Online Banking  |  Mobile

 Business Banking

 Interest Rates

 Account Switch Kit  |  Instructions

Cumberland Security Bank 107 South Main Street Somerset, KY 42501

Copyright 1998-2013 Cumberland Security Bank. All rights reserved.

Welcome to Cumberland Security Bank's Mobile Banking
Frequently Asked Questions

Mobile Banking

Text Banking



How much does this service cost?
There is currently no charge associated with the service. However, there may be charges associated with text messaging and data usage on your phone. Check with your wireless phone carrier for more information.

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

Despite the built-in security features of mobile banking, it is a best practice to install software on your phone to prevent viruses, spyware, and other malicious software from compromising your phone. Smartphones are susceptible to the same security risks as computers, so the same precautions must be taken to protect them as well.

Which wireless carriers are supported?
We support all the popular US wireless 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.

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 them. Please check with your wireless carrier for more information.

I'm not enrolled for Online Banking. Can I still use this?
You must first enable your bank account(s) for Online Banking before using mobile.

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 Text or Mobile Banking on your device. We recommend you print your activation code and installation instructions for easy reference during installation.

Mobile Banking

What is Cumberland Security Bank Mobile Banking?
Mobile banking gives you access to your accounts from your mobile web browser or a downloadable mobile banking application, depending on your preference and your phone capabilities. Both options allow you to view account balances, search recent account activity, transfer funds, and find nearest ATM or branch locations anytime, anywhere.

How do 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 Alternatively, you may simply visit and click “Mobile” next to the Online Banking link.

How do I sign up for Mobile Banking?
Sign in to Online Banking on your computer and choose the User Services page. Under the Manage Account section, select the Mobile Enrollment option. Enroll your mobile phone and follow the activation instructions.

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 activated. The cookie is only visible by the Mobile Banking system and does not contain personal information. Some phones may require you to enable cookies or periodically erase them, requiring reactivation. If you are experiencing this issue, check your phone settings to ensure that cookies are enabled. If cookies are enabled and the issue persists, please contact your mobile network carrier for cookie support information on your mobile phone. If you would like to reactivate, text R or RECOVER to 96865.

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.

Is Mobile Banking supported on my phone?
Mobile Banking is supported on most all phones with a mobile web browser that supports cookies. In addition, the downloadable application (available from the Mobile Banking site on your phone -- is supported on the following devices:

Tilt 8925

Bold 9700
Bold 9000
Curve 8520
Curve 8300
Curve 8310
Curve 8900
Pearl 8100
Pearl 8120

Q9h Global
Duo C810

BlackJack II i617
Epix i907
Jack i637

Bold 9650
Curve 8350
Curve 8330
Pearl 8130
Tour 9630



Treo 800w
Treo Pro

i325 Ace

Bold 9650
Curve 8350
Curve 8330
Pearl 8130
Pearl Flip
Tour 9630

Bold 9700
Curve 8320
Curve 8520
Curve 8900
Pearl 8120
Pearl Flip

T Mobile
Dash 3G

Apple Devices – Mobile Banking supports all iPhone devices.
Android Devices – A Mobile Banking application for Android phones is available in the Google Play Store.

How do I install the downloadable application?

For iPhone® and supported BlackBerry® devices:

  • Your phone will receive a text message from 96865. Select to view (or open) the message (you can also view it later by going to your phone's text message inbox).
  • Select the URL link -- -- in the text message. This is typically done by selecting a command on your phone's menu, such as "Connect" or "Go To."
  • You will then be brought to the Mobile Banking home page. If your phone is supported for use with this application, you will see a Download link. Click this link to download the application.
  • When finished, you will be notified that the download completed.
  • Open the CSB Mobile app. On the activation screen, choose “I have one” and then enter your cell phone number and the activation code you received when you enrolled in Mobile Banking.
  • After launching the application for the first time, you may be asked to give permission to access the data network. You will need to grant permission in order to proceed.
  • Blackberry Users with Supported Devices: Your default browser needs to be set to Internet browser instead of the Blackberry browser in order to download this app.

For Android devices:

  • Go to the Google Play Store and search for Cumberland Security Bank. Download and install the CSB Mobile application.
  • Open the CSB Mobile application. On the activation screen, choose “I have one” and then enter the activation code you received when you enrolled in Mobile Banking and your cell phone number.
  • You are now activated to use the application!

Text Banking

What is Cumberland Security Bank Text Banking?
Text banking gives you access to your accounts via text (SMS) messages on your phone. It's a fast, easy way to look up account balances or recent account history by sending a text command to a shortcode.

What is Cumberland Security Bank shortcode?
All text messages should be sent to 96865.

Can I use both Text Banking and Mobile Banking on my phone?
Yes, you can use both options from the same phone. To do so you will need to activate each option on your phone prior to use.

Is Text Banking supported on my phone?
Text Banking will work on any text message (SMS) capable phone from one of our supported carriers.

Will I receive unsolicited text messages?
No. You will only receive messages when you specifically request them with one of the Text Banking commands.

What are the Text Banking commands?

Summary of available balances for all accounts
Balance (Specific account)
B #
Receive the balance of a specific account using the account number assigned by Text Banking. Example - B 1
Summary of recent transactions per account
History (Specific account)
H #
Receive the transaction history of a specific account using the account number assigned by Text Banking. Example - H 1
List of available Text Banking commands
Help content for Text Banking
Receive a URL for the Cumberland Security Bank Mobile Browser website
De-activate all Cumberland Security Bank text services
NOTE: You can check for additional available commands by activating your phone and sending C to 96865.


I enrolled my phone number but did not receive a text message. What should I do?
Typically you should receive a text message within a few minutes after enrolling, however sometimes mobile carriers experience delays which slow down text message delivery. While waiting, make sure you phone has wireless signal. In addition, be sure you entered the correct phone number on the enrollment site. If you still do not receive it, contact your wireless carrier to be sure text messaging is enabled on your phone.

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 (called the Mobile Banking Center) and request a new activation code.

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 Center. We recommend removing your old phone and re-enrolling your new phone.

Can I use Mobile Banking or Text Banking on more than one phone?
Yes. Visit the Mobile Banking Center and simply enroll (and then activate) another phone number.

I activated Mobile Banking on my phone's browser. Why am I being asked to activate again?
At the time of activation on your phone's browser, a cookie is generated which always tells the Mobile Banking system that you activated (thus allowing you to proceed to the sign on screen). However, some mobile phones will periodically erase all cookies, requiring you to reactivate.

What if my device is lost or stolen?
If you are concerned about misuse of your phone, contact your mobile service provider immediately to stop all wireless service. Additionally, sign on to Online Banking and disable or remove your phone.

Do I need to re-enroll into mobile banking after I purchase a new phone?
Yes. You must re-enroll into mobile banking after you purchase a new phone. Sign in to Online Banking on your computer and under User Services choose the Mobile Enrollment option. Enroll your mobile phone and follow the activation instructions.

Do password reset requirements for online banking affect my ability to perform mobile banking functions?
Cumberland Security Bank requires online banking customers to reset their password periodically. If you do not reset your online banking password as required you will be unable to perform certain mobile banking functions.

BlackBerry Support – Enabling JavaScript
Without JavaScript enabled on your BlackBerry, you may not be able to view parts of the Mobile Banking mobile web browser (WAP). Users can manually activate JavaScript. See below for step by step instructions.
  1. Press the “Menu” button to open the BlackBerry’s main application menu.
  2. Click “Browser” to open the BlackBerry web browser.
  3. Press the “Menu” button again while in the browser.
  4. Select “Options” and click “Browser Configuration.”
  5. Put a check mark next to “Support JavaScript.”
  6. Press the “Menu” button.
  7. Select “Save” to save your settings.

Please Note: In order to use mobile banking you must disable the BlackBerry default browser and enable the Internet browser.