Mobile App

Consumer Login

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Mobile Banking


We know that our customers have hectic schedules and anyway we can offer convenience to them, we strive to do so. Banterra’s Mobile App is easy to use and offers the security you expect to allow you to do banking 24/7, from anywhere at anytime.

Mobile

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Download our Mobile App Guide.

Mobile Banking FAQs

Q Does the app cost anything?

A There are no charges associated with downloading the app.


Q Which smartphones work with the app?

A It's compatible with Apple and Android devices.


Q Where can I download the app?

A You can get the app by clicking download by the appropriate device above, or by searching for Banterra in your App Store or Google Play Store.


Q Do I have to be enrolled in Banterra Bank online banking first?

A You do not need to be enrolled in online banking. Click the “New User? Enroll Now” button at the top of the app home screen to enroll. Once you enroll, you will automatically have access to online banking (through Banterra.com).


Q What do I need to do once I download the mobile app?

A You simply click on “New User? Enroll Now.” button once the app is downloaded and complete the new user form and submit (allow two business days for processing). You’ll receive an email invitation to complete the process. Create a username and password to login to the app. If you are already enrolled, simply login with your current username and password.


Q Do I have to release any personal account information?

A You're not required to enter any account or routing numbers to set up the app.
You are only required to release personal information when enrolling for the app.


Q Is Mobile Banking safe?

A Yes; Banterra is committed to protecting our customer’s information and Mobile Banking is protected with state-of-the-art security technology. In addition to secured registration, log-in procedures and other security measures, no identifiable personal information is ever sent or stored on your device.


Q Is this app equipped with push notifications?

A You can turn on available push notifications if you like.


Q Once I download the app, will it require regular maintenance?

A You will only need to update the app if there is a new version available.


Q How do I change my password?

A Online banking customers simply change their password through Online Banking and use this new password for the app. Individuals who are not online banking customers can call 866-BANTERRA (226-8377) to reset a password.
You may change your password by selecting the “Forgot Password” link on the main screen or by going to Settings and selecting the “Change Password” option. You can also call 866-BANTERRA (226-8377) to reset a password.


Q Is my account information only updated once a day?

A Your account information is refreshed via real-time updating.

Mobile Check Deposit FAQs

Q Is there a fee to use Mobile Check Deposit?

A Mobile Check Deposit is a free service for our customers.


QWhat is the cut off time for making deposits thru Mobile Check Deposit?

A Deposits received before 4:00 pm Central Time on Monday-Friday (excluding bank holidays) will be considered as deposited on that day. After 4:00 pm deposits will be on the following business day.


Q When will my funds be available for checks I deposit thru Mobile Check Deposit?

A Funds are generally available the next business day after the day of deposit. See applicable cut off times, stated above.


Q Is there an endorsement requirement for checks I deposit thru Mobile Check Deposit?

A Checks need to be endorsed with, “For Mobile Deposit Only“ and your signature.


Q Is there a dollar amount limit of checks I deposit thru Mobile Check Deposit?

ANo, there is no dollar limit of checks you deposit. There is a total daily deposit limit of $5,000. If you want to deposit more than $5,000 per day, you need to contact the bank to request your limit to be increased.


Q What do I do with the paper check after I’ve deposited it thru Mobile Check Deposit?

A Once the check has been accepted for Mobile Check Deposit, keep the paper check in a safe place for at least 14 days. After this time, after you have confirmed the funds are deposited, you can shred the check or mark it as VOID.


Q How will I know if my check/deposit is accepted thru Mobile Check Deposit?

A An on-screen deposit confirmation is available on the “History - Previous Deposits” screen viewable within the App. Successfully submitted deposits to the bank will be listed as “Submitted;” accepted and processed deposits will be listed as “Approved;” and not accepted deposits will be listed as “Rejected”. Also, system generated email notices are sent to notify you of when deposits are received (submitted to bank), accepted (processed and approved) and not accepted (processed and rejected).


Q What types of checks are not accepted for Mobile Check Deposit?

A

  • Checks payable to any person or entity other than the person or entity that owns the account that the check is being deposited into; person or entity other than you.
  • Checks containing an alteration on the front of the check or item, or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn.
  • Checks payable jointly, unless deposited into an account in the name of all payees.
  • Checks previously converted to a substitute check, as defined in Reg. CC.
  • Checks drawn on a financial institution located outside the United States or not payable in United States currency.
  • Checks that are remotely created checks, as defined in Reg. CC.
  • Checks not payable in United States currency.
  • Checks dated more than six months prior to the date of deposit.
  • Checks or items prohibited by Banterra’s current procedures relating to the Services or which are otherwise not acceptable under the terms of your Banterra account.
  • Checks payable on sight or payable through Drafts, as defined in Reg. CC.
  • Checks with any endorsement on the back other than that specified in this agreement.
  • Checks that have previously been submitted through the Service or through a remote deposit capture service offered at any other financial institution.
  • Checks or items that are drawn or otherwise issued by the U.S. Treasury Department.
  • Travelers Checks


QWhy would my deposit reject thru Mobile Check Deposit?

ASee examples below:

  • Check is over the daily deposit limit (Customer may contact us for an increase of limit; requires approval)
  • MICR line is blank or already encoded on check
  • Invalid routing number
  • Missing or improper endorsement
  • Duplicates (check previously deposited)
  • Image quality (dark, angle, size, front & back images are same, etc.)
  • Dollar amount entered does not match check amount


QWhat type of accounts are deposits accepted for thru Mobile Check Deposit?

ADeposits will be accepted for checking, savings or money market accounts.


Digital Wallets


Enjoy the convenience and security of a digital wallet on your mobile device, and simply load your Banterra Visa Debit Card, Banterra Visa Credit Card or Banterra American Express Credit Card for easy shopping. Banterra offers Android Pay, Apple Pay, and Samsung Pay.

Android Pay FAQs

Q How do I add my Banterra Visa® Debit Card, Banterra Visa® Credit Card or Banterra American Express ® Credit Card for easy shopping? 

A Add your card(s) to Android Pay by opening the app on your eligible device (if not available on your phone, download the app from GooglePlay).
At the bottom right, tap +.
Tap add a credit or debit card.
Use the camera to capture your card info or enter it yourself.
If you asked to verify your card, choose a verification method from the list.
Find and enter the verification code.
Note: After you add a card, you might see a small temporary charge on your account. It won’t affect your balance and will disappear soon after. If you have set up alerts, you will see the test. This is done to ensure the card is open and activated. The transaction might show from Visa® or Google.


Q What devices is Android Pay available on?

A Android Pay is available on all non-rooted Android devices (KitKat 4.4+).


Q How do I pay using Android Pay?

A At checkout, wake up your phone and hold it to the terminal.
Your phone will beep or vibrate, and you will receive a confirmation on screen.
To complete the transaction, you may need to sign a receipt or enter your PIN as usual.
It’s accepted wherever you see these symbols:


Q Is Android Pay secure?

A When you use your phone to pay in stores, Android Pay doesn’t send your actual credit or debit card number with your payment. Instead they use a virtual account number to represent your account information so your card details stay safe and secure.


Q Does Banterra protect my virtual cards?

A Customers will not be liable for any unauthorized transactions using your lost, stolen or compromised card unless you have been negligent or have engaged in fraud.
All merchants and processors who handle card data and personal information have a responsibility to protect a customer's data.


QWhat if my device is lost or stolen?

A If your phone is ever lost or stolen, you can use Android Device Manager to instantly lock it from anywhere, secure it with a new password, or wipe it clean of personal data.
You can also turn your Banterra Visa® Debit Card on or off with the touch of a button through Banterra’s Digital Banking (online or mobile).


Q What if I have a problem activating my Banterra Visa® Debit Card, Banterra Visa® Credit Card or Banterra American Express® Credit Card?

A If you are not automatically activated, please contact Banterra’s Card Services Department at 866-BANTERRA (226-8377), option 4 , weekdays from 8 a.m. to 5 p.m. CST.
Once Card Services verifies your accounts, they will be able to assist in completing your activation.
Reasons your card may not be automatically activated:

  • There are no recent transactions on your card.
  • Your card is new and has not been used yet. 


Apple Pay FAQs

Q How do I add my Banterra Visa® Debit Card, Banterra Visa® Credit Card or Banterra American Express ® Credit Card for easy shopping?  

A Open the Wallet app
Tap the plus sign in the upper right corner or “Add Credit or Debit Card”
Use your camera to snap a photo of your card or enter the card information manually
If you're asked to add the card that you use with iTunes, just enter its security code
Tap Next to continue, and answer additional security questions (if required)
Note: After you add a card, you might see a small temporary charge on your account. It won’t affect your balance and will disappear soon after. If you have set up alerts, you will see the test. This is done to ensure the card is open and activated.


Q What devices is Apple Pay available on?

A iPhone 7, iPhone 7 Plus, iPhone 6s, iPhone 6s Plus, iPhone 6, iPhone 6 Plus, iPhone SE


Q How do I pay using Apple Pay?

A To use your default card, rest your finger on Touch ID and hold your iPhone within an inch of the contactless reader until you see done and a checkmark on the display.
To switch cards on your iPhone, hold your device near the reader without resting your finger on Touch ID. When your default card appears, tap it, then tap the one that you want to use. Rest your finger on Touch ID to pay.
If you need to choose Credit or Debit on the terminal, choose Credit. If you need to provide the last four digits of your card, use the Device Account Number (DAN). To find the DAN, open Wallet and tap your card, then tap  to see the Device Account Number.
You might need to sign a receipt or enter your PIN.


Q Is Apple Pay secure?

A Yes; Instead of transmitting a credit card number to an NFC terminal or an app, Apple Pay transmits a Device Account Number (DAN) and a temporary token that verifies the transaction. The retailer never receives the card number, and the verification token can theoretically be used only once. Your phone never stores a credit card number, instead storing the DAN issued by the bank or credit card provider once it approves the card for Apple Pay use.


Q Does Banterra protect my virtual cards?

A Customers will not be liable for any unauthorized transactions using your lost, stolen or compromised card unless you have been negligent or have engaged in fraud.
All merchants and processors who handle card data and personal information have a responsibility to protect a customer's data.


Q What if my device is lost or stolen?

A With Apple Pay, you authorize each purchase with Touch ID or your passcode. These features help prevent other people from using Apple Pay on your iPhone.
You can go to icloud.com/find or use the Find My iPhone app to suspend or permanently remove the ability to pay from that device with Apple Pay. Your cards will be suspended or removed from Apple Pay even if your device is offline (not connected to a cell or Wi-Fi network).
You can also turn your Banterra Visa® Debit Card on or off with the touch of a button through Banterra’s Digital Banking (online or mobile).


Q What if I have a problem activating my Banterra Visa® Debit Card, Banterra Visa® Credit Card or BanterraAmerican Express® Credit Card?

A If you are not automatically activated, please contact Banterra’s Card Services Department at 866-BANTERRA (226-8377), option 4 , weekdays from 8 a.m. to 5 p.m. CST.
Once Card Services verifies your accounts, they will be able to assist in completing your activation.
Reasons your card may not be automatically activated:

  • There are no recent transactions on your card.
  • Your card is new and has not been used yet.

Samsung Pay FAQs

Q How do I add my Banterra Visa® Debit Card, Banterra Visa® Credit Card or Banterra American Express ® Credit Card for easy shopping?

A Add your card(s) to Samsung Pay by opening the app on your eligible device (if not available on your phone, download the app from GooglePlay). Navigate to and touch add; add a credit card or debit card.
Use your device camera to take a photo of the card, or enter the card data manually.
Review the Terms of Service and agree to all.
To authenticate your identity, touch the desired verification method.
Enter the OTP (One-Time Password). Then, touch submit.
Enter your signature. Then, touch save.
To complete the process, touch done.
Note: After you add a card, you might see a small temporary charge on your account. It won’t affect your balance and will disappear soon after. If you have set up alerts, you will see the test. This is done to ensure the card is open and activated.


Q What devices is Samsung Pay available on?

A Galaxy S7 edge, Galaxy S7, Galaxy S6 edge+, Galaxy Note5, Galaxy S6 edge, Galaxy S6 active, and Galaxy S6.


Q How do I pay using Samsung Pay?

A From the lock screen, swipe up from the small Samsung Pay bar just above the home button to access your stored card(s) and swipe to the desired card.
To verify your identity, place your finger on the home button. To use your Samsung Pay PIN, touch PIN. Then, enter your four-digit PIN.
To make the payment, place the back of your device on the payment terminal.
If necessary, complete the transaction on the payment terminal.
Once the payment is made you will get an Android notification that confirms the merchant name and the amount of your purchase. This information is also documented in the Samsung Pay app.


Q Is Samsung Pay secure?

A Samsung Pay does not store the account or credit card numbers of cards on the device, instead using tokenization for transactions. Each time a purchase is made, the Samsung Pay handset sends two pieces of data to the payment terminal. The first is a 16-digit token that represents the credit or debit card number, while the second piece is a one-time code or cryptogram that's generated by the phone's encryption key


Q Does Banterra protect my virtual cards?

A Customers will not be liable for any unauthorized transactions using your lost, stolen or compromised card unless you have been negligent or have engaged in fraud. All merchants and processors who handle card data and personal information have a responsibility to protect a customer's data.


Q What if my device is lost or stolen?

A Payments can't be made from your phone without being authorized via fingerprint or the PIN chosen during the setup process. If you register with Samsung's Find My Mobile service you can remotely erase information on the phone, including any cards stored in Samsung Pay


Q What if I have a problem activating my Banterra Visa® Debit Card, Banterra Visa® Credit Card or Banterra American Express® Credit Card?

A If you are not automatically activated, please contact Banterra’s Card Services Department at 866-BANTERRA (226-8377), option 4, and weekdays from 8 a.m. to 5 p.m. CST.
Once Card Services verifies your accounts, they will be able to assist in completing your activation.
Reasons your card may not be automatically activated:

  • There are no recent transactions on your card.
  • Your card is new and has not been used yet.






Visa® and Visa Checkout® are trademarks of Visa International Service Association and are used by the issuer pursuant to license from Visa U.S.A. Inc. The American Express name and logo, as well as the imagery and design of the American Express® Cards and other content featured are trademarks and intellectual property of the American Express.