Two-Way Text Banking

Quickly need your balance while you're standing in line at the grocery store or sitting in a restaurant? What if you're somewhere without good data coverage? Two-way text banking gives you the ability to access your balance and account history using simple text commands.


  • Get balances for the accounts you select with a simple text message
  • Retrieve the last 5 transactions on an account

How to enroll and setup alerts

To enroll for text banking, sign in to our mobile app select "Text Banking" from the menu to activate your accounts. If you have more than one phone (i.e., a personal and work phone) you may enroll on both phones. Others, such as spouses, will be enrolled separately with their mobile phone number.

Text Commands

Once you are enrolled in text banking, you can text the following commands to 39257 to access account information. Response time can be affected by phone reception or the bank’s nightly processing.



BAL Available balance for all enrolled accounts
BAL + text account code
(Example: BAL CHX1)
Available balance for the specified account
HIST Five most recent transactions for all enrolled accounts
HIST + text account code
(Example: HIST CHX1)
Five most recent transactions for the specified account
HELP A list of text commands
STOP Ends text banking service on the device you are using

Commands are not case sensitive.


When you view your account balances and history in text banking, you will only be presented with nicknames you set, not account numbers. Also, if you ever lose your phone, no transactions can be made with text banking.

By using mobile banking, you agree to the same terms and conditions applicable to Think Mutual Bank's online banking system.

While Think Mutual Bank does not charge for mobile banking, you may be charged data access or SMS (texting) fees by your mobile carrier. Check with your carrier for details on specific fees and charges.

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Insurance products are offered through Think Insurance (MN license # IA-538), not Think Mutual Bank. Insurance products are not FDIC insured, are not insured by any federal agency, and are not a deposit or guarantee of Think Mutual Bank. This is not a policy. For a complete statement of coverages and exclusions, please see the policy contract.

The Investment Professionals of Think Financial Planning are Registered Representatives and Investment Adviser Representatives with/and offer Securities and Advisory Services through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered by CES Insurance Agency. Investments are not FDIC insured, not bank guaranteed, not insured by any federal agency and may lose value. Check the background of this firm on FINRA's BrokerCheck. Think Financial Planning is headquartered at 5200 Members Pkwy NW, Rochester, MN 55901.

This information is provided for new customers who live or work in Minnesota, and for existing customers residing in the states of AR, AZ, CA, CO, FL, GA, IL, IN, IA, KS, KY, MA, MD, MI, MN, MO, MT, NE, NM, NV, NY, ND, NC, OH, PA, SD, TN, TX, UT, VA, WA, WI, WY. No offers may be made or accepted from any resident outside of these states due to various state regulations and registration requirements regarding investment products and services.