Mobile Banking FAQs


Mobile Banking – Frequently Asked Questions


1.What is Mobile Banking?

Mobile Banking gives you access to your accounts via your mobile web browser. Mobile banking allows you to: view account balances, search recent account activity, and transfer funds. You can access the following types of accounts: checking, savings, CD’s, and loans.

2.How much does the service cost?

Mobile web-based banking is free. There may be charges associated with text messaging and data usage on your phone. Check with your mobile phone carrier for more information.

3.Howdo I access Mobile Banking on my phone’s browser?

After successful activation, your phone will receive a text message with your Mobile Banking URL. You can visit the site at any time at

4.How do I sign up for Mobile Banking?

Go to ‘Users Settings’ from the menu and click on ‘Offers and Agreements’ link to access the activation page.  After you agree to the Mobile Banking Agreement & Disclosure you be able to access the activation page.  Just follow the activation instructions.

5.I activated Mobile Banking on my phone’s browser. Why am I being asked to activate again?

At the time of activation, a “cookie” is stored on your phone’s browser which allows the Mobile Banking system to remember that you are activated. Some phones may require you to enable cookies or periodically erase them, requiring re-activation. If you are experiencing this issue, check your phone settings to ensure that cookies are enabled. If enabled and the issue persists, consider using an alternative mobile web browser with strong cookie support, such as Opera Mini (which can be found by visiting on your phone’s browser).

6.How do I optimize my mobile web experience?

Ensure your phone’s browser has cookies enabled. In addition, enable stylesheets for the best viewing experience.

7.Is Mobile Banking supported on my phone?

Mobile Banking is supported on most all phones with a mobile web browser that supports cookies.

8.Is FNMBLC Mobile Banking secure?

Yes. First new Mexico Bank, Las Cruces Mobile Banking utilizes best practices from Online Banking, such as HTTPS, 128 bit SS encryption, PIN or password access and application time-out when your phone is not in use. Only the phones that you personally enroll can access your accounts. As an added security measure, each phone in your profile is tied to your Online Banking account. The credentials entered must be valid and must match those in your phone’s profile. Your phone and your Online Banking account are linked automatically during enrollment.

In addition, we recommend that users protect their smart phones by installing security software on their phones.Such software generally includes a firewall, anti-virus, anti-spyware and anti-malware protection and the ability to trace and wipe clean your phone in the event it is lost. Mobile phone security software can be purchased from suppliers such as Symantec, McAfee and Kaspersky.

Users should also guard against phishing attempts by visting and downloading applications only from known and trusted sites. If you attempt to log on using your phone on another user’s online banking credentials, access will be denied. In addition, no account data is ever stored on your phone. And in the event that your phone is lost or stolen, your mobile banking service can immediately be disabled by either going online to the Mobile Banking enrollment website or calling First New Mexico Bank, Las Cruces customer service.

9.Which mobile phone carriers are supported?

We support all the popular U.S. mobile phone carriers, including AT&T, Sprint, T-Mobile, and Verizon. If your carrier is not listed when you enroll, select “Other” and try the Mobile Web option, or check back later, as new carriers will be added over time.

10.Do I need a text message or data plan?

Yes, a text messaging and/or data plan is typically needed, as data usage can become expensive without one.Please check with your mobile carrier for more information.

11.I’m not enrolled in Online Banking. Can I still use Mobile Banking?

You must first enable your bank account(s) for Online Banking before using Mobile Banking.

12.What is Activation?

Activation is a one-time process that helps ensure your security. After you enroll a phone, you will receive an activation code which will be required to begin using Mobile Banking on your device. We recommend you print your activation code and installation instructions for easy reference during installation.

13. How do I get an activation code?

In order to receive your activation code, you must first login to Online Banking, click on the Mobile Banking link and then register your phone. You will then receive your activation code.

14.I enrolled my phone number but did not receive a text message. What should I do?

Activation codes expire after a specific period of time (usually 24 hours). If you need a new one, return to the Mobile Banking enrollment site and request a new activation code.

15.I received an activation code but never used it. What do I do now?

Activation codes expire after a specific period of time (usually 24 hours). If you need a new one, return to the Mobile Banking enrollment site and request a new activation code.

16.What happens if I get a new phone or change phone numbers?

If you get a new phone or change phone numbers, be sure to return to the Mobile Banking website via your PC and update your phone profile in the Mobile Banking activation page. We recommend removing your old phone and re-enrolling your new phone.

17.Can I use Mobile Banking on more than one phone?

Yes. An account may be accessed by multiple phones. Visit the mobile banking page from online banking and simply enroll and activate another phone number. However, the phone enrolled cannot be linked to multiple accounts.

18.What if my phone is lost or stolen?

Sign on to online banking and disable or remove your phone and contact your mobile service provider immediately. You can also reach customer service at 575-556-3000, and we may deactivate the phone for you.