses, malware or corrupt applications.
8. After a mobile banking session, clear the history and erase the cache and any cookies that maybe stored on your device.

Learn More

If you have any questions about Mobile Banking, please see the FAQ below or just contact us.

Mobile Deposit

• Deposit checks anytime, anywhere from your mobile phone
• Free service for customers with a Bank of Denver checking account and the Bank of Denver mobile app
• Save time, avoid unnecessary trips to a branch
• Prior to access, download  the Mobile Deposit User Agreement (PDF) and return it to the bank
• Once you are set up for mobile deposit navigate to deposits within the mobile app
• Deposit your check in just a few taps of your finger:
  1. Take a picture of the front and back of your check, following the on-screen instructions (make sure you sign it)
  2. Select the account into which you want to make the deposit
  3. Enter the check amount
  4. Verify that everything on the screen is correct, then hit "Submit"
  5. We'll confirm that the check has been received

Standard Limits:

1. $1,000 check deposits per day
2. $2,000 check deposits per week
3. $3,000 check deposits per month

Other terms apply, see Mobile Deposit User Agreement (PDF)

If you have any questions about Mobile Deposit, please see the FAQ below or just contact us.

Fees:

No fee is charged by Bank of Denver. Mobile service carrier fees may apply depending on your service plan. Check with your mobile carrier.

Type of Accounts for Deposits:

Mobile Deposit enables check deposits into Checking, Savings, and Money Market accounts.

Deposited Funds Availability:

Deposited funds will be available on the second business day after the day of your deposit. However, the first $200 of your deposit will be available on the first business day.

Requirements:

• Enrolled in Bank of Denver's online banking for personal deposit account
• Bank of Denver's Mobile Online Banking app installed on iPhone, iPad or Android device
• Account must be in good standing for 30 days, and meet other qualifications

Mobile Banking FAQ

Q: What is Mobile Banking?

Mobile Banking gives you access to your account that is specially-formatted for smartphones. While the layout is a bit different, the high functionality and industry-standard security protocols make it perfect for you on the go.

Q: Is there any fee for using Mobile Banking?

There is no charge for this feature on your account. However, your wireless service provider may charge you for data usage for Internet browsing. You must be able to browse the Internet to use our Mobile Banking. Contact your wireless service provider for more information.

Q: What do I need to use Mobile Banking?

To access Mobile Banking, you must have:

• An active checking, savings, CD, money-market or loan
• An Online Banking user ID and password
• A mobile device that supports web browsing functionality
• A wireless data plan with your mobile carrier (data charges from carrier may apply)

Q: Which of my accounts can I access?

You control which of your accounts can be enabled to access through Mobile Banking. Most accounts that you can see through Standard Online Banking can be accessed through Mobile Banking. These include any active Bank of Denver checking, savings, CD, money market and loan account. 

Q: After I enroll, where do I point my smartphone browser?

Go to http://www.tbodmobile.com.

Q: How current is the balance and transaction information?

Your account information will be displayed in real time.

Q: Can I pay bills through Mobile Banking?

Yes. You can pay all the same payees that you have set up within Online Bill Pay. Online Bill Pay, and specific payees, must be set up through your standard account prior to initiating payments through Mobile Banking.

Q: Is it okay to save my Online Banking User ID and/or Password directly on my mobile phone?

Never store your financial account numbers or account login information directly on your mobile device. If you ever lose your phone or have it stolen, take action immediately to deactivate Mobile Banking or Mobile Text Banking from that device. Users should also contact the bank, so we're aware of the incident.

Q: Can I transfer funds to an account at another bank?

No, currently you can only transfer funds via Mobile Banking between your accounts with us.

Q: What should I do if I lose my mobile phone authorized for Mobile Banking?

You should immediately deactivate Mobile Banking by logging into your account from a trusted desktop PC and deactivating your Mobile Banking settings. Also, you should contact your mobile service provider and ask them to suspend service on that device.

Security Tip: You should not store account numbers or login information on your mobile device at any time. Also, it's recommended that you restrict access to your phone through the password feature. 

Q: Can I set up multiple users to use Mobile Banking for the same account?

No. For security purposes, only one mobile phone number can be configured to use Mobile Banking. However, a user may set up one mobile number for Mobile Banking, while setting up a different mobile number for Mobile Text Banking. For example, you could set up yourself to use Mobile Banking, while setting up your spouse as the designated user for Mobile Text Banking. Either way, the designated mobile phone numbers can be changed at any time.

Mobile App FAQ

Q: What can you tell me about the Android and iPhone apps for Mobile Banking?

The app is not required, but is recommended for Android and iPhone users. The app creates a user experience and page formatting that is specially designed for your type of phone. The app is free and, when installed, will create a visual shortcut icon on the phone's desktop that streamlines access to a customer's account login screen. Also, the Online Banking screens, functions, and display are formatted specifically to the smartphone device. You must pre-authorize your specific mobile device through your Online Banking account prior to accessing your account through your smartphone. Visit the App Store from your Android or iPhone smartphone. Then search for "Bank of Denver Mobile Banking." Follow directions to download and install the free app. Once installed you'll see the shortcut icon right on your phone's desktop.

Text Banking FAQ

Q: What is Mobile Text Banking?

Mobile Text Banking enables you to send a short, coded text message to us and instantly retrieve your current account balance and recent transactions. There is no need to browse the Internet or even go through a log-in process. Since you pre-authorize your designated mobile device, it's a fast, safe way to get current account information.

Q: Is there any fee for using Mobile Text Banking?

There is no charge for this feature. However, your wireless service provider may charge you for text/SMS messaging. You must have a mobile device capable of receiving and sending text messages. Contact your wireless service provider for more information.

Q: What do I need to use Mobile Text Banking?

To access Mobile Text Banking, you must:

• Have an active checking, savings, CD, money-market, loan account with us
• Be enrolled in Online Banking for your account
• Have a mobile device that is capable of sending and receiving text messages
• Have a text/SMS messaging plan with your mobile carrier (separate charges from carrier may apply)

Q: Which of my accounts can I access?

You control which of your accounts can be enabled to access through Mobile Banking. Most accounts that you can view through standard Online Banking can be viewed through Mobile Banking. These include any active checking, savings, CD, money-market, and loan account. 

Q: Is it okay to save my Online Banking User ID and/or Password directly on my mobile phone?

Never store your financial account numbers or account log-in information directly on your mobile device. If you ever lose your phone or have it stolen, take action immediately to deactivate Mobile Banking or Mobile Text Banking from that device.

Q: How current is the balance and transaction information?

The account information displayed in Online Banking is in real time.

Q: What should I do if I lose my mobile phone authorized for Mobile Banking?

You should immediately deactivate Mobile Banking by logging into your account from a trusted desktop PC and deactivating your Mobile Banking settings. Also, you should contact your mobile service provider and ask them to suspend service on that device.

Security Tip: You should not store account numbers or login information on your mobile device at any time. Also, it's recommended that you restrict access to your phone through the password feature.

Q: Can I set up multiple users to use Mobile Text Banking for the same account?

No. For security purposes, only one mobile phone number can be configured to use Mobile Text Banking. However, a user may set up one mobile number for Mobile Banking, while setting up a different mobile number for Mobile Text Banking. For example, you could set up yourself to use Mobile Banking, while setting up your spouse as the designated user for Mobile Text Banking. Either way, the designated mobile phone numbers can be changed at any time.