Mobile Banking

Free to all our Online Banking clients, you can sign up for Mobile Banking to receive real-time account information or transfer funds from your mobile device.

If you have questions about setting up and using our Mobile Banking services, we welcome you to refer to our Frequently Asked Questions.

Web access is required to use Mobile Banking. Check with your mobile service provider for details on associated fees and charges.

Frequently Asked Questions

How do I enroll in Mobile Banking?
First, you must be enrolled in our free Online Banking service. Once your enrollment is complete, you simply go to our “Services” tab and select “Mobile Activation”. Complete the requested information and click “Submit”. Next you need to complete the security questions under “Services, Mobile Security Maintenance”.

My provider is not listed. Can I still use mobile banking?
Yes. Select “Other” from the drop down box, and then, enter your SMS address. To find your SMS address, send an email to yourself from your phone, and simply enter everything after the @ symbol.

What is the URL I use on my phone?

Do I need Internet access on my phone to use Mobile Banking?

How do I know if I have Internet access on my phone?
Most cell phones made within the last two years have a web browser on them; please contact your provider to see if it is available on your plan.

Is there a charge to use mobile banking?
Bank of Oak Ridge does not charge for the use of Mobile Banking. However, your mobile provider may charge for the Internet usage. Please contact your provider regarding their fees.

My password does not work on my phone, why?
Your password will be different from what you use for traditional Online Banking. You must use the PIN that you chose when activating Mobile Banking.

Can I access Mobile Banking from ANY cell phone?
No. For security purposes you can only access Mobile Banking from the cell phones that you registered during activation. You can add additional phones on the activation screen under “Add Additional Mobile Phones”.

I have registered my phone but I am still unable to access Mobile Banking. Why?
Please make sure that you are using the correct URL on your phone: It is The mobile security questions must be set up for the activation to be complete. These questions can be found at “Services, Mobile Security”. Bank of Oak Ridge must also have your current mobile phone number on file as a cell phone number rather than a home phone number.

For more information, call Client Connect at 336-644-9944, use our online contact form, or stop by one of our convenient Triad office locations.