Mobile Banking - Nutmeg State Financial Credit Union

FAQ: Mobile Banking

Mobile Banking concerns Malware is a major concern to mobile devices. In addition, there are few anti-virus options available for mobile devices. To safeguard access to your personal information and potentially access to your accounts at the credit union, please ensure that applications that you download or links that you access on your mobile devices are of legitimate sources. Downloading applications of unknown or suspect origin could compromise your mobile device login credentials.
When I use the Back button on my browser, weird things happen, like a blank page coming up or the previous page with error messages. Never use the browser’s Back button on a phone with Mobile Banking, especially after a page where you have entered information and pressed Submit or Continue. Use the links and tabs to navigate through the pages.
Why can’t I see the first few transactions of my account history? Due to the screen size on the mobile phone, only a limited amount of information can be displayed. Some mobile phones take you to the middle or bottom of a new page instead of the top. To make sure you are at the top of the page, use the up arrow key on the phone to scroll all the way to the top of the page. If you want to view more information below, use the down arrow key to scroll down until you come to a "More" link. When you click on "More," it will take you to the next page of information.
How does Nutmeg State FCU Mobile Banking handle security? Nutmeg State FCU Mobile Banking is encrypted using the Wireless Transport Layer Security (WTLS) protocol, which provides the highest level of security available today. Additionally, all data that passes between the wireless gateway, MShift’s servers, and Nutmeg State FCU’s web servers is encrypted using Secure Socket Layer (SSL) certificates.
Who is Nutmeg State FCU’s Mobile Banking provider? MShift powers Nutmeg State FCU Mobile Banking. For more information on MShift, visit their web site at
Is there a list of steps I can take to see why I can’t login? The following steps will narrow down any login problem: 1. Login to Online Banking successfully at If you can’t login to Online Banking, you cannot login to Mobile Banking. 2. Make sure the first page you see after you login shows your account information, not a promotion or a page which asks you to confirm information such as your email address. If one of these pages appears, respond as appropriate to the page, and try logging in to Mobile Banking after you have done that. 3. Login to Mobile Banking at with a PC browser instead of your phone. If you cannot login to Mobile Banking on a PC, then there may be a problem with Mobile Banking handling your account. If you can login to Mobile Banking on a PC, then there is likely a problem accessing the Internet with your phone or a problem in how you are entering your login information on your phone. Please make sure of both of these items.
I keep getting locked out of my account when I try and log in on my mobile phone. Why doesn’t it accept my login information? Using your mobile phone to enter data takes a little practice. Passwords are case sensitive; make sure you are entering your password exactly as it is set up. If your password begins with a lower-case letter, you may need to use your phone’s shift key to change the default from upper case. In addition, some phones require extra shift key presses to enter numbers instead of letters.
I know I am entering my login information correctly, but I can’t login. There may be one of several things that are occurring with your Online Banking account 1. Online Banking may be down. This can be confirmed by logging into to verify. 2. MultiFactor Authentication (MFA) challenge questions may not have been set up on your account. Please go to Online Banking and set that up. 3. You may have one or more pages showing up on Online Banking that require your attention, such as email address confirmation pages, security update pages, or Terms and Conditions update. You will need to login to Online Banking and take care of those pages before you can use Mobile Banking for privacy and security reasons.
What happens if I get locked out of Nutmeg State FCU Mobile Banking? As with Nutmeg State FCU Online Banking, you must call the credit union to unlock your account or request a new password. For security reasons, you may not change your new password on Nutmeg State FCU Mobile Banking. Once your password is set up, you may use your Account Number/User ID and password to immediately log in to Nutmeg State FCU Mobile Banking.
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When I attempt to go to, I get an error message, “Access Denied: Insecure SSL Request”. When clicking on More Info, you may also receive the following message: "Your MDS has been configured to deny SSL requests to servers that have certificates which are untrusted or expired. Try using Device Side SSL which can be modified in your TLS Options. Contact your system administrator with any questions." If you receive these messages, change your Blackberry Options settings as follows: Select Options, then TLS; under the TLS Default, select Change Option to "Handheld," not "Proxy."
I am able to view the home page of Nutmeg State FCU Mobile Banking on my Pocket PC, but when I attempt to log in I get an error message. When you attempt to gain access to a secure Web site from Windows CE, you may receive the following error message: "Unable to establish secure connection" Microsoft Pocket Internet Explorer may issue either of the following error messages: "The page you are looking for cannot be found" or "Unable to establish secure connection" To resolve this issue, update to the Microsoft High Encryption Pack for Pocket PC. This add-on supports MD% certificates with the new hashing algorithm. For information about how to update to the Microsoft High Encryption Pack for Pocket PC, view the following Microsoft Web site: Download the needed file, then synchronize your Pocket PC.
I cannot connect to Mobile Banking with my business BlackBerry. You must be logged in to the BlackBerry Enterprise Server that your phone subscribes to in order to be able to access the Internet on your phone.
My BlackBerry is not letting me download the BlackBerry shortcut on my business BlackBerry. There may be permissions issues with the BlackBerry Enterprise Server that need to be modified. Please contact your BlackBerry Enterprise Server administrator to resolve.
Why am I unable to log in using my Blackberry phone? Please check the settings on your Blackberry phone to ensure it is enabled to browse Secure/SSL sites.
Is there a way I can get an icon for Mobile Banking on my iPhone? Go to on your iPhone web browser. When Mobile Banking is on the page, press the “+” button at the bottom of the browser, and press the “Add to Home Screen” button. A screen will appear with the icon to be put on your iPhone and a title that you can modify. Press Add when you are done, and that icon and title will be on your iPhone.
Do you have an iPhone app? Yes. Our iPhone app is available in Apple's App Store. Additionally, we now offer an Android and Blackberry app.
How do I know if my phone is web-enabled? If you have a browser that allows you to see web pages on your phone’s main menu or home page, then it is web-enabled. The browser icon is usually a picture of Earth. Contact your mobile phone carrier to confirm that your phone is web-enabled and that the service is activated.
Which mobile devices are supported for Nutmeg State FCU Mobile Banking? You can access Nutmeg State FCU Mobile Banking from any Internet-enabled mobile device including iPhones and iPod Touches, Android phones, RIM BlackBerry phones, Palm Pre and Treo phones, Pocket PC devices, and Internet-enabled flip phones.
Can I access my accounts through my cell phone, smartphone, Blackberry, iPhone, Android? Yes! You can access the site by simply going to from any type of phone or mobile device that has internet access. Our Web site will automatically redirect you to the mobile site. The actual web address is
What can I do on the Mobile Banking website? Mobile e-Banking is like your own personal branch that is available anytime, from anywhere! With Mobile e-Banking, you get many of the same features you’re accustomed to, including:
  • At-a-glance actual and available balances for all your accounts
  • Transaction history details, including searching within a specific date range
  • View check images
  • Quick, one-time transfers between your own accounts or other members’ accounts
  • Set up scheduled transfers between your own accounts or other members’ accounts
  • Pay bills with a mobile version of e-Pay*
You can also keep up-to-date with Nutmeg information, such as:
  • Branch hours, locations, and contact information
  • Current rates for share accounts, certificates, and loans
  • Locate a Nutmeg State FCU ATM or other financial institutions’ ATMs within the SUM® and/or Co-Op® networks
Mobile e-Banking is just as secure as the full version of e-Banking so you can rest assured your information is kept safe. No information is stored on your mobile device. Best of all, if you’re already signed up for e-Banking, you’re already signed up for Mobile e-Banking too!
My phone’s home page for the Internet is a Google search page. When I put in the search field, Mobile Banking doesn’t show up. Do not put the URL for Mobile Banking in a search engine’s search field. Instead, use the browser’s Menu button and select the item where you can enter a URL directly, e.g., “Go to” or “Go to URL”, or click on the URL locator bar at the top of the browser and enter the URL directly.
How do I access Nutmeg State FCU Mobile Banking? In order to access Nutmeg State FCU Mobile Banking, you need Nutmeg State FCU Online Banking access (a valid Account Number/User ID and Password/PIN) and a mobile device with an Internet connection. Simply enter the Nutmeg State FCU Mobile Banking URL — — into the browser of your Internet-enabled mobile device and then log in using your Nutmeg State FCU Online Banking Account Number/User ID and Password/PIN.
Can I use Nutmeg State FCU Mobile Banking if I don’t have a Nutmeg State FCU account? Yes, but you can only access certain featues such as branch locations or contact information.
Is there a fee to use Nutmeg State FCU Mobile Banking? No. Nutmeg State FCU Mobile Banking is free of charge.
Do you offer text based (SMS) banking? Yes! SMS stands for short message service. It is also commonly referred to as text messaging, or two-way messaging. With SMS e-Banking, you can quickly and easily use your cell phone to access your account information at any time! SMS e-Banking gives you the following features:
  • Actual and available balances for all your share accounts; and
  • Last three (3) withdrawal/deposit amounts for all your share accounts
In order to use SMS e-Banking, you'll need to first register* your device. Click here to get started now! Once registered, simply text** any of the following commands to 21443:
  • Nutmeg BAL (Provides actual and available balances for all your share accounts)
  • Nutmeg HIST (Provides last three (3) withdrawal/deposit amounts for all your share accounts)
  • Nutmeg CMD (List of active commands)
  • Nutmeg HELP (Provides help/contact information)
  • Nutmeg STOP (Opt out of service and unregister device)
Within less than a minute, you should get a response back with the information requested! It's that easy! *In order to register for this service, you must already be enrolled in e-Banking. You will need to provide your member number/user ID, an answer to one of your security questions, as well as your e-Banking password. If you have not yet enrolled in e-Banking, click here. **All major carriers are supported (Alltell, AT&T, Boost, Cellular One, Nextel, Sprint, T-Mobile, US Cellular, Verizon, and Virgin Mobile). While Nutmeg State FCU does not charge for use of this service, please contact your wireless provider for any additional charges you may incur. We are not responsible for usage, services, or other charges incurred on any device.
Do you offer mobile banking? Yes! You can access the site by simply going to from any type of phone or mobile device that has internet access. Our website will automatically redirect you to the mobile site. The actual website address is