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Mobile Banking Questions and Answers

Vectra Mobile Banking and Vectra Mobile Business Banking
Frequently Asked Questions

I. General

What are Vectra Mobile Banking and Vectra Mobile Business Banking?

Vectra Mobile Banking and Vectra Mobile Business Banking provide anytime access to your eligible Vectra account(s) from your mobile phone or device. Simply take your banking with you whenever and wherever you are. With Vectra Mobile Banking and Vectra Mobile Business Banking, you can:

  • View account balances
  • Search recent account activity
  • Transfer funds between eligible accounts
  • Pay bills to existing payees
  • Search for Vectra Bank ATM and branch locations

How do I sign up for Vectra Mobile Banking or Vectra Mobile Business Banking?

Download and launch the mobile application. Or, you can visit m.vectrabank.com or m.vectrabank.com/mobilebusiness from your mobile web browser. When prompted, enter your Online Banking Login ID or Business Online Banking Company ID-Login ID and enter your password. The first time you sign in, you will be required to accept the Mobile Banking Service Agreement. You may also be prompted to answer one of your challenge questions and enter in your mobile phone number.

If you have any questions, please contact a Vectra Customer Service Representative at 1-800-884-6725.

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

With mobile web browser, you use the web browser from your smart mobile phone to access your Vectra account information. Mobile applications can be downloaded to your mobile phone or device. These applications provide a rich and unique experience that is optimized for iPad®, iPhone®, iPod® touch, and Android&trade devices.

What is needed to use Vectra Mobile Banking or Vectra Mobile Business Banking?

You will need a Vectra Bank Colorado account that is enrolled in Online Banking (Personal Online Banking or Business Online Banking) and a mobile device that can access the internet and download applications.

To use Vectra Business Mobile Banking, you must be entitled as a Customer System Administrator (CSA) within Business Online Banking.

Which wireless carriers are currently supported?

We support the major US wireless phone carriers, including AT&T™, Sprint™, T-Mobile®, and Verizon®.

Do I need a data plan?

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

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

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

Must I enroll each mobile phone or device that I wish to use with Vectra Mobile Banking or Vectra Mobile Business Banking?

Yes. Enrollment is a one-time process for each mobile phone or device you wish to use with Vectra Mobile Banking or Vectra Mobile Business Banking.

How many users can enroll in Vectra Mobile Banking or Vectra Mobile Business Banking on my mobile phone or device?

Each mobile phone or device can have one user enrolled in Vectra Mobile Banking or Vectra Mobile Business Banking.

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

Immediately call Vectra Bank Colorado customer service at 1-800-884-6725 to report the transfer as soon as you discover or suspect it. The agreements and rules that govern suspected or actual unauthorized transfers through Online Banking or Business Online Banking (such as deadlines to report unauthorized transactions) also apply to transfers made through Vectra Mobile Banking or Vectra Mobile Business Banking via use of a mobile phone or device. Please see your Online Banking Agreement or Business Online Banking Agreement, your Deposit Account Agreement, and your account statements for further information. See also 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.

II. Mobile Web

What is mobile web?

Mobile web is using the web browser from your smart mobile device to access Vectra Mobile Banking or Vectra Mobile Business Banking. Type m.vectrabank.com from your mobile web browser to access Vectra Mobile Banking. To access Vectra Business Mobile Banking, type m.vectrabank.com/mobilebusiness from your mobile web browser.

Is there a cost to use the mobile web?

No. There is no charge by Vectra for using mobile web; however, ordinary bank fees under other agreements still apply (e.g., funds transfer that results in an overdraft charge). Also, your wireless phone carrier may impose data or messaging charges. You should contact your mobile services provider for any charge that may apply to web browser usage on your mobile phone or device.

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

Enter m.vectrabank.com into the web browser on your smart mobile phone or device. To access Vectra Business Mobile Banking, enter m.vectrabank.com/mobilebusiness.

How do I optimize my mobile web experience?

We recommend 3 steps for an optimal 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 or m.vectrabank.com/mobilebusiness).

Generally, these settings can be found in your smart mobile phone or device web browser settings menu. Refer to your smart mobile phone or device’s user guide for additional details and information.

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

Mobile web banking is available on most smart 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 additional details and information.

How do I add a Vectra Bank Colorado Web Clip icon to the Home screen of my iPhone?

To add the Vectra Bank Colorado Web Clip icon to the Home screen of your iPhone:

  • Upgrade to the latest version of the iPhone software (available through the iTunes App Store).
  • Visit m.vectrabank.com or m.vectrabank.com/mobilebusiness through your iPhone Safari browser, touch the “Share” (arrow) symbol, and select the option for Add to Home Screen.

III. Applications

What are mobile applications and how do they differ from mobile web?

With mobile web, you use the web browser from your smart mobile phone or device to access Vectra Mobile Banking or Vectra Mobile Business Banking. Mobile applications, on the other hand, can be downloaded directly to your mobile phone or device. These applications provide a unique experience that is optimized for iPhone®, iPod® touch, and Android™ devices.

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

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

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

The Vectra Mobile Banking and Vectra Mobile Business Banking Android™ applications can be downloaded for free from the Android™ Market on Google Play using your Android mobile phone or device.

Are the Vectra Mobile Banking application and Vectra Mobile Business Banking application supported on my mobile phone or device?

The downloadable application is available for many smart mobile phones, including iPhone®, iPad®, iPod® touch, and Android™ devices. Enter m.vectrabank.com or m.vectrabank.com/mobilebusiness for Business Online Banking into the web browser on your smart mobile phone or device. If a downloadable application is supported for your smart mobile phone or device, a link to download the application will appear.

IV. Troubleshooting

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

If you get a new mobile phone or device, log in to Personal Online Banking or Business Online Banking, and then choose “Mobile Banking” from the Services tab. From here you will be able to update your mobile phone or device profile from the Mobile Banking Management page. We recommend you remove your old mobile phone or device and re-enroll your new mobile phone or device.

What happens if I change mobile phone numbers?

If you change your mobile phone number, log in to Vectra Online Banking or Vectra Business Online Banking, and then choose “Mobile Banking” from the Services tab. From here you will be able to update your mobile phone or device profile from the Mobile Banking Management page. We recommend you remove your old mobile phone or device and re-enroll your new mobile phone or device.

What happens if I change mobile phone carriers?

If you change mobile phone carriers, be sure to return to Personal Online Banking or Business Online Banking, and then update your mobile phone or device profile in the Mobile Banking Management page. We recommend you remove your old mobile phone or device and re-enroll your new mobile phone or device.

What happens if my Vectra Mobile Banking Application or Vectra Mobile Business Banking Application is deleted from my phone?

Simply download and install the Vectra Mobile Banking Application or Vectra Mobile Business Banking Application again.

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

Yes.

I enrolled in and have used mobile web 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 Vectra Mobile Banking system or Vectra Mobile Business Banking system to remember that you enrolled. Since the cookie is visible only by the Vectra Mobile Banking or Vectra Mobile Business Banking system, and does not contain personal information, some mobile phones or devices may require you to enable cookies or periodically erase them — requiring re-enrollment. If you experience this situation, 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.

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

Immediately, log in to Vectra Online Banking or Vectra Business 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 Customer Service at 1-800-884-6725. If you later find your mobile phone or device, you can re-enroll that same mobile number.

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

Refer to the procedures below to delete the application from your mobile phone or device. Refer to the user guide that came with your mobile phone or device for additional details and information, or contact your smart mobile phone or device manufacturer or authorized dealer:

Android™

  1. Open the Google Android™ Menu.
  2. Go to the Settings icon and select Applications.
  3. Click on Manage.
  4. You will be presented with a list of installed applications.
  5. Select the application you want to uninstall, and click the Uninstall button.

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.

To download the FAQs in PDF format please click here.


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