Mobile Banking

Banking at your fingertips. Anytime. Anywhere.

The FNBMobile Banking App gives customers the power to initiate routine transactions, conduct research, make deposits, receive notifications, and so much more. It’s safe and secure with your mobile phone or tablet and can be used anytime, anywhere. And best of all, it’s free!*


  • View Account Balances and Transaction History
  • Receive Notifications and View Account Alerts
  • Transfer Funds
  • Pay Bills**
  • Find ATM and Banking Center Locations


Mobile Deposit with FNB’s App! Snap! Anywhere!

Deposit checks directly into your account with the FNBMobile App. Mobile Deposit is available 24/7 and anywhere you have access to your phone or tablet’s camera. Just snap a photo of the front and back of the check with the app and you will receive immediate confirmation that the deposit is received.

To view instructions for enrolling or making a deposit click here, or click here for Frequently Asked Questions. For support, call us at (618) 939-6194 or (888) 231-3165.


UChoose Rewards Program

Now you can earn even more rewards with your FNB Debit Mastercard®. Earn one point for every $2 spent when you run your card as a credit-based transaction. You can redeem points for merchandise, gift cards, travel, activities, events, and even cash!


Card Valet from FNBMobile

Fight debit and credit card fraud with Card Valet from FNBMobile. Card Valet lets users set preferences and real-time alerts so you can quickly detect and stop any fraudulent activity on your accounts. Customize alerts and controls based on usage, location, and merchant to ensure your cards are never used without your knowledge or permission.


Notifi Security Alerts

FNBMobile’s Notifi feature makes it easy to stay in the know. Notifi provides real-time, two-way actionable alerts about the status of your accounts. Set e-mail, text, or push notifications on any of your devices.


  • Enjoy peace of mind knowing FNBMobile utilizes encryption and multi-factor authentication, offering the same level of security as Internet Banking
  • No personal data is stored on your device
  • Set alerts and notifications for suspicious use of your cards and account
  • Turn debit card access on and off

Mobile Banking for Apple and Android

Our custom Mobile Banking App is made for Apple and Android. Just click the button below to download it now or search FNBWMobile in the App Store or Google Play Store. Whether you log in with your ID and password or by TouchID, the login screen will appear as shown below.



Mobile Text Banking

If you can send a Text Message or SMS, you can request information about your balances and recent transactions. We’ll send you a text message right back with your most up-to-date account details.

To help identify your accounts and make texting easier, we recommend setting up the account short names in Internet Banking. To do this, login to FNBOnline and click on the Options tab at the top. Choose Mobile Settings > Text Mobile Settings and choose your mobile short names.


To access, text 89549 with a short code:

ActionShort CodesExamples
Returns command referencesHelpHELP, help
Returns balance for all enrolled accountsBalBAL, bal
Returns balance for specified accountBal (accountshortname)BAL (accountshortname),
bal (accountshortname)
Returns last 4 transactions for all enrolled accountsHistHIST, hist
Returns last 4 transactions for specified accountHist (accountshortname)HIST(accountshortname),
hist (accountshortname)
Disables enrollment for SMS/text bankingStopSTOP, stop
* SMS/text messages are not case sensitive


You must be an active user of First National Bank of Waterloo Internet Banking to use FNBMobile.

*First National Bank does not charge for using Mobile Banking. Your mobile phone carrier may charge for text messages and/or Web access. Check your wireless plan for details.

**Bill Pay must be set up through Internet Banking.

10 Reasons "That's My Bank!"Icon For: Video