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Glenn Rust - President & CEO of Virginia National Bank

Mobile Banking

What features are available through Mobile Banking?
How much does this service cost?
How do you enroll in Mobile Banking?
Where can you find VNB’s Apps?
How do I download VNB’s mobile banking application?
Does the Bank offer Mobile Deposits?
What is the difference between SMS Text Banking, Mobile Web, and Mobile App?
Is VNB’s Mobile Banking Secure?
What can you do to enhance your Mobile Banking Security?
Who do I contact if I need help?

What features are available through Mobile Banking?

  • Check balances
  • Access transaction history
  • Transfer funds between VNB accounts
  • Pay bills using “Bill Pay” for existing payees (for security reasons, new billers cannot be added through mobile banking, they must be added through Online Banking)
  • Mobile deposits
  • Locate banking offices or ATMs
  • Business Mobile Banking also offers authorized users the ability to approve transfers, wire transfers, ACH files, and Positive Pay items.

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How much does this service cost?

There is currently no charge associated with mobile banking.  However, there may be charges associated with text messaging and data usage on your device.  Check with your wireless provider for more information.

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How do you enroll in Mobile Banking?

  • You can enroll directly in mobile banking from the downloaded mobile app.
  • Mobile Banking uses your existing consumer online banking or business online banking credentials for logging in.  You must have an existing, active VNB online banking profile in order to use Mobile Banking.
  • You can also manage your devices in your online banking, under “Customer Service,” “Manage mobile banking settings.”

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Where can you find VNB’s Apps?

Consumers (iPhone/Smartphone): Product store name in iTunes/Play Store/Amazon Store = Virginia National Bank
Consumers (iPad/Tablet/Kindle): Product store name in iTunes/Play Store/Amazon Store = Virginia National Bank Tablet
Businesses (iPhone/Smartphone): Product store name in iTunes/Play Store/Amazon Store = VNB Business
Businesses (iPad/Tablet/Kindle): Product store name in iTunes/Play Store/Amazon Store = VNB Business Tablet

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How do I download VNB’s mobile banking application?

For iPhone or iPad:
a. Navigate to the App Store
b. Search for Virginia National Bank
c. Select "Install" to download the application

For Android:
a. Navigate to the Google Play Store
b. Search for Virginia National Bank
c. Select "Install" to download the application

For Kindle Fire:
a. Navigate to the Amazon Appstore and select Kindle Fire Apps
b. Search for Virginia National Bank
c. Select "Install" to download the application

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Does the Bank offer Mobile Deposits?

Yes!  Mobile Banking offers Remote Deposit Capture capability to submit check images for deposit.  You can take a photo of both sides of a check and submit the image for deposit. 

Consumers can deposit up to $2,500 a day via Mobile Deposit, with a maximum of 5 items per day. $5,000 aggregate per month in total mobile deposits, with a maximum of 10 total items per month.

Businesses can deposit up to $5,000 a day via Mobile Deposit, with a maximum of 5 items per day. $8,000 aggregate per month in total mobile deposits, with a maximum of 10 items per month.

You will receive an email acknowledging your deposit and a second email confirming the deposit was accepted or denied, including any hold details.

If you are a new VNB customer, you will not be able to enroll in Mobile Deposit during your first 30 days.

Treasury checks, money orders, or traveler’s checks cannot be deposited through Mobile Deposit.

There is a 4 PM EST cut-off time on business days we are open.Deposits submitted on weekends, federal holidays or after 4 PM EST Monday—Friday are processed on the following business day.

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What is the difference between SMS Text Banking, Mobile Web, and Mobile App?

SMS Text Banking allows users to send and receive text-only messages.  To use this feature, the customer must initiate the service through online banking to receive a SMS text and code to link the mobile device.  This service contains NO money movement features but provides instant real-time information such as balance and recent transactions.  This service is initiated through the Mobile Banking Center screen via internet banking.  All text messages should be sent to Virginia National Bank’s short code:  73955

Mobile Web is a mobile website and does not require the customer to download anything.  This feature is browser-based and may move a little slower than the Mobile App.  This service is initiated through the Mobile Banking Center screen via internet banking.  When using on-device enrollment, you may access the Bank's website by directly entering the URL in the browser at: https://m-mb5.mbanking-services.mobi/wap/home/722/en

Mobile App is a stand-alone mobile application downloaded onto your device.  This feature moves 3-5 times faster than a browser, and offers the most functionality.  Mobile Apps require internet banking login credentials. 

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Is VNB’s Mobile Banking Secure?

Yes, the mobile banking service utilizes best practices such as HTTPS, 128-bit SSL encryption, device profiling, biometric or password access and application time-out when your mobile device is not in use. Only the mobile devices that you personally enroll in the service can access your accounts. In addition, no account data is ever stored on your mobile device. And in the event your mobile device is lost or stolen, the service can be immediately disabled by either going online to the Mobile Banking enrollment website or calling us.

Lock-out occurs after three unsuccessful login or authentication attempts. After three attempts, the app is locked and you will have to login to online banking to unlock your access. The app goes inactive after five minutes.

Out-of-Band Authentication is used to verify your identity upon enrollment. A unique activation code is sent to your registered mobile device. You must enter this activation code to access your accounts initially.

Business Online Banking users who have tokens are required to use their tokens with Mobile Banking as well.

Business Online Banking users cannot initiate wire transfers or ACH files through Mobile Banking, authorized users can approve these transactions for processing via Mobile Banking.

You have limited ability to move your money outside of VNB. For example, you cannot transfer money to an external account with Mobile Banking. Also, new billers cannot be setup in Bill Pay using Mobile Banking; you may send money to existing payees only. This helps reduce the risk if your mobile device is compromised and the intruder attempts to send money to anyone else.

We offer free email and SMS message alerts regarding balances, transactions, etc. This helps you recognize unauthorized transactions.

You can disable Mobile Banking access to your mobile device(s) by using Mobile Banking Center via internet banking if there is a loss, theft, or misuse of your Mobile Banking device or suspicious activity on your account. You can manage new devices in the Mobile Banking Center in online banking as well.

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What can you do to enhance your Mobile Banking Security?

Lock your device. Set your smartphone and tablet to automatically lock. The password, PIN, Touch ID, or other biometrics authentication will protect your device so that no one else can use or view your information. Also store your device in a secure location.

Protect your tablet and smartphone – install and keep up-to-date anti-virus and firewall software purchased from trusted suppliers. It is important to update the software because new viruses emerge for which software providers create new barriers to deal with the new threats.

Clear your mobile device of text messages from banks especially before sharing, discarding or selling your device.

Never use text messages to disclose any personal information, such as account numbers, passwords or other personal information which could be used to steal your identity.

Do not store your banking PINs or passwords in your smartphone or tablet – this makes your account vulnerable if the device is lost or stolen.

Regularly clear your browser's cache – some mobile devices store copies of web pages that may contain your banking information.

Always log out of Mobile Banking sessions once you finish.

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Who do I contact if I need help?

Contact us at 877.817.8621 between 8:30 AM – 5:30 PM Monday – Friday.

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