Manage your money safely using simple shortcuts

To register your device and start using Text Banking, log in to Online Banking and visit the Manage Alerts section to enroll your phone number for SMS Alerts and Text Banking. After enrolled, you'll then be able to manage get balances simply by texting these prompts to 86020.

  • BAL: Get the balance on your share or loan
  • HOURS: Get MSGCU's hours of operation
  • CONTACT: Get contact information
  • HELP: Get more information about Text Banking
  • STOP: Unenroll from SMS Account Alerts and Text Banking

At Michigan Schools and Government Credit Union, we're always concerned about protecting personal information for our members. With Text Banking, you'll never need to share your full account number. You have the ability to deactivate any phone at any time.

Text Banking Frequently Asked Questions

  1. How much does it cost to use Text Banking?
  2. What is MSGCU Text Banking?
  3. Which mobile service providers support MSGCU Text Banking?
  4. How do I sign up to use Text Banking?
  5. Can I access my account from more than one mobile device?
  6. How do I register my mobile device?
  7. Where do I text my account inquiries and transactions?
  8. Are there any requirements for my first message sent to MSGCU?
  9. What can I do with MSGCU Text Banking?
  10. How do I unsubscribe from MSGCU Text Banking?
  11. How do I format messages sent to MSGCU Text Banking?
  12. Is MSGCU Text Banking case sensitive?
  13. Does MSGCU Text Banking offer command shortcuts so I can access my information and make transfers more quickly?
  14. What does it mean when I see “1/2” in my text received?
  15. I am enrolled in MSGCU Text Banking and have text messaging capabilities on my mobile phone. Why am I unable to receive text messages from MSGCU Text Banking on my mobile device?

 

1. How much does it cost to use Text Banking?
MSGCU’s Text Banking is free. Standard wireless carrier charges apply.

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2. What is MSGCU Text Banking?
Text Banking provides Online Banking users with an easy and convenient way to check their account balances via SMS text messaging.

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3. Which mobile service providers SUPPORT MSGCU Text Banking?
We currently support all major cellular service providers. If you have any issues opting in and using Text Banking, please contact our Call Center at 866.674.2848 during regular business hours.

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4. How do I sign up to use Text Banking?
To use Text Banking, log in to Online Banking and visit the Manage Alerts section to enroll your phone number for SMS Alerts and Text Banking.

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5. Can I access my account from more than one mobile device?
Yes, you may register multiple devices on the same account via Online Banking.

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6. How do I register my mobile device?
During the enrollment in Text Banking via Online Banking, you will be asked to enter your ten-digit mobile phone number. Next, you will receive an activation code via text message that must be entered into the Account Access Text Banking screen immediately. You are then ready to start using that mobile device for Text Banking.

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7. Where do I text my account inquiries and transactions?
Send your text messages to 86020. Hint: Add Text Banking (86020) to your contact list on your phone for easy access.

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8. Are there any requirements for my first message sent to MSGCU?
No. There are no requirements for your first message sent to MSGCU.

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9. What can I do with MSGCU Text Banking?
You can review your account balances and get MSGCU's hours of operation and contact information. 

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10. How do I unsubscribe from MSGCU Text Banking?
To unsubscribe, simply test STOP to 86020. This will unenroll you from Text Banking and SMS Account Alerts. You can unenroll any mobile device within Online Banking.

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11. How do I format messages sent to MSGCU Text Banking?
Every message sent to Text Banking via 86020 must include the keyword or response. Examples of typical messages and responses from Text Banking are as follows…

Example: Retrieve an account balance

  • Enter the Command: BAL
  •  
  • Expected Response: The balances for all available accounts

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12. Is MSGCU Text Banking case sensitive?
No, Text Banking is not case sensitive. Commands typed in uppercase or lowercase letters will be recognized. For example, the service will respond to your balance inquiry whether your message sent reads “bal” or “BAL.”

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13. Does MSGCU Text Banking offer command shortcuts so I can access my information and make transfers more quickly?
Yes, we have simple command shortcuts. These shortcuts help you easily and quickly access your accounts to make inquiries and transfers, as well as manage your Online Banking login security. The following is a list of the shortcuts available via Text Banking.

  • BAL: Get the balance on your share or loan
  • HOURS: Get MSGCU's hours of operation
  • CONTACT: Get contact information
  • HELP: Get more information about Text Banking
  • STOP: Unenroll from SMS Account Alerts and Text Banking

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14. What does it mean when I see “1/2” in my text received?
All text messages are limited to 160 characters. Because some Text Banking messages exceed 160 characters, you will receive your account information in multiple messages. The label “1/2” means that you are reading the first in a series of two messages from MSGCU. To avoid confusion, always read messages in the correct order.

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15. I am enrolled in MSGCU Text Banking and have text messaging capabilities on my mobile phone. Why am I unable to receive text messages from MSGCU Text Banking on my mobile device?
If you are unable to receive Text Banking messages but can receive standard text messages on your phone, “short codes” may be blocked on your mobile phone. To use Text Banking, you must enable short codes with your mobile provider. (“Short codes” are special telephone numbers used to send text messages from mobile phones. They are often used for services such as television voting, ordering ring tones, charity donations, and mobile services such as MSGCU’s Text Banking.)

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