ReadyGo! FAQ

Ready Go! mobile banking from First Independent
Frequently Asked Questions

What do I need to access mobile banking?
How do I enroll in mobile banking?
How do I access the Internet on my mobile device?
How do I access mobile banking?
How do I view my account balances?
How do I view account details and transactions?
What if I change my mobile number or carrier?
What if I forget my mobile PIN?
Changing PIN via Internet Banking.
Changing PIN via mobile banking.
What accounts are eligible for mobile banking?
How do I nickname accounts in mobile banking?
How do I hide certain accounts in mobile banking?
How is mobile banking secure?
Can I pay bills through mobile banking?
How do I transfer funds through mobile banking?
If I transfer funds through mobile banking, how long before they become available to access with my debit card?
How do I see additional transactions on mobile banking?
What is my Available Balance?
Why do I have to register my mobile phone before I can use it for mobile banking?
Can I add more than one device?
How much does mobile banking cost?



What do I need to access mobile banking?

To access mobile banking, you will need:

• A First Independent account that is enrolled in IndyOnline (online banking). Enroll now.
• A cell phone that can access the Internet.

How do I enroll in mobile banking?

It’s easy! Log in to IndyOnline and complete the following steps:

1. Select “Self Service” from the left-hand navigation bar.
2. Under “Self Service,” select “Mobile Activation.”
3. Enter your Primary Mobile Phone Number (including area code).
4. Select your Provider from the dropdown list.
5. Select the accounts to be accessible via mobile banking and enter account nicknames, if desired.
6. Click “Submit.”

How do I access the Internet on my mobile device?

Contact your mobile phone carrier for access information.

How do I access mobile banking?

1. Type in http://m.firstindy.com on your phone’s web browser.
2. When prompted, enter your Mobile Banking User ID, PIN and challenge question.

How do I view my account balances?

1. After you sign in successfully, the Main screen will appear.
2. Select the “Accounts” link. The next screen will show your accounts and balances.

How do I view account details and transactions?

1. After you sign in successfully, the Main screen will appear.
2. Select the “Accounts” link. The next screen will show your accounts and balances.
3. Select the account you would like to review.

What if I change my mobile number or carrier?

Log in to IndyOnline and complete the following steps:

1. Select “Self Service” from the left-hand navigation bar.
2. Under “Self Service,” select “Mobile Activation.”
3. Highlight the current number in the “Primary (or Additional) Mobile Phone Number” field and type in the new number (if applicable).
4. Select new carrier from the dropdown menu (if applicable).
5. Click “Submit.”
6. You should receive an acknowledgement message: “Primary (or Additional) mobile phone number updated.”

What if I forget my mobile PIN?

Contact First Independent’s Client Services team at 360-699-4242 for assistance in resetting your PIN.

I know my PIN, but want to select a new PIN. How do I do this?
There are two ways to do this: via IndyOnline and through mobile banking.

Changing PIN via Internet Banking:

1. Log in to IndyOnline.
2. Select “Self Service” from the left-hand navigation bar.
3. Under “Self Service”, select “Change Mobile PIN”.
4. Enter your Old (current) PIN, new PIN and re-enter new PIN.
5. Click “Submit.”
6. You should receive an acknowledgement message (“Mobile PIN updated.”)

Changing PIN via mobile banking:

1. Log in to mobile banking.
2. Select “Change PIN” from the main menu.
3. Enter your Old (current) PIN, new PIN and re-enter new PIN.
4. Click “OK.”
5. You should receive an acknowledgement message: “PIN Change Successful.”

What accounts are eligible for mobile banking?

Checking, Savings, Money Market Accounts and Loan accounts are eligible for mobile banking access. Credit Cards are not eligible.

How do I nickname accounts in mobile banking?

1. Log in to IndyOnline.
2. Select “Self Service” from the left-hand navigation bar.
3. Under “Self Service” select “Mobile Activation.”
4. Under “Accounts,” enter the desired nickname(s) in the “Mobile Nickname” field (limited to 9 characters).
5. Click “Submit.”

How do I hide certain accounts in mobile banking?

If an account is not selected, it will not be available for viewing in mobile banking. To determine if an account is selected, complete the following steps:

1. Select “Self Service” from the left-hand navigation bar.
2. Under “Self Service,” select “Mobile Activation.”
3. If an account has a check mark beneath the word “Access”, that account will be visible on mobile banking. Accounts without a check mark will not be visible.
4. Uncheck any accounts that should not be displayed.
5. Click “Submit.”

How is mobile banking secure?

Mobile banking uses SSL (Secure Socket Layer), which is also used by Internet Banking. The mobile banking site utilizes multi-factor authentication, requiring a username, PIN and correct answer to a challenge question. In addition, the site will not allow you to save your username and password; if your phone is lost or stolen, the information is not retained (or cached).

Your session will time out if inactive for 10 minutes.

Can I pay bills through mobile banking?

Bill pay functionality is not available at this time.

How do I transfer funds through mobile banking?

Log in to mobile banking and complete the following steps:

1. From the Main menu, select “Transfer.”
2. From the dropdown boxes, select the transfer “To” and “From” accounts.
3. Enter the amount (including cents – for example, 50.00)
4. Click OK.
5. Upon successful completion of the transfer, you will receive a confirmation number.

If I transfer funds through mobile banking, how long before they become available to access with my debit card?

Please allow 15 minutes processing time between the time the transfer was originated and attempting to access funds.

How do I see additional transactions on mobile banking?

• After selecting “Posted” from the Main menu, Click “Next” at the bottom of the list of transactions.
• The next 5 transactions will display.
• You may continue to click “Next” until you have viewed all transactions.

What is my Available Balance?

The Available Account Balance equals the balance at the end of the previous business day plus or minus any current day activity (debit card transactions, ATM withdrawals and transfers) and any available overdraft protection.

Why do I have to register my mobile phone before I can use it for mobile banking?

Registration of your phone is required in order to receive mobile alerts. For more information on adding alerts, log into IndyOnline on your PC, select ‘Self Service,’ and then ‘Alerts.’

Can I add more than one device?

Yes. Mobile banking allows you to add additional mobile phones.

1. Log in to IndyOnline.
2. Select “Self Service” from the left-hand navigation bar.
3. Under “Self Service”, select “Mobile Activation.”
4. Under “Additional Mobile Phones” type in the number.
5. Select new carrier from the dropdown menu.
6. Click “Submit.”
7. You should receive an acknowledgement message: “Additional mobile phone number updated.” 

How much does mobile banking cost?
First Independent is not charging for the mobile banking service at the present time. Internet access charges may vary – contact your mobile phone provider for details.


For additional questions, please contact our Client Services team at 360.699.4242.