Mobile Text Banking

Use your phone’s text messaging feature to check account balances or view transaction history.

How to Enroll

  1. Log in to mobile banking
  2. Select “SMS settings” from mobile web or "SMS" from mobile app
  3. Add your mobile phone number
  4. You will receive a text message with a one-time verification code
  5. Enter the verification code in the space provided
  6. You will receive a welcome message with available text commands

Text commands to USF FCU’s shortcode: 86020

  • B or BAL: Balance
  • H or HIST: History
  • H (with account type): History of a specific account type (Ex. H S0007)
  • XFER: Transfer
    • XFER (space) source account (space) destination account (space) amount
    • Ex.: XFER S0007 S0000 10.50 (transfers $10.50 from your checking to savings)
  • MENU: Menu of available text commands
  • STOP: Cancel
  • HELP: Help


Mobile Banking FAQs

Mobile Check Deposit Helpful Tips

Online and Mobile Banking Terms and Conditions


There is no fee from USF Federal Credit Union to use mobile banking. Data, usage and message rates may apply. Contact your wireless service provider for more details. 

Go to main navigation