Vectra Bank Colorado

Mobile Banking

Mobile Banking

Bank wherever you are, whenever you want with Vectra Bank’s Mobile Banking.

Vectra Mobile Banking* Frequently Asked Questions

I. General

What is Vectra Mobile Banking?

Mobile Banking provides anytime access to your eligible account(s) from select mobile phones and devices. Simply take your banking with you whenever and wherever you are. With Mobile Banking, you can:

  • View account balances
  • Search recent account activity
  • Transfer funds between eligible accounts
  • Pay bills to existing payees
  • Deposit checks to eligible accounts
  • Find ATM and Branch locations
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How do I sign up for Vectra Mobile Banking?

Download and launch the mobile application. Or visit m.vectrabank.com from your mobile web browser. When prompted, enter your Online Banking Login ID and your password. The first time you sign in, you’ll be required to accept the Mobile Banking Service Agreement. You may also be prompted to enter your mobile phone number. If you have any questions, please contact a Vectra Bank Customer Service Representative at 1-800-884-6725.

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What security measures help protect my transactions through the
Vectra Bank mobile application and mobile web browser?

Communication between the device and the bank is protected using SSL Encryption.

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What is the difference between a mobile application and a mobile
web browser?

With mobile web browser, you use the web browser from your mobile phone to access your account information. Mobile applications can be downloaded to your mobile phone or device. These applications provide an experience optimized for iPad®, iPhone®, iPod® Touch, Android™ Smartphones, Android™ Tablet and Kindle Fire™ Tablet devices.

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What is needed to use Vectra Mobile Banking?

You’ll need an account that’s enrolled in Online Banking and a mobile device that can access the Internet or download applications.

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Do I need a data plan?

A data plan is strongly recommended because data usage charges by your carrier can become expensive without a plan. Please check with your wireless carrier for more information.

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Is there a charge to use the Vectra Mobile Banking service?

There’s currently no charge for the Mobile Banking service; however, ordinary bank fees under other agreements still apply (i.e., funds transfer that results in an overdraft charge). Also, your wireless phone carrier may have data or messaging charges. Check with your wireless phone carrier for more information.

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Do I have to enroll each mobile phone or device that I want to use with
Vectra Mobile Banking?

Yes. Enrollment is a one–time process for each mobile phone or device that you want to use to access Mobile Banking.

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How many users can enroll in Vectra Mobile Banking on a single mobile
phone or device?

Each mobile phone or device supports one enrolled user.

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What if I suspect that my mobile device may have been used to make an
unauthorized transfer from my Vectra Bank account?

Immediately call Vectra Bank Customer Service at 1-800-884-6725 to report the unauthorized transfer as soon as you discover or suspect it. The agreements and rules that govern suspected or actual unauthorized transfers through Online Banking, such as deadlines to report unauthorized transactions, also apply to transfers made through Mobile Banking via use of a mobile phone or device. Please see your Online Banking Agreement, your Deposit Account Agreement, and your account statements for further information. Also, see any agreements governing the specific affected account (e.g., credit card agreements). Where applicable, those documents include information regarding special rights of consumers, such as those in cases of unauthorized transfers from consumer deposit accounts under Regulation E and/or consumer credit accounts under Regulation Z.

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II. Mobile Web

What is mobile web?

Mobile web uses the web browser from your mobile phone or device to access Mobile Banking. Type m.vectrabank.com from your mobile web browser to access Mobile Banking.

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Is there a cost to use the mobile web?

Vectra Bank does not charge for using the mobile web to access Mobile Banking; however, ordinary bank fees under other agreements still apply (i.e., funds transfer that results in an overdraft charge). Also, your wireless phone carrier may impose data or messaging charges. Contact your mobile services provider for any charge that may apply to web browser usage on your mobile phone or device.

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How do I access Vectra Mobile Banking from my mobile phone or
device browser?

Enter m.vectrabank.com into the web browser on your mobile phone or device.

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How do I optimize my mobile web experience?

The following three steps are recommended for an optimal web experience:

  1. Ensure your smart mobile phone or device browser has cookies enabled.
  2. Enable style sheets on your browser. Style sheets are used on web pages to define the design and layout of the page.
  3. Bookmark the Vectra Mobile Banking site.(m.vectrabank.com).

Generally, these settings are found in the web browser settings menu on your mobile phone or device. Refer to the user guide that came with your mobile phone or device for more information.

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Is mobile web banking supported on my mobile phone or device?

Mobile web banking is available on most mobile phone or devices that have the capability to browse the Internet and support cookies. Refer to the user guide that came with your mobile phone or device for more information.

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III. Mobile Banking Applications

What are mobile applications and how do they compare to mobile web?

With mobile web, you use the web browser from your mobile phone or device to access Mobile Banking. Mobile applications, on the other hand, can be downloaded directly to your mobile phone or device. These applications provide an experience optimized for iPad®, iPhone®, iPod® Touch, and Android™ Smartphones, Android™ Tablet and Kindle Fire™ Tablet devices.

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Where do I access and download the mobile application for iPad
and iPhone?

The Vectra Mobile Banking iPad and iPhone applications can be downloaded for free from the Apple App Store using your mobile phone or device.

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Where do I access and download the mobile application for an
Android device?

The Mobile Banking Android applications can be downloaded for free from the Google Play Store using your mobile phone or device. The Mobile Banking Kindle Fire™ Tablet application can be downloaded for free from the Amazon Store.

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Is the Vectra Mobile Banking application supported on my mobile
phone or device?

The downloadable application is available for iPad®, Android™ Tablet and Kindle Fire™ Tablet and most smartphones, including iPhone® and Android™ devices. Enter m.vectrabank.com into the web browser on your mobile phone or device. If a downloadable application is supported for your mobile phone or device, a link to download the application will appear.

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IV. Troubleshooting

What do I do if I get a new mobile phone or device?

Simply download and install the Mobile Banking Application on your new phone or device. We recommend you also remove your old mobile phone or device by clicking on the “Mobile Banking” link from the Services tab within Online Banking.

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What happens if my Vectra Mobile Banking application is deleted
from my phone?

Simply download and install the Vectra Mobile Banking application again. You won’t likely need to re-enroll, simply log in once the app is on your phone again.

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Can I access Vectra Mobile Banking from a web browser and downloadable application on the same mobile phone or device?

Yes.

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I previously enrolled in Mobile Banking on my mobile phone or device’s browser. Why am I being asked to enroll again?

During enrollment, a “cookie” is stored on the web browser of your mobile phone or device. This cookie allows the Mobile Banking system to remember that you enrolled. Some mobile phones and devices may require you to enable cookies or periodically erase them–requiring you to re-enroll. If you are asked to re-enroll, check your mobile phone or device settings to ensure that cookies are enabled. If cookies are enabled and the situation persists, please contact your mobile network carrier for cookie support information on your mobile phone or device.

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What if my mobile phone or device is lost or stolen?

Immediately log in to Online Banking, choose “Mobile Banking” from the Services tab, and remove your mobile phone or device from the Mobile Banking Management page. For additional assistance, contact Vectra Bank Customer Service at 1-800-884-6725. If you later find your mobile phone or device, you can re-enroll that same mobile number.

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How do I delete or uninstall the Vectra Mobile Banking application from
my mobile phone or device?

To delete or uninstall the application from your mobile phone or device, follow the instructions below. Refer to the user guide that came with your mobile phone or device for more information, or contact your mobile phone or device manufacturer or authorized dealer.

iPhone® or iPad®

  1. Press and hold any application icon until all the icons begin to “wiggle.”
  2. Tap the little “x” in the upper-left corner of the app you want to delete. A dialog box appears, informing you that deleting this app will also delete all its data.
  3. Tap the Delete button.

Android™

  1. Open the Google Android™ Menu.
  2. Go to the Settings icon and select Applications.
  3. Click on Manage.
  4. You’ll see a list of installed applications.
  5. Select the application you want to uninstall, and click the Uninstall button.
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V. Mobile Deposit

What is mobile Check Deposit?

Mobile Check Deposit is a convenient, easy way to deposit checks from your mobile device into one of your eligible accounts. With the Mobile Banking app on your iPhone®, iPad®, Android™ Smartphones, Android™ Tablet or Kindle Fire™ Tablet, you can take a photo of your check, enter the check information and securely submit your deposit for processing. Checking, Savings and Money Market accounts are eligible for mobile Check Deposit.

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How do I deposit a check?

  • Before you begin, endorse the back of the check with your signature.
  • Sign in to Mobile Banking and select “Check Deposit” from the main menu.
  • Select the “Deposit” button and then select the “Front” or “Back” camera icon to take a photo of your check.
  • You should make sure your check is placed on a dark, well lit, flat surface. Tap the camera icon in the viewfinder to take the picture. If the preview looks correct, select the checkmark button. If not, simply tap the retake icon and try again.
  • After you have successfully taken a photo of the front and back of your check, you will see small thumbnail image previews on the check deposit screen.
  • In the “Amount” field, enter the amount of the check you are depositing. Be certain the entered amount matches the amount on the check.
  • Tap the “Deposit To” field to select a deposit–eligible account.
  • After all the required fields are complete, select the “Continue” button.
  • Review your entries and then select the “Confirm” button to finalize and submit your check deposit request.
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Is there a bank fee to deposit my check with my mobile device?

Fee may apply. See personal account terms for all fees, conditions and terms. There may be charges associated with text messaging and data usage on your phone or tablet. Check with your wireless phone carrier for more information.

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Are there transaction limits with Mobile Deposit?

Yes. Mobile Deposit limits are as follows:

  • Accounts 60 days old or newer: $1,000 per day, $2,500 rolling 30-days
  • Accounts older than 60 days: $2,500 per day, $5,000 rolling 30-days
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Are my checks deposited immediately?

Successfully submitting your check image with your mobile device will begin the deposit process. The processing time to complete the deposit may vary. Funds deposited before 7:00 p.m. MT on a business day (every day except Saturdays, Sundays, and federal holidays) are generally available for withdrawal on the first business day after the day of the deposit. If you submit a check for deposit after 7:00 p.m. MT, or on a day we are not open, we may consider that the deposit was made on the next business day we are open. If your deposit is declined, we will email you a notice by the first business day after the day we receive your deposit. Deposits may be subject to additional holds. View your “Recent Activity” to see your deposit status.

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How do I view my deposit history?

  1. Sign in to the Vectra Mobile Banking application and view the main menu.
  2. Select “Check Deposit” and then “Recent” deposits.
  3. Click on a single deposit to view the available transaction detail.
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What should I do with the hard copies of my checks?

After successfully submitting a deposit, you should mark the check as ”deposited“, retain the check for 30–days, and then securely destroy the check.

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**Important Details**
*Must be enrolled in Online Banking to use Mobile Banking. Message or data rates from your wireless provider may apply.

Trademarks: iPhone®, iPod touch®, and iPad® are registered trademarks of Apple Inc. Android™ is a trademark of Google Inc. Vectra Bank does not claim any ownership or exclusive rights to the use of these trademarks.