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SMS Text Banking

Access account information with a simple text message

SMS mobile banking allows you to fetch your account balances and recent account history by sending an SMS* to Innovations’ Mobile Banking.

To enroll in SMS mobile banking, log into the mobile banking website and then select the “SMS Settings” menu and follow the directions.

Once your mobile phone is enrolled, you may send text messages to 86020 with the following commands:

  • B – to fetch all account balances
  • H – to fetch the five most recent transactions for all accounts
  • H ACCT – to fetch the five most recent transactions for a specific account (e.g. H S01)
  • HELP – to fetch list of available commands options
  • STOP – to deactivate SMS mobile banking

The commands are not case sensitive. For example, you can use ‘b‘ as well as ‘B‘ to fetch balances.

Examples of requests and responses:

  • Fetch all balances request:
  • To: 86020
    Message: B
    Response: BAL:
    S01: $6,371.04
    S05: $3,160.48
    S20: $4,939.52
    L01: $5,002.99
    L30: $129,994.05
  • Fetch recent transactions request:
  • To: 86020
    Message: H
    Response: History:
    04/20 S01 $9.95 Deposit KIOS
    04/19 S05 ($20.76) Withdrawal
    04/19 S20 $2.91 Deposit INTE
    03/15 S20 $100.00 Deposit KI
    03/02 L01 $5.00 Deposit KIOS
  • Fetch recent transactions for share S01 request:
  • To: 86020
    Message: H S01
    Response: S01 History:
    04/19 ($20.76) Withdrawal
    02/20 $5.76 Deposit INTE
    01/19 $5.91 Deposit INTE
    01/25 $9.99 Deposit KIOS
    01/24 $2.07 Deposit KIOS


  • Error 15500: Could not access your account due to a password issue.
    • This error message means your account could not be accessed to answer your SMS request. If you HAVE NOT recently changed your online banking password, please contact Innovations FCU Mobile Banking at 850-233-4400. If you HAVE recently changed your online banking password, please log into the Mobile Web site with your new password to re-enable SMS mobile banking.
  • Error 15502: Could not access account due to USERPASS LOCKOUT.
    • If you receive this error message, it means your Innovations FCU Mobile Banking account has been disabled after too many invalid access attempts. Please contact Innovations’ Mobile Banking at 850.233.4400 to unlock your account.

Supported Carriers:

The following carriers are supported:

  • Alltel
  • AT&T
  • Boost
  • Cincinnati Bell
  • Cricket
  • Metro PCS
  • Nextel
  • Sprint
  • T-Mobile
  • US Cellular
  • Verizon Wireless
  • Virgin Mobile

Member Care Info:


Standard text message and data rates from your phone carrier will apply. Message frequency depends on account settings.

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