Mobile Banking FAQs

Get the Answers to Your Nationwide Bank® Mobile Banking Questions

mobile banking

Mobile banking basics

What is Mobile Banking?

Nationwide Bank’s Mobile Banking offers three more ways to get convenient access to your checking, savings, money market and CD accounts. Sign up for Mobile Banking, and you can:

  1. Bank by mobile app. Download our app for even easier access to your accounts.
  2. Bank by mobile web browser. Visit from your registered smartphone or iPad to check your balance or transfer funds.
  3. Bank by SMS/text. Set up text alerts or text us for information about your accounts.

Can I search for specific checks with Mobile Banking?

Yes, you can search for checks by entering a range of check numbers into the “High Check #” and “Low Check #” areas, such as 2015 to 2000. If you’re looking for a specific check, enter the same check number into both areas.

Can I search for a specific deposit or withdrawal amount in the app?

Yes, we’ll ask you for a range to search for. If you know the specific amount, type that number into both the “High” and “Low” boxes.

What if I change mobile service providers?

For access to mobile web and SMS/text banking follow these steps:

For access to the Mobile Application follow these steps

If you experience any issues call us at 1-855-864-9751, Monday - Friday, 8 a.m. to 8 p.m. ET, and we’ll walk you through the process.

What if my mobile device is lost or stolen?

If you are concerned about misuse of your device, contact your mobile service provider immediately to stop all wireless service. Then sign in to online banking and disable or remove your device from Mobile Banking.

Enrollment FAQs

How do I sign up for Mobile Banking?

There’s no charge from Nationwide Bank to use Mobile Banking, but texting or browsing rates from your mobile carrier may apply. Get started with the steps below:

Why isn’t my activation code working?

Your activation code is good for 12 hours. After that, it expires. To get a new one, log in to your account and visit the Mobile Banking area.

I cancelled Mobile Banking, but I want it back again. Why am I getting an error message?

You’ll need to re-enroll in Mobile Banking by completing the following steps:

  1. Delete the app from your mobile device.
  2. Also clear your web history, cookies and cache. (On most devices, you can do this from your web browser settings.)
  3. Log in to your online banking account and click the Mobile Banking link on the left. Then, enter your mobile phone provider and your phone number, or email address if you have a tablet, to get an activation code for mobile web and SMS/text banking.
  4. Choose the Mobile Banking options that fit your needs:
  • Mobile Banking. Visit using your mobile browser and enter your activation code to complete enrollment. Be sure to bookmark this page for faster viewing later.
  • SMS/text Banking. We'll send you a text message. Text us back with your activation code to complete enrollment. After that, you can text C to 79680 to get a list of commands you can use to bank by text, or you can log in to your Nationwide Bank account to set up text alerts to keep track of your money.
  • Mobile Application. Confirm your mobile phone number is listed in your My Profile / My Information page when you first login to online banking. Download the Mobile Banking app (Mobile Banking is available from the App Store if you have an iPhone or iPad, and Google Play if you have an Android phone). The Nationwide Bank app will ask for your Nationwide Bank online User Name and Password. First time connections will be texted a one time confirmation code for logging in.

If you need additional help, call us at 1-855-864-9751.

I received an activation code but never used it. What do I do now?

The mobile web and SMS/text banking activation code expires after 12 hours. If you need a new one, log in to your Nationwide Bank account and request a new one under the Mobile Banking link.

If the one time confirmation code for your Mobile Application is not working, delete the application off your device, and download the application again to start the process over.

I did not receive a text or email message from Nationwide Bank. What should I do?

You should receive your message within a few minutes after enrolling in mobile web or SMS/text banking. But mobile carriers have been known to experience delays. Make sure your device has a wireless signal. Then check that you entered the correct phone number or email address on the enrollment site.

If you have not received a message in 10 minutes, come back online to the Mobile Banking Center and select Get Activation Code for your phone number.

Can I use Mobile Banking on more than one mobile device?

Yes. Log in to your online banking account to enroll (and then activate) another device.

Is Mobile Banking available for iPods or tablets?

Yes, you can bank by mobile web and by mobile app with an iPod touch or tablet. Because these devices do not include a phone number, follow these steps:

eDeposit FAQs

What is eDeposit?

Customers with a camera-enabled iPhone, iPad or Android smartphone can deposit checks to their account using the Nationwide Bank mobile app.

Who is eligible for eDeposit?

Customers who have a personal or business checking, savings or money market account are eligible to use eDeposit.

What types of checks can I deposit with eDeposit?

Most domestic checks can be processed through eDeposit. We are unable to accept money orders, foreign items, savings bonds or third-party checks through eDeposit.

Are there any limits on the dollar amount of deposits I can submit?

Yes. For each account, you can deposit up to 999 checks totaling not more than $10,000 per day. Any items presented in excess of the limits will be returned at our discretion.

Do I photograph both the front and the back of my check?

Yes. During the deposit process, you will be required to photograph the front and back of your check.

How do I endorse my check for eDeposit?

You should sign your check with the following endorsement:

For Nationwide Bank Mobile Deposit Only

How will I know if Nationwide Bank received my deposit?

In addition to receiving a confirmation on your mobile device, you will also receive a notification by email when your deposit has been received. You can always check the status of a deposit by accessing the “Deposit History Feature” from the eDeposit menu within the mobile banking app.

How will I know when Nationwide Bank processes my deposit?

When your deposit is processed, you will receive a second email notification on the status of your deposit. This email will indicate if the deposit was approved or declined for processing. If it is declined, a reason will be provided. You can always check the status of a deposit by accessing the “Deposit History Feature” from the eDeposit menu within the mobile banking app.

When will a deposit made through eDeposit appear in my balance?

If your deposit is approved before 3 p.m. ET weekdays, the amount will show in your balance on the next business day.

When will my funds be available?

Items submitted through the eDeposit service are subject to the Funds Availability Policy applicable to the relevant account.

Can I photograph more than one check at a time?

Only one check at a time can be photographed. You can, however, take multiple photographs in a session if you have more than one check to deposit.

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. If you are unable to photograph a clear image, please deposit your check in an ATM or mail your deposit to:

Nationwide Bank
PO Box 182049
Columbus, Ohio 43218-2049

Do I destroy my check after I photographed the deposit?

No, keep the check for 15 days to ensure it posts to your statement. After 15 days, you may securely destroy the check. Do not void the check after submitting it, in case the deposit is not approved and needs to be resubmitted.

Can I make my opening account deposit through eDeposit?

You can make your opening deposit through eDeposit for your personal or business checking, savings and money market account. Opening deposits for CDs cannot be made through eDeposit.

What if I submitted a deposit for the wrong amount? Do I need to resubmit the deposit?

No, you do not need to resubmit your deposit. If you entered the wrong amount for the deposit, our operations center will correct the deposit amount and you will receive an email with the details.

What if I submit the same deposit twice in error?

If the same deposit is submitted twice, it will be identified and stopped during processing. Should this occur, you will receive a declined deposit notification for the second deposit received through eDeposit.

A check I submitted was returned. Can I resubmit it?

If a deposit is returned, please do not redeposit the check with eDeposit. You will receive written communication from Nationwide Bank through the U.S. Postal Service if a deposit is returned.

What if I need additional information about eDeposit?

For additional assistance, please call Nationwide Bank at 1-877-422-6569, Monday – Friday, 8 a.m. – 8 p.m. ET.

Mobile bill pay FAQs

What is Mobile Bill Pay?

Mobile Bill Pay allows you to pay bills using your smartphone or iPad, which saves you time, envelopes and stamps. With Mobile Bill Pay, you can pay bills on the go, anytime, anywhere.

In what modes can I access Mobile Bill Pay?

Mobile Bill Pay is available through our mobile app and mobile web services. It is not available through SMS/text banking.

Where do I enroll for Mobile Bill Pay?

There is no enrollment for Mobile Bill Pay; the service is available to you after you’ve enrolled in Mobile Banking. Please note that you must set up payees in Online Bill Pay before you can make payments using Mobile Bill Pay.

How do I pay a bill?

To pay a bill, select the “Payment” option from the main menu, then select “Pay Bills.” Here, a simple flow guides you through choosing the “Payee,” “Due By Date” and “Pay Bill From” account. Then you will enter the Payment Amount and optionally enter a Memo. Please note that you can only make payments to payees already created in Online Bill Pay.

How are payments made?

Only you may create and authorize a payment. Depending on the payee’s capabilities, payments are issued via paper checks or electronically. Both payment forms include remittance information to ensure your payee may credit your account.

Can I add a payee on my mobile device?

No. You must add payees through Online Banking.

How do I deactivate a payee?

You may manage your payees, including deactivation, by logging in to Online Banking and accessing the list of payees.

How do I cancel a payment on my mobile device?

To cancel a payment, select the “Payments” option from the main menu, then select “Scheduled Payments.” The system will respond with a list of payments currently scheduled and unpaid. The list includes payments made via Online Bill Pay and Mobile Bill Pay.

Choose the payment you wish to cancel. The system will display the payment details. From this screen, select “Cancel Payment.” The system will ask you to confirm that you wish to cancel the payment.

How may I see previous bill payments on my mobile device?

To view previously paid bills, select the “Payments” option from the main menu and then select “Recent Payments.” Your display will refresh with a list of completed bill payments in a summary format. Select an item to see the payment’s details. The list includes payments made via Online Bill Pay and Mobile Bill Pay.

How do I handle a dispute with a payee?

If you have an issue with a bill or a specific item on the bill, contact the payee directly. Remember, you may pay whatever amount you desire in Bill Pay while you are disputing any item.


What are the text message commands I can use?

Use the following list to help you bank by text. You can always text C to 79680 to have a list sent to your phone.

Command Code Definition
Balance B Available balances for all accounts
History H Recent transactions per account
Command C List of text banking commands
Help HE Help for text banking
Login L Get a link to log in to Mobile Banking
Recover R Get a new activation code for Mobile Banking
Stop S Stop Mobile Banking texts and alerts

When will I receive the SMS/text alerts I’ve signed up for?

Many SMS/text alerts are immediate, but some transactions take a little more time to process. You’ll receive these alerts between 9:30 and 10 p.m. ET. These include:

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