SGB Mobile Banking Frequently Asked Questions

1. What is SGB Mobile Banking?

SGB Mobile Banking is a feature of SGB Online Banking. It allows you to conduct your banking securely anywhere, anytime from your mobile phone for free*.

2. What are the functionalities of SGB Mobile Banking?

SGB Mobile Banking allows you to view account balances, review transaction history and account alerts, pay bills, transfer funds, and locate nearby Southwest Georgia Bank branches and ATMs.

3. How do I sign up?

Before you can begin using SGB Mobile Banking or SGB Mobile Text Banking, you must first be enrolled in SGB Online Banking.  To enroll in SGB Online Banking, see “Enroll Now” in the Online Banking Center on any page of our website, www.sgfc.com.  After enrolling, login to your SGB Online Banking Service.  On the Accounts Listing page, choose the Options tab, then Mobile Settings and provide the requested information.  You must also read and agree to the Mobile Banking Agreement.  You are now ready to use SGB Mobile Banking using your SGB Online Banking User ID and password.

4. How do I access SGB Mobile Banking?

Android and iPhone users can download the SGB Mobile Banking Apps for free.  Or, on any web-enabled phone, users can use our mobile banking website, www.sgfc.mobi.  This service is quick, easy, convenient, and secure.

Don’t have a web-enabled phone?  Not a problem!

SGB Mobile Text Banking allows you to simply and securely request information about your accounts by using simple text commands.

5. Is SGB Mobile Banking secure?

Yes, your personal information is protected by advanced encryption technology to prevent unauthorized access, and the verification of your personal identification image ensures you are on the SGB Mobile Banking site. As an added level of security, at times you may also be asked to answer your challenge questions. All these features are available to give you confidence your information is protected and secure. If your mobile phone is stolen or lost, don’t worry. Your account information is not stored on your mobile phone; therefore, it cannot be stolen.

6. What type of mobile phone and mobile service is required for SGB Mobile Banking?

Most mobile telephones are compatible with SGB Mobile Banking. For optimal utilization of SGB Mobile Banking, a "smart" phone is recommended. A mobile device with Internet access and an Internet browser application that supports secure SSL connections and is "WAP 2.0" compliant is required in order to view your accounts via SGB Mobile Banking. If you wish to receive a text confirmation message via "text" regarding the transfer and bill payment transactions initiated via your mobile device, a text message feature is needed. Standard text messaging rates from your mobile service provider apply.

7. I have been asked to answer my challenge questions while using my mobile phone and I cannot remember the answers. What do I do?

Just as when you are accessing your SGB Online Banking service, you may be prompted to answer your challenge questions when using SGB Mobile Banking. If you are unable to answer your "secret" security questions, Southwest Georgia Bank customer service is available to assist you Monday through Friday between 8:30 a.m. and 5 p.m. ET at 229-873-3783 or 888-683-2265.

8. What happens if I lose the signal/communication during a Mobile Banking transaction?

If you have the texting feature with your mobile service provider, each transfer and bill payment performed through SGB Mobile Banking will be confirmed with a text message sent directly to your mobile phone. If you do not receive a confirmation message or do not have a texting feature on your mobile phone, log on to SGB Online Banking to view the transaction status. If the transaction is not detailed on your service, the requested transaction did not occur.

9. What do I need to do if I get a new mobile phone?

If you obtain a new mobile phone and are using the same phone number and service provider, then no changes are necessary. If you switch service providers and/or phone numbers, log on to SGB Online Banking and update your information by clicking on Mobile Settings under the Options tab. For security reasons, SMS Text Messages are sent only to the phone number listed under Mobile Options.

Important: Be sure to check with your wireless carrier to ensure your new mobile phone and its Internet browser application support secure SSL connections and is "WAP" 2.0" compliant.

10. What happens if I lose my mobile device?

No need to worry. Your account information is not stored on your mobile phone; therefore, it cannot be stolen. When you replace your mobile phone, simply verify your SGB Mobile Banking information is correct by logging into SGB Online Banking and clicking on Mobile Settings under the Options tab. If there are changes to your mobile phone provider or number, update your information in the Mobile Settings section.

11. Can I transfer funds via SGB Mobile Banking?

You can make immediate transfers between your Southwest Georgia Bank accounts via SGB Mobile Banking. Future transfers and recurring transfers must be set up in your SGB Online Banking service.

12. Can I setup my bill payment payees via SGB Mobile Banking?

New bill payment payees must be added to your SGB Online Banking service. Once a new payee is established, you will be able to access it and pay bills on your mobile phone.

13. Do I need a password to use SGB Mobile Banking?

Yes, you will use your current SGB Online Banking User ID and Password each time you access your information via your mobile phone.

*Standard data fees from your mobile provider apply.

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