Mobile Banking

Meet Mobiliti™

Mobiliti is Queenstown Bank's safe and secure mobile and tablet banking application. Mobiliti enables anyone with Online Banking access to their account information from a mobile device, 24 hours a day, 7 days a week.

Can I use Mobiliti on my mobile device?
Can I use Mobiliti on my tablet?
Can I deposit checks into my account?
Mobile Application
Text Messaging
Frequently Asked Questions

Multi-Factor Authentication for Security

As cybercrimes become more sophisticated, so must the measures we take to ensure your safety and security while banking online. In response to these threats, Queenstown Bank has introduced a one-time passcode verification feature, where we will help ensure that your Online Banking experience remains safe and secure. This added security feature is designed to confirm your identity and prevent unauthorized access to your account information.

Login Defenses - A real-time decisioning tool utilizing your device and location attributes to defend against cyber fraud.

Out-of-Bank Authentication - If the real-time decisioning tool determines additional authentication is needed, you will receive a Security Challenge and be given the option to receive a one-time passcode (OTP) via text message or automated phone call to complete the login process.

• All personal Online and Mobile Banking users will be required to enroll a phone number to deliver your one-time passcode(s).
• After the enrollment is complete, the passcode verification will appear each time our system does not recognize your desktop
or mobile device or detects suspicious activity.

To avoid interruption in accessing your accounts, please make sure the phone numbers listed on your accounts are accurate. To view your current contact information, you must log into Retail Online through a browser. Click on "Profile" at the top right of your screen. You will then see options to make changes to your phone numbers, email and more.

Instructions for Enrollment

Choose how to receive your one-time passcode
The Layered Authentication is a security feature designed to protect the privacy and security of your personal information. The one-time passcode is used to authenticate your device.

To receive your OTP via Text Message
Enter your mobile phone number if you would like to receive a text message with your one-time passcode.

To receive your OTP via Phone Call
Enter your home phone number if you would like to receive a recorded voice call with your one-time passcode. If you do not have a home phone, enter your mobile phone number here.

Help tip: Enter your mobile number and verify/enter your home phone and work phone. If your home phone is your mobile number, also enter your mobile number in the home phone field. If the phone information is invalid, you will not be able to log in to Online Banking.
If you have any issues with getting set up, contact digitalservices@queenstownbank.com or stop by one of our locations.

Instructions for First Time Log In with OTP:

Enter your username and password and click Log In.
Receive your one-time passcode
Receiving by Text Message
Choosing "Send text message" will prompt the system to send you a SMS text message with the one-time passcode. This SMS message can only be sent to a mobile device. If you log in through Queenstown Bank's Mobile Banking app, you will automatically receive a text message.
Receiving by Phone Call
Choosing "Call phone" will prompt the system to send you a recorded voice call with the one-time passcode. This call can be sent to a mobile device or home phone.
Enter your one-time passcode.

Once you receive your recorded or SMS delivered passcode, you will be prompted to enter the passcode.
When the passcode has been entered, and "continue" is selected, the user will be taken to the home screen and you can continue as usual.

Want more information?

Watch the tutorial below for additional information.

Mobile and Tablet Banking with Mobiliti™

Mobiliti offers two ways to access your accounts. You can choose either of these options, depending on the capabilities of your mobile device. Your mobile phone provider may charge access fees or data usage fees to obtain web access or send and receive text messages. Check with your service carrier for more details on specific fees.

Mobiliti™App

Managing your bank accounts on the go has never been easier with our downloadable Mobiliti app.

Using the downloadable application, or App, you can:

Check account balances with instant balances
Review recent account activity
Make Mobile Deposits
Transfer money between accounts
Pay bills and manage schedule payments
Send money to anyone with Zelle

To use the downloadable App, your mobile device or tablet must have an operating system that supports applications downloads and may require a data service plan. The Queenstown Bank of Maryland Mobiliti App can be downloaded from the iTunes App and Google Play stores. Message and data rates apply.

Mobiliti™ Enrollment

Enrolling is easy! Simply visit the iTunes or Google Play store and search for Queenstown Bank of Maryland. Our Mobiliti application will display in your search results. Download the application to your mobile device or tablet. After downloading enroll with your banking information, accept the Terms and Conditions for mobile/tablet banking and you're all set!

Text Messaging Service

Using Short Message Service (SMS) text messaging, you can:

Check account balances.
Review recent account activity.
Find ATM and branch locations.

No smartphone required! All you need is a mobile device that is able to send and receive text messages. Most mobile devices are capable of sending and receiving text messages, so your phone is most likely compatible with Mobiliti. Message and data rates apply.

How to Enroll in SMS Text Messaging Services

Log into Queenstown Bank of Maryland's Online Banking and a prompt asking you to enroll should display as soon as you have completed logging in successfully. In the event that you are not prompted, no problem! Simply click on "Profile" within Online Banking and click on "Enroll Now" under Mobile Banking Profile.

After accepting Queenstown Bank's Terms and Conditions for mobile banking, the first step of enrollment is to select which services you would like to use through Mobiliti.

To utilize the SMS Text Messaging service, check the box next to Text Messaging, then click continue.

The next screen will then ask you to select your time zone, what accounts you would like to access through Mobiliti and will also ask that you assign account nicknames. After choosing your time zone, simply place a check mark next to the accounts of your choosing and assign nicknames. Please note that nicknames are only used to identify accounts in text message form. For example, to receive recent transaction history on your checking account you nicknamed CHK, all you have to do is text HIST CHK to obtain the information.

When that portion has been completed, you will need to enter your mobile device number. It's important to have your phone with you to complete the enrollment process. An activation code will be sent to your device that you will need to enter on the next screen. When the activation code is received, enter it on the activation code screen and click "Activate".

The system will confirm activation, then you're all set!

When you have completed enrollment for SMS Text Messaging through Mobiliti, you automatically have access to text banking with Queenstown Bank. You can send short code text messages to 31727 and receive account information quickly and securely. It's a simple and convenient way to get the information you need about your account.

Text any of the following short commands to 31727 to receive information about your account(s):

BAL = Available account balances for all accounts activated during Mobiliti enrollment.
ATM + Street or Zip = Nearby ATMs based on information provided.
BRANCH + Street or Zip = Nearby Branches based on information provided.
HIST + Texting Nickname = Listing of items recently posted to your account.

Reply "HELP" to 31727 for help. Reply "STOP" to 31727 to cancel. Message and data rates apply.

Notifi™ Alerts for Mobile Banking

With our mobile Alerts, monitoring your account activity is easy. Let's say you'd like to know when the balance in your checking account is getting low. Just enter the amount to watch for, and If your balance ever drops below it, we'll notify you. You can add as many alerts as you'd like and you can remove them at any time. Real-time alerts are a simple yet powerful way to stay connected to your account information.

Frequently Asked Questions about Mobiliti™

Is Mobiliti secure?

Mobiliti employs industry best practices with regards to security and offers the following security safeguards: Authentication - Mobiliti App users are authenticated for every interaction with any Mobiliti component. Users are authenticated by user name and password. Encryption - 128-bit encryption is used for all transactions within Mobiliti and other Fiserv solutions (e.g., core banking and payment systems). Fraud - Mobiliti incorporates mechanisms such as transaction validation and transaction reconciliation processes to detect fraud. Availability/Resilience - Mobiliti is protected against malicious attacks through software and server hardening measures. Queenstown Bank of Maryland encourages our customers to use best practices when using mobile devices or tablets. Never share your banking information with anyone.
Protect Your Mobile Device or Tablet

Is my personal financial information stored on my phone?

No. Mobiliti™ does not save any files with personal or financial information on your mobile device or tablet.

Which accounts can I access using Mobiliti?

You can access any account you are a primary or direct owner of. During enrollment, you select which account you want to access via your mobile device or tablet. If at any time you wish to add or remove accounts from view in Mobiliti, simply log into Online Banking and click on Profile > Mobile Banking > Manage Devices.

How current is the account and transaction information?

When you view your account balance, you see the current available balance in your account. When you view transactions history, you see the most recently posted and pending transactions.

Can I add more than one mobile phone or tablet?

Yes. You can enroll several mobile devices or tablets for Mobiliti. To add a new phone, simply log into Online Banking and click on Profile > Mobile Banking > Manage Devices.

What if my phone number changes?

If your mobile number changes, no problem. Simply update your device information by logging into Online Banking and click on Profile > Mobile Banking > Manage Devices.

What if my phone or tablet is lost or stolen?

If your mobile device or tablet is stolen, no one can access your account without knowing your password. To prevent unauthorized access to your account, you can deactivate your phone by logging into Online Banking and clicking on Profile > Mobile Banking > Manage Devices.

How do I stop using Mobiliti on my phone or tablet?

To stop using Mobiliti, simply log into Online Banking and click on Profile > Mobile Banking > Manage Devices.

What if I get a new phone or tablet?

Getting a new phone or tablet is no problem. All you have to do is log into Online Banking and click on Profile > Mobile Banking > Manage Devices. From the device manager, you can resend any of the links needed and/or download the application again to install on your new phone or tablet.

Which phones can I use for Mobiliti?

iPhone, Samsung, HTC, LG and Motorola phones using an iOS or Android operating system are supported by Mobiliti.

Which tablets can I use for Mobiliti?

Models supported include these major brands: Samsung, Apple and Google.

Which mobile service carriers support Mobiliti?

Mobiliti works on all Tier I service carriers in the United States: AT&T, T-Mobile® and Verizon Wireless.

Mobile Deposit

Use our secure mobile app, Mobiliti™ to deposit your checks!

Make a deposit from your phone or tablet by following these easy steps:

Endorse the check you will be depositing with your name and “For QB Mobile Deposit Only”. (This endorsement is required for the mobile deposit).
Open your Queenstown Bank app, select "Deposit Check", choose the account to make your deposit, and carefully enter the check amount to ensure it matches the amount written on your check.
Flatten folded or crumpled checks and take a photo of the front of the check. Photograph the check against a background that gives you strong contrast. Also, ensure the whole check is visible, in focus, and well lit. If it’s clear, accept it.
Repeat this process for the back of the check.
Once both images have been captured, select next to continue.
Review your deposit and if correct, confirm it.

To view the Mobile Deposit tutorial on our online Education Center page, please click here.

Frequently Asked Questions About Mobile Deposit

What is Mobile Deposit?

Mobile Deposit is a convenient way to deposit funds with Queenstown Bank and is available to Queenstown Bank customers with our mobile banking application, Mobiliti, available in the Google Play and Apple iTunes stores. Mobile Deposit enables you to deposit checks directly into your account(s) by taking a picture of a check using your smartphone or tablet.

What are the benefits of using Mobile Deposit?

Convenience! Mobile Deposit allows you to deposit a check(s) 24 hours a day, 7 days a week, from anywhere. However, Mobile Deposit may not be the fastest way to access funds from your deposit. If you need quicker access to your funds, you may want to visit one of our office locations during business hours.

What mobile devices are supported?

Mobile Deposit is currently available for Android and Apple iOS devices.

Who can use Mobile Deposit?

Queenstown Bank customers who are enrolled in mobile banking, maintain an eligible personal checking or savings account, have downloaded the Mobiliti app and have accepted Queenstown Bank’s Mobile Deposit Agreement are eligible. Enrollment is not guaranteed as some restrictions may apply.

Is there a cost to use Mobile Deposit?

Currently, there is no charge for Mobile Deposit. We may assess fees or charges in the future, and you will receive notice of such fees or charges, as required by law.

Are there limits for deposits through Mobile Deposit?

The limit for Mobile Deposits is $5,000 per day.

What types of checks can I deposit through Mobile Deposit?

Personal and business checks payable in U.S. dollars drawn on a U.S. bank and payable to you can be deposited. Checks that cannot be deposited using Mobile Deposit include: Money Orders Charge Card Convenience Checks U.S. Savings Bonds Checks that are payable to another person other than the Deposit Account owner (third party checks) Foreign checks and those payable in a foreign currency Checks that are not dated, post-dated, or more than six months old Checks that were previously deposited and returned unpaid Checks in excess of $5,000 Checks drawn on the Bank account to which you are depositing Checks made payable to CASH Checks that have been altered, 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 that are payable jointly, unless deposited into an account in the name of all payees and endorsed by all payees Substitute Checks (as defined in the Check 21 Act) Checks or items on which a stop payment has been issued or for which there are insufficient funds Traveler's checks. Checks authorized over the phone and created remotely

When will I see the deposit into my account and when will my funds be available?

If you submit a deposit to us on a business day we are open, before 3:00 p.m. EST, the deposit will be processed that business day. Deposits made after 3:00 p.m. EST will be processed the next business day. Every day is a business day except for Saturdays, Sundays and federal holidays. Deposits are subject to verification and will not be available for immediate withdrawal. Deposits made using Mobile Deposit are not subject to funds availability requirements of Regulation CC. Funds deposited using Mobile Deposit will generally be available within 2 business days from the day of deposit. However, availability of funds deposited may be delayed for a longer period under certain circumstances. If a hold is placed on a deposit made through the Mobile Deposit system, you will be notified of the delay in availability of your funds.

Should I endorse my check and do I need a deposit slip?

Yes. Endorse the back of the check by writing your name as written on the front of the check, and “For QB Mobile Deposit Only” NOTE: Deposits may be rejected if not endorsed properly. There is no need for a deposit slip.

How will I know when my deposit is complete?

You can check the status of your deposit by tapping “Check Deposit History” in Mobiliti Mobile Deposit menu. The system will indicate whether the deposit has been accepted, rejected or is pending.

What should I do with the check after it has been deposited into my account?

When you confirm your deposit has been accepted, we suggest that you write on the front of the check: “Mobile Deposit” and the date of the deposit. Securely store the paper check until you view the deposit on your Online Banking account transaction history or on your statement. After 14 days, you are required to destroy the check by properly shredding the item.

Are check images saved on my device?

Check images are never saved on your smartphone or tablet. The images are securely transmitted to the bank in which the check is drawn, and digitally stored at the bank in accordance with the Check 21 Act, which allows financial institutions to process checks electronically.

What if I accidentally deposit the same check twice?

A check can only be accepted for deposit one time. Mobile Deposit has a duplicate detection tool that will alert you if you attempt to deposit an item twice. To help avoid any confusion, write Mobile Deposit and the date on the front of the check after you submit it for deposit. If you are concerned about a deposit you have submitted, please call any of our offices.

Can I deposit more than one check at a time?

You can deposit multiple checks in the same Mobile Deposit session; however, you may only photograph and submit one check at a time.

How can I ensure that the check images I take will be high quality?

When capturing the image, please: Place check on flat, dark-colored surface in a well-lit area Position device’s camera over check to minimize angles, glare and shadows Align the check with the four corners of the guide image, and not the corners of your screen Avoid objects and clutter around the check Hold the device steady

What if the check image I photographed is bad?

You have the option to retake photographs of the check before submitting or you may cancel the deposit. Also, the system will notify you if the image is unclear for processing. If you are unable to photograph a clear image, please bring your deposit to one of our branches for processing.

Which accounts can I use to make deposits?

You are able to deposit checks into your Queenstown Bank checking or savings accounts that have been enrolled in Mobiliti.

Who should I call if I have questions or need assistance?

Please contact any of our Queenstown Bank offices for assistance or contact the Operations Department at 410-827-8881.