goMobile Banking - Frequently Asked Questions

Mobile Banking Q&A—UPDATED 8/30


Q. What is goMobile Banking?

goMobile lets you access and manage your bank account, bill pay and credit card accounts using one app, allowing you to view transactions, pay bills to companies and/or individuals, transfer money and make deposits from anywhere at any time. Our new and improved goMobile provides you with real-time access to your bill pay account, bank accounts AND credit card accounts that you can add in as you choose.

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Q. How do I download the mobile banking app?

Go to the iTunes App Store® (Apple® iPhone or iPad®) OR Google Play™ store (Android phone or tablet), search for ‘Institution for Savings’ and follow the steps to download.

Q. Are there any requirements to use the app?

In order to use the mobile banking app:

Q. How do I start using my app?

Follow these simple steps:

  1. Touch the app icon on your home screen.
  2. Follow the on-screen guide and enter your account information.
  3. For additional security, you will also be asked to create a four-digit passcode. The passcode will be required each time you launch the app.

If you cannot remember your login information, please contact us for assistance.

Q. Is there a fee to use goMobile Banking?

No. goMobile Banking, along with Internet Banking, is free to our customers. Your wireless service provider, however, may charge a fee for text messages and internet access.

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Q. How do I add a Company or Individual as a payee?

To add a payee, simply:

  1. Select ‘Bill Pay” from the menu
  2. In the Payees section, select the “+” icon
  3. Select ‘Company’ or ‘Person’ as the payee type
  4. Enter the required information. For a company, this information can be found on your bill or statement.

Q. How do I pay a bill?

First, add the company or individual as a payee as outlined above.

Once you add a person as a payee, follow these steps to send a payment:

  1. Select “Bill Pay” from the menu
  2. Select “Make a Payment”
  3. Select the payee you want to pay
  4. Enter payment amount, choose the pay-from account and select payment date

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Q. How do I make a deposit?

You must first apply for and be approved to use goMobile Deposit.

To apply:
In the app, click on ‘Deposit Check’ in the Menu and follow the onscreen prompts to apply.

One you have been approved you can begin making deposits according to the limits set for your account (see website for more information).

To make a deposit:

  1. Select “Deposit Check” from Menu.
  2. Choose account where the deposit should be made OR add a new account by clicking on the ‘+’ sign.
  3. Enter the Check Amount
  4. Confirm account for the deposit.
  5. Take photo of check front with your device camera and hit ‘Continue.’
  6. Take photo of check back, making sure you have included your signature, account number and ‘For Deposit Only.’ Hit ‘Continue.’
  7. Click ‘Submit’

Once your transaction has been processed a pop-up window will appear confirming your transaction has been submitted successfully. You will also receive an email confirming your transaction. Important Note: if you do not receive an email confirming your transaction you should check your SPAM folder and take steps to ensure that future emails from this address are not blocked.

Q. What should I do with the check I deposited?

Do not throw your check away! After successfully submitting a deposit withgoMobile Deposit, you should retain the original check until final settlement of the item should there be any dispute that the image does not satisfy legal equivalency requirements. We recommend keeping the check for 14 days.

Q. Will these funds be immediately available to me?

Successfully submitting your check images with your mobile device will begin the deposit process; however, these funds will not be immediately available to you. The processing time to complete the deposit may vary. Deposits made throughgoMobile Deposit prior to 7 p.m. Monday through Friday will be posted and available to you the next business day.goMobile Deposits made after 7 p.m., on weekends and holidays will be posted and made available to you on the second business day following the electronic submission of the deposit.

If your deposit is declined, we will e-mail you the notice by the first business day after the day the deposit is received.

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Q. What does Tagging a Transaction mean and how do I do it?

Tagging a transaction allows you to quickly locate your purchases by adding a descript name.

To tag a transaction:

  1. Select “Accounts” from the menu.
  2. Select an account.
  3. Select “Transactions.”
  4. Select the transaction you wish to tag.
  5. Click “Add tags.”

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Q. How do I add my credit card account to my app?

goMobile Banking now allows you to view all your financial information, including non-Institution for Savings credit card accounts, in one place. To add an account:

  1. Select “Accounts” from the menu
  2. Select the “+” icon
  3. Type the credit card institution name in the “Search” box
  4. Select your institution from the list
  5. Enter your login credentials to add the account

Q. How will I know my deposit was processed correctly?

You will receive two types of notification that your deposit has been successful. First, a pop-up window will appear confirming your transaction. You will also receive an email confirming your transaction. Important Note: If you do not receive an email confirming your transaction you should check your SPAM folder and take steps to ensure that future emails from this address are not blocked.

Q. What types of checks are not eligible for goMobile Deposit?

Q. Are there transaction limits with goMobile Deposit?

Yes, as follows:

Existing Customers (customers with established accounts for more than 6 months)

Daily: $3,000 and up to 5 Items
Monthly: $10,000 and up to 20 Items
New Customers (customer with established accounts for less than 6 months)

Daily: $500 and up to 5 Items
Monthly: $2,500 and up to 20 Items
New Customers may request a limit increase from the Bank after 6 months. Daily and monthly transaction limits apply per customer, not per account. If you have multiple accounts these daily and monthly limits will apply.

Q. Can I deposit money orders?

It is not recommended because of the quality of many of the images.

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Q. How do I transfer money between accounts?

  1. Select “Transfer” from the menu
  2. Select “Make a Transfer”
  3. Input your amount
  4. Select “Submit”
  5. Review and select “Approve” if correct

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Q. How can I prevent others from using the mobile banking app on my phone?

Access to goMobile from your device can only be done using your device’s Touch ID unique to you OR the four-digit passcode that you will be asked to create upon initial set-up. Please keep your passcode private for your protection.

Q. Who will see my bank information?

Only you and any other signers on your account will see your bank information. Your information is never shared with a third party or another financial institution.

Q. What happens if I change my password in online banking?

If you update or change your online banking password, you will be asked to re-authenticate your identity within the mobile banking app. After successful re-authentication, you may continue app usage.

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