Wireless Banking
Frequently Asked Questions
To help you understand SEFCU’s Wireless Banking service, we have developed the following Frequently Asked Questions (FAQs).

Q. What is wireless banking?
A. Wireless banking is a free service offered through SEFCU that enables you to perform selected SEFCU OnLine banking functions remotely using your Internet-enabled mobile device, such as WAP phones, PalmOne OS device, Pocket PC device, or RIM Blackberry device

Q. Which mobile devices are supported by SEFCU’s Wireless Banking service? 

A. You can access SEFCU’s Wireless Banking service from any Internet-enabled mobile device, such as WAP phones, PalmOne OS device, Pocket PC device or RIM Blackberry device.
Note: The devices must have an Internet connection.

Q. What transactions can you perform with wireless banking?
A. With wireless banking you can access your account information, perform transfers, pay bills and view transaction histories on supported devices.

Q. How do I begin using the wireless banking service?
A. To begin using SEFCU's wireless banking service, you must first be a registered SEFCU OnLine user. Then simply enter http://wireless.sefcu.com into the browser of your Internet-enabled wireless device and then log in using your SEFCU OnLine account number and password.

Q. How do I know if my device is able to support wireless banking?
A. Contact your wireless provider to see if your device is equipped with wireless service capability. Many providers will send you a test message to verify that the service is working.
Q. Is there a charge for the wireless banking service? 

A. SEFCU does not charge to access your SEFCU account via the wireless banking service. However, you must have a wireless service provider and they may charge you for the minutes used while accessing your account.

Q. What does SEFCU’s Wireless Home Banking service include?
A. SEFCU’s Wireless Home Banking includes the following SEFCU OnLine services:
 • Account Summaries
 • Account Transaction History
 • Transfers
 • Pay Bills
 • View Pending Bill Payments
 • Cancel Pending Bill Payments
 • View Bill Payment Histories

Q. Who is SEFCU’s wireless application service provider for SEFCU’s Wireless Home Banking?
A. MShift powers SEFCU’s Wireless Home Banking. For more information on MShift, visit their web site at http://www.mshift.com

Q. What is a Web-enabled phone (WAP Phone)?
A. A Web-enabled phone is one that has a micro-browser built in. It is designed to access specially developed Web sites right on the phone.

Q. How do I know if my phone is a Web-enabled phone?
A. Most Web phone manufacturers will either say there are Web-enabled or that there is a browser built into the phone.

Q. How do you access information using a Web-enabled phone?
A. Web-enabled phones use hyperlinks to access wireless Web sites. You will need to input the wireless web link into your phone by typing it in on the number/key pad.

Q. Where do I find the hyperlink for a Web-enabled phone?
A. Usually the hyperlink for Web-enabled phones can be found in the summary of your profile.

Q. Do I have to type the hyperlink address every time I want access?
A. Most phones allow you to save bookmarks so you don't have to type the address each time. The easiest method for setting up bookmarks is using the carrier's Web site. Log in to your account on the Web and look for "Manage Device" or "Web links" or "Bookmarks" to find a tool for inputting your URL. Using the Web and a PC is typically much easier than inputting on the WAP device directly. If there is a choice 

for http:// or https://, choose https:// or be sure to input it as part of the URL. You must use https:// for security reasons.

Q. What are wireless web minutes and is there a charge to access?
A. Your wireless carrier may sometimes charge a separate fee for web access. Usually, they do this in the form of web minutes. You must have signed up for web access with your carrier to use this service.

Q. What does it mean when you get a "Bad HTTP Status" or "Cannot connect to service" error when accessing an account with your WAP phone?
A. These and similarly worded errors will be seen when your phone is having difficulty connecting to the Internet. The cause could be a problem your service provider is having or it could be low signal strength. The exact wording of the error messages will differ slightly between telephone manufacturers and service providers, and they may be accompanied by an error code. If you get the error persistently you should contact your wireless service provider.

Q. How can I verify that a cell phone is a web-enabled digital phone?
A. Call your wireless provider to verify that the phone is web-enabled.

Q. How can I verify that I have signed up for wireless web minutes/service with my wireless carrier?
A. Call your wireless provider to verify that you have signed up for wireless web minutes/service.

Q. How can I verify that I am in a digital coverage area?
A. Check your phone to see if it shows you are in a digital coverage area. If you cannot tell from this, call your wireless carrier to find out the digital coverage area available to you.

Q. WAP (Wireless Application Protocol)?
A. WAP stands for Wireless Application Protocol, a data protocol specifically designed for wireless phones. The Internet protocol that is similar in a “wired” network is HTTP which carries web pages to your browser. In simple terms, WAP is simply a transmission protocol that carries data. WAP phones have a micro-browser that enables them to surf the web in a limited fashion. WAP enabled phones can view special web pages programmed in a language called WML.

Q. WML (Wireless Markup Language)?
A. WML stands for Wireless Markup Language and is very similar to although more limited than the HTML used on the web. The WML pages are transmitted to your digital cell phone using the wireless protocol WAP.

Q. How does SEFCU’s Wireless Banking handle Security? 

A. SEFCU’s Wireless Banking is encrypted using the Wireless Transport Layer Security (WTLS) protocol, which provides the highest level of security available today. Additionally, all data that passes between the wireless gateway, MShift’s Servers and SEFCU’s web servers is encrypted using the Secure Socket Layer (SSL) layer.