Please note: email messages are not secure. Please refrain from entering personal, confidential information in the message, such as your social security or account numbers. Thank you.

Text Message Banking FAQs

  1. How secure is Text Message Banking? Text Message Banking through Merrimack24 Online Banking is secure. You can activate the service only after logging into our Online Banking site. Text messages will never contain confidential information about you, and messages will never reference full account numbers. You may rest assured that your information is well protected.
  2. How do I activate Text Message Banking? First you need to be preregistered in Merrimack24 Personal or Business Online Banking. Then log in to Online Banking, go to the Mobile Banking and Alerts tab and follow the three step enrollment process.
  3. Will I be charged for Text Message Banking? Our Text Message Banking service is free. However, standard text messaging fees from your wireless carrier may apply.* Please check with your mobile phone carrier if you aren’t sure what fees apply when you send and receive text messages.
  4. Will Text Message Banking work on my phone? Yes it will, as long as you have text messaging enabled with your mobile carrier and use a carrier that the service supports. Please check with your mobile carrier if you are unsure.
  5. Which carriers do you support? Our Text Message Banking service works on all major mobile providers in the U.S., including:
    • Alltel
    • AT&T
    • Nextel
    • Sprint
    • T-Mobile
    • US Cellular
    • Verizon Wireless
    • Virgin Mobile
  6. How do I deactivate the Text Message Banking service? You can text “stop” to 454545 on your activated cell phone, or you can log in to Online Banking, select the Mobile Banking and Alerts tab and click the Deactivate link next to your mobile device number. Your phone will no longer receive any text messages from Mobile Banking. You can add a new phone at any time if you change your mind later.
  7. Why do I need to verify my phone? Verifying your phone is an important one-time step that helps to ensure the security of Text Message Banking.
  8. Where do I find my activation code? During set up we will send you a text message with your activation code. If you have already submitted your mobile number during setup, please check your mobile device now. You should receive a text message with your activation code within a few minutes.
  9. Can I come back later to enter my activation code? Yes. If you experience difficulties, we recommend that you complete the setup process again to obtain a new code.
  10. I still have not received my code, what do I do? It might take several minutes to receive your code. If you feel you have waited sufficiently, you can click the Resend Code link. Please check your mobile device shortly for a new text message. If you still do not receive the code, be sure you entered the correct mobile number during setup.
  11. What is a primary Text Message Banking account? Your primary account is the default account that we will use when you text BAL to 454545. You should select the one you will likely want to check most often. You can get all account balances by texting BAL ALL to 454545.
  12. Can I get the balances of all other online accounts? Yes. When you text “BAL ALL” to 454545, we will reply with a message containing the balances of all accounts registered within Online Banking.
  13. Can I change the primary Text Banking account later? Yes. Simply login to Online Banking, select the Mobile Banking and Alerts tab and choose your new primary account from the dropdown menu.
  14. Are there shortcuts for the keywords? Yes. The keywords are:
    • STOP = Deactivate service
    • HELP = Help on keywords
    • BAL = Primary account balance
    • BAL CHK = Checking account balance
    • BAL SAV = Savings account balance
    • BAL ALL = All registered account balances
    • LAST = Last 5 transactions
    • TRANS = Transfer funds to primary account
  15. Are keywords case sensitive? No. Keywords are not case sensitive. For example, you can type “help” or “HELP.”
  16. What is the number I should use to send my key word text message? The short code is 454545. This short code will only work if you have activated the Text Message Banking service within Merrimack24 Online Banking.
  17. How long does it take to get a response via text message? You’ll receive a text message response within a minute. Exact timing will depend on your mobile service carrier.
  18. Is there any password needed for Text Message Banking? You don’t need a password to access your account information via text message.
  19. I have a new mobile phone number. Can I change or add my number online? Yes. First login to Online Banking, select the Mobile Banking and Alerts tab, select the link to deactivate your old mobile number and then activate the new number. A text containing an activation code will be sent to the new mobile number. Follow the instructions for activation.
  20. Can I activate another mobile number into Text Message Banking? You may enroll a total of two mobile numbers within Text Message Banking by logging in to Online Banking and following the enrollment process.
  21. Can I pay bills in Text Message Banking? No, bill payment services are not available within text banking.
  22. What if the phone I have enrolled is lost or stolen? Notify your carrier first, then either login to Online Banking to deactivate the mobile number or contact Customer Service at 800-541-0006 (Mon-Fri, 8:00am – 5:00pm, Eastern Time). You may also email us (Do not send personal and private information such as your account or social security number via email.)
  23. Are there any limits to the number of transactions I can make? The only limitations are those already in place for savings or money market accounts per banking regulation:
    • “The following types of transactions are limited to a total of no more than six per month: 1) transfers from a Merrimack statement savings or money market account to another Merrimack account by pre-authorized, automatic, Merrimack24 Online Banking, or Telephone Banking transfer; and 2) external transactions to or from a third party. Accounts which exceed these transfer limitation will be assessed a fee, and if transfer limitations are repeatedly exceeded, we may close the account.”

* Your standard carrier rates and fees apply

Mobile Banking