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Mobile Banking

Mobile Banking allows anyone with an online banking account to access their account information from a mobile phone. Mobile Banking offers three ways to access your accounts:

  • Send a text message.
  • Use a mobile browser on your phone.
  • Download an application to your phone.

You can choose any or all of these options, depending on the capabilities of your mobile phone.

Text Messaging Service

You can use the text messaging service to:

  • Check your account balances.
  • Review recent account activity.
  • Find ATM and branch locations.


To use the text messaging service, your phone must send and receive text messages. Most mobile phones are capable of sending and receiving text messages, so your phone is most likely compatible with Mobile Banking. Please note that some mobile service carriers charge for outgoing text messages or for each message sent and received. Some mobile carriers also block short codes from text messages, so you will want to check that if any issues arise.

Mobile Browser Service

You can use the mobile browser service to:

  • Check your account balances.
  • Review recent account activity.
  • Transfer money between accounts.
  • Pay bills.
  • Find ATM and branch locations.


To use the mobile browser service, your phone must have an Internet browser and may require a data services plan. You access the Mobile Banking website from a link that we send you during registration.

Downloadable Application

You can download the Mobile Banking application to your phone. The application offers all the features of the mobile browser service.


To download the Mobile Banking application, your phone must have an operating system that supports application downloads and may require a data services plan. You download the Mobile Banking application from a link that we send you during registration or by downloading the application in the AppStore.  

Google Play app download iconApp Store app download icon

Mobiliti Tutorials

Login & App Overview


Check Balances & Transfer Funds


Mobile Check Deposit


Bill Pay

Woodford State Bank offers you the convenience of online bill pay. With Bill Pay, you'll have access to these great features:

  • Search for vendors. Add new vendors simply by typing in the company name. If a match is found in the database, the vendor's information will be added automatically. No more hunting down mailing addresses! Simply enter your account number and add your bills to be paid.
  • Set up reminders. Never make a late payment again! When you set up reminders, you'll receive a message telling you when your payment is due.
  • Pay from multiple checking accounts. Choose which checking account to pay your bills from.
  • Make recurring payments. Eliminate the hassle of paying your monthly bills by setting up recurring payments. This is a great option for payments that don't change from month to month - such as your car payment or mortgage.
  • See it all at a glance! The Payment Center lets you make payments and view pending payments, recent payments, and bill reminders all on the same screen.

Bill Pay Demo

Mobiliti FAQs — General Questions

Is Mobile Banking secure?

To ensure the safety and privacy of your account information, we provide some key security features in Mobile Banking:

  • Unique Activation Code — We send you a unique activation code to verify your phone number. This code associates your mobile phone with your account. This verification also lets you know your mobile phone number has been successfully registered in our system.
  • Authentication — You are authenticated for every interaction with Mobile Banking.
  • Encryption — We use 128-bit encryption for all transactions.
  • Auditability — We provide full audit capabilities through event logs and event-based reporting.
  • No Identifiable Information — We don’t return any personally identifiable information in a text message, such as your full account number, e-mail address, or personal address. We never ask for or include your user ID or password in any message we send.

Is my personal or financial information stored on my phone?

No. We don’t save any files with your personal or financial information on your phone. That information stays strictly within online banking.

For some phones, such as a BlackBerry, we have logo and branding files that we copy to your phone. Those files do not contain any personally identifiable information.

Are there fees to use Mobile Banking?

We don’t charge fees to access or use Mobile Banking. You should contact your mobile service carrier for information about fees associated with sending or receiving text messages or accessing the Internet from your mobile phone.

Which accounts can I access in Mobile Banking?

You can access any account you’ve set up in online banking. When you register for Mobile Banking, you can choose which accounts you want to access.

What if my phone number changes?

If your mobile phone number changes, go to online banking and access the Mobile Banking pages. On the My Phones page, find the old phone number and select the option Change my phone number.

What if my phone is lost or stolen?

If your mobile phone is lost or stolen, no one can access your account without knowing your password, and, in some cases, your unique user name. To prevent unauthorized access to your account, you can deactivate your phone in Mobile Banking. Go to online banking and access the Mobile Banking pages. On the My Phones page, find the phone number and select the option Stop using this phone for Mobile Banking.

Mobiliti FAQs — Registration Questions

Do I have to agree to the Terms and Conditions to use Mobile Banking?

Yes, you must read and accept our terms and conditions. If you have any questions about the points of our terms and conditions, call 608-325-7766.

Can I register multiple users to the same phone?

For security reasons, only one user can register per phone. However, once you complete the registration process, you can add more phones to your account.

Mobiliti FAQs — Downloadable Application Service Questions

What are the acceptable characters for the username and password in Mobiliti?





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