Help: SMS Mobile Banking

SMS mobile banking allows you to fetch your account balances and recent account history by sending an SMS to Navigator CU.

To enroll in SMS mobile banking, log into the mobile banking web site and then select the "SMS Settings" menu and follow the directions.

Once your mobile phone is enrolled, you may send text messages to 86020 with the following commands:

  • B to fetch all account balances
  • H to fetch the five most recent transactions for all accounts
  • H acct to fetch the five most recent transactions for a specific account (e.g. H S01)
  • X source dest amount to transfer dollar amount from source account to destination account (e.g. X S01 S05 10.00)
  • MENU to fetch list of available commands options
  • STOP to deactivate SMS mobile banking

The commands are not case sensitive. For example, you can use 'b' as well as 'B' to fetch balances.

Note, standard text message and data rates from your phone carrier will apply. Message frequency depends on account settings.

View Terms and Conditions and Privacy Policy.

Examples of requests and responses:

Fetch all balances request:
To: 86020
Message: "B"
S01: $6,371.04
S05: $3,160.48
S20: $4,939.52
L01: $5,002.99
L30: $129,994.05

Fetch recent transactions request:
To: 86020
Message: "H"
04/20 S01 $9.95 Deposit KIOS
04/19 S05 ($20.76) Withdrawal
04/19 S20 $2.91 Deposit INTE
03/15 S20 $100.00 Deposit KI
03/02 L01 $5.00 Deposit KIOS

Fetch recent transactions for share S01 request:
To: 86020
Message: "H S01"
S01 history:
04/19 ($20.76) Withdrawal
02/20 $5.76 Deposit INTE
01/19 $5.91 Deposit INTE
01/25 $9.99 Deposit KIOS
01/24 $2.07 Deposit KIOS

Transfer $10 from S01 to S05 request:
To: 86020
Message: "X S01 S05 10.00"
Transfer $10 from S01 to S05 completed.
New balances:
S01 $100.20
S05 $10.80
Confirmation #: 100000115

  • Error 15500: Could not access your account due to a password issue.
    This error message means your account could not be accessed to answer your SMS request. If you HAVE NOT recently changed your online banking password, please contact Navigator CU at 228.475.7300. If you HAVE recently changed your online banking password, please log into the Mobile Web site with your new password to re-enable SMS mobile banking.

  • Error 15502: Could not access account due to USERPASS LOCKOUT.
    If you receive this error message, it means your Navigator CU account has been disabled after too many invalid access attempts. Please contact Navigator CU at 228.475.7300 to unlock your account.
Supported Carriers:

The following carriers are supported:
  • Alltel
  • AT&T
  • Boost
  • Cincinnati Bell
  • Cricket
  • Metro PCS
  • Nextel
  • Sprint
  • Tmobile
  • US Cellular
  • Verizon Wireless
  • Virgin Mobile
Member Care Info: