People's United Bank

Mobile Banking FAQs

The subtopics below provide answers to questions or issues you may have run into while using People's United Mobile Banking.

Mobile Banking Overview

Mobile Banking OverviewMost Popular Questions
What is Mobile Banking?

People’s United Mobile Banking lets you bank wherever and whenever you want, right from your mobile device. Mobile Banking offers a Mobile App, Mobile Web Banking or Text Banking for your personal preferences and mobile device capabilities.

What can I do with People’s United Bank Mobile Banking?

Depending on your preferences and your phone capabilities you can: manage card controls, set card alert preferences, make Person-2-Person payments, make a deposit, make bill payments, view account balances, search recent account activity, transfer funds between People's United Bank accounts or find the nearest People’s United Bank Branch or ATM location.

What mobile operating systems and devices are supported?

The People's United Bank mobile app supports the following operating systems and devices:

Apple:
- iOS 8.0 or higher
- iPhone® 4s, 5, 5s, 5c, 6, 6s, 6 Plus, 7 and 7 Plus
- iPad® 4th Gen, Air and Mini(non Retina)


Android:
- Android OS 4.1 or higher
- Various devices (Smartphone and Tablet)


Kindle
- Android OS 4.1 or higher
- Kindle Fire HD, 7 and 8.9
- Kindle Fire HDX, 7 and 8.9

Can I sign up for Mobile Banking if I'm not enrolled in online banking?

No, you must first enable your bank account(s) for online banking before using Mobile Banking.

Are there any fees or charges with mobile banking?

We do not charge for the People's United Mobile Banking service. Message and data rates may apply. Contact your wireless service provider for more information.

What if my device is lost or stolen?

You will need to enroll your new device and remove your old device by logging into Online Banking and visiting the Mobile Banking Center.

What happens if I get a new phone?

You will need to enroll your new device and remove your old device by logging into Online Banking and visiting the Manage Mobile Banking settings conveniently found under Customer Service.

What happens if I change phone numbers?

Simply update your phone number by going to "Change Device Info" from Manage Mobile Banking Settings located on your Online Banking Financial Dashboard. If you also have test message alerts established you can update your phone number through Manage Contact Information located under Customer Service.

I am locked out of my account, what can I do?

Please call 1-800-525-9248, to get a temporary password. Login to your online banking profile using a PC with your temporary password and follow the prompts to create a new permanent password. Once you have successfully created a new password, you can login using your mobile device and new password.

Can I login on my mobile device using a temporary password?

You must first login to your online banking profile using a PC with your temporary password and follow the prompts to create a new permanent password.

What is "Refer Friends"?

Use your mobile device to refer friends & family and get up to $500. Learn more.

What are Planning Tools?

Planning tools provide mobile friendly calculators to assist with financial planning. Available calculators include: Savings, Budgeting, Mortgage, Home Equity, College Planning and Small Business. Learn more.

Mobile App

Mobile AppQuestions on the Mobile App
How do I login to Mobile Banking App?

Login to Mobile Banking using the username and password created for Online Banking.
At times an extra layer of security maybe needed to complete the login. You will have the options to receive a one-time code by text message or to answer security questions to complete the login process.

What if my mobile number is not listed for use with one-time code?

You can review and update your phone numbers anytime using Online Banking. Login to Online Banking and under the Customer Service tab select Manage contact information. The Text Message Phone can be used for one-time text codes.

Does my device support the People's United Bank Mobile App?

The People's United Bank Mobile App can be used on most mobile phones and/or devices such as:

Apple:
- iOS 8.0 or higher
- iPhone® 4s, 5, 5s, 5c, 6, 6s, 6 Plus, 7 and 7 Plus
- iPad® 4th Gen, Air and Mini(non Retina)


Android:
- Android OS 4.1 or higher
- Various devices (Smartphone and Tablet)


Kindle
- Android OS 4.1 or higher
- Kindle Fire HD, 7 and 8.9
- Kindle Fire HDX, 7 and 8.9


Note: To access and complete a Mobile Check Deposit, your device must meet the following criteria:
- iOS 8.0 or higher
- Android OS 4.1 or higher
- Have a rear facing camera that supports autofocus
- You have enrolled for mobile banking

What is the Navigation Menu?

The Navigation Menu provides quick access to available features and is available on many pages within the app. Quickly navigate to view accounts, recent transactions, access the Task “+” menu, locate People’s United Bank branches and ATMs, and access “More” which includes Card Controls.

What is the Task “+” Menu?

The Task Menu provides access to money movement features. Money movement features include transfers, bill pay, check deposit, and Person-2-Person pay.

What is available using the “More” option?

The “More” menu contains links to non-monetary functions. Manage payees and access Card Controls, Touch ID settings, Help which includes FAQs, Refer Friends and Planning Tools.

How do I view recent check deposits and bill payments?

Access recent check deposit and bill payment transactions including scheduled payments using the “Recent” function from the Enhanced Navigation Menu.

Does People's United Bank have an app for tablets?

Yes, Peoples United Bank offers a mobile banking app for iPad®, Android, and Kindle tablet devices - visit the Apple App Store, Google Play Store or Amazon App Store to download our tablet app.

How can I download the People's United Bank Mobile App?

To download People's United Bank Mobile App, visit the Apple App Store, Google Play Store or Amazon App Store from your mobile device, search for "People's United Bank" and follow the instructions to download and register your device.

Are tablet apps available for business customers?

Yes! Download our Business Mobile Banking App from the Apple App Store, Google Play Store or Amazon App Store . Simply search for Peoples United Bank Business.

Can I pay a bill through Peoples United Banks Mobile App?

Yes! Not only can you initiate a bill pay, you can review recent bill pay activity and view payment details.

Can I view my check images through Peoples United Banks Mobile Apps?

Yes! Cleared check images are available in the personal version of the People’s United Bank Mobile App by using the transaction history feature.

How do I sign off of the app?

The sign off button is accessible from any location within the app. For iOS devices sign off can be found at the top left corner whereas Android devices sign off is located in the top right corner.

What is Touch ID?

Touch ID allows you to securely sign into the People’s United Bank Mobile Banking App using your fingerprint stored on your iPhone 5S or higher on iOS8 or higher. This feature allows you to quickly and securely view your account balances, transfer funds, and complete mobile check deposits without having to enter your User ID and password. Bill Pay including managing payees, Person-2-Person Pay, and Card Controls, requires your User ID and password.

Will the Mobile App bill pay management feature be immediately available?

Yes, if you are enrolled in bill pay services and have completed a bill payment by visiting Online Banking through peoples.com you will have access to mobile bill pay management immediately.

Do I need to enroll in Bill Pay in Online Banking?

Yes, to use bill pay through mobile banking you will need to enroll in bill pay through online banking. Once you have enrolled and have completed your first payment online you can now begin to utilize bill pay and payee management through the mobile banking app.

What information is required to add a payee?

You will need merchant name, account number and address a phone number is optional. This information is commonly found on an invoice or statement.

We will search by the payee name to determine if we have merchant information which will prefill for you if available.

Can I modify a reoccurring or already created bill payment through mobile banking?

You have the ability to pay a bill and cancel a scheduled bill payment though mobile banking. To edit a scheduled payment or reoccurring payment rules please visit online banking to complete those changes.

Is there a fee for this service?

There is no additional charge for the mobile banking bill pay management feature.

Mobile Check Deposit

Mobile Check DepositQuestions on Mobile Check Deposit
Can I deposit a check using my mobile device?

Yes! Just follow these simple steps. To deposit a check using your mobile device follow these steps:
- Make sure you have the most updated version of our Mobile Banking App.
- Sign on to your account from your mobile banking app
- Select Check Deposit from your mobile banking navigation menu.
- Endorse the check you wish to deposit
- Snap a picture of the front and back of your endorsed check
- Click the check mark once you capture the check images
- Complete the Deposit Info fields

What is the maximum dollar amount of a single check I can deposit using my mobile device?

The limits that we will apply will depend on how long you have been a customer of People’s United and the balances you maintain in all of your accounts held at People’s United regardless of eligibility for mobile check deposit.

If you have been a customer for more than ninety (90) days, we have three categories of limits based on your monthly collected balances.


Bronze: Maintain a collected balance(s) for the past month of less than $10,000.00.

Per Check Limit $5,000.00
Daily Aggregate Limit $5,000.00
Daily Number of Checks 10
10 Business Day Limit $10,000.00
10 Business Day Number of Checks 100

Silver: Maintain a collected balance(s) for the past month of between $10,000.00 and $19,999.99.

Per Check Limit $10,000.00
Daily Aggregate Limit $10,000.00
Daily Number of Checks 10
10 Business Day Limit $20,000.00
10 Business Day Number of Checks 100

Gold: Maintain a collected balance(s) for the past month of greater than $20,000.00.

Per Check Limit $15,000.00
Daily Aggregate Limit $15,000.00
Daily Number of Checks 10
10 Business Day Limit $30,000.00
10 Business Day Number of Checks 100

Platinum: Wealth Management Advantage Checking Customers who meet minimum aggregate balance requirements. Please contact your Wealth Management Officer for information regarding required balances for the Platinum tier.

Per Check Limit $50,000.00
Daily Aggregate Limit $50,000.00
Daily Number of Checks 10
10 Business Day Limit $100,000.00
10 Business Day Number of Checks 100

If you are a customer of People’s United for less than ninety (90) days and your aggregate opening deposit balance is less than $10,000, the New customer category will be applied for the first 90 days. If you are a customer of People’s United for less than ninety (90) days but your aggregate opening deposit balance is $10,000.00 or more, you will be eligible for the Bronze category described above.


New

Per Check Limit $2,000.00
Daily Aggregate Limit $2,000.00
Daily Number of Checks 10
10 Business Day Limit $4,000.00
10 Business Day Number of Checks 100

How many checks can I deposit in one day using my mobile device?

You can deposit up to 10 (ten) checks in one day. Deposit amount limits apply. Please refer to the Electronic Banking Services Agreement for more information.

What types of checks can I deposit with Mobile RDC?

Most domestic checks may be processed through Mobile RDC. We are unable to accept Money Orders, Foreign Items, Savings Bonds, or Third Party Checks through Mobile RDC.

My mobile check deposit request was denied, why?

Call 1-800-525-9248 to speak with a customer service representative.

How do I know that my check deposit has been submitted?

You will receive an email that your deposit has been received. You can also review recent check deposits and the status by selecting “Recent” form the task menu.

How will I know when my deposit has been approved?

You will receive an email notification once the deposit has been approved

When will the customer have their deposited funds available?

For any deposits submitted before the 7 p.m. ET daily cutoff, and approved that same business day, their deposited funds will be available the next business day.
So for example, if the customer deposits a check at 6:45 p.m. on a Tuesday, and the check is approved that same Tuesday, then the customer will have the deposited funds available on Wednesday (the next business day after deposit).

Can I deposit a check using the Mobile App for tablet devices?

Yes, you may deposit checks if you have the Mobile App installed on your tablet device with a rear facing camera.

I received an error message "cannot read check", what does that mean?

You will need to retake the image of the check you are trying to deposit. When taking the picture of your check, make sure the image of the check is centered, all four check corners are visible, and make sure the picture is taken on a well-lit flat surface.

What does the "Error No eligible accounts were found for this service" mean?

This error means your account does not meet the following criteria: - You have exceeded the number of allowed overdrafts or the account that was opened is not eligible for mobile deposit

Can I use a picture of a check that I took with my digital camera?

No, pictures of the check you are trying to deposit must be taken at the time you initiate a deposit with your mobile device.

What are the check image requirements?

The image of the check must be centered; all four check corners must be visible, and taken on a well-lit flat surface.

What if I'm not satisfied with the quality of the check image?

If you like to retake a picture of the check, you can press the edit button to retake one of the two images.

Can I edit the information entered for the check deposit?

If you did not hit submit you can edit the check deposit.

I entered the wrong dollar amount of the check I deposit and hit submit, can I go back to edit?

We will review all incoming checks to ensure it meets all requirements including dollar amount, if we find the amount of the check you entered does not match the amount posted on the check, we will correct the amount. You will then receive an email notification of the changes.

Can I deposit a non-endorsed check?

No, all checks must be endorsed with a signature or listed "for deposit only." Please refer to the Mobile Banking Addendum for further information.

Why did the app close during Mobile Check Deposit?

If the app closed during Mobile Check Deposit try closing any apps not currently being used. Also, check the store for any updates that may be available.

How do I deposit a check using my mobile device?

Make sure you have the most updated version of our Mobile Banking App, your mobile device meets our minimum standards and follow these steps:
To deposit a check using your mobile device follow these steps:
- Sign on to your account from your mobile banking app

- Select the Task "+" menu form the navigation tab bar and choose Deposit
- - Endorse the check you wish to deposit
- Snap a picture of the front and back of your endorsed check
- Click OK once you capture the check images
- Complete the Deposit Info fields

For the best check image results:
- The check should be placed on a dark background
- All four corners of the check must also fit within the boundary indicated by the app
- Select a surface with indirect, natural sunlight for best results
Click here to view our demo in action

Minimum Device Standards:
- iOS 8.0 or higher.
- Android OS 4.1 or higher with a rear facing camera that supports autofocus.
- You have enrolled for mobile banking.

Card Controls

Card ControlsQuestions on Card Controls
What are Card Controls?

Card Controls allow you to control how and where your debit card is used. You can Enable/Disable a debit card for use, restrict card usage to specific types of Merchants and/or Transaction Types, set Transaction Limits and restrict card use to specific geographical regions.

How do I access Card Controls?

Sign into the People’s United Mobile Banking app and select ‘More’ from the menu. From ‘More’ select ‘Card Controls’ to enroll for the service and to review your Card Control settings.

How do I enroll my debit cards for Card Controls?

Sign in using the People’s United Consumer Mobile Banking app, select ‘Cards Controls’ from the ‘More’ menu. Select Add and you will be presented with a list of your eligible debit cards that you can add to Card Controls.

How long does it take for Card Control changes to take effect?

The changes made in Card Controls are effective immediately.

Can I disable my debit card for use if I have lost or misplaced my card?

Yes, once enrolled in Card Controls select the desired card and slide Enable card for use into the off position to disable.

How are Merchant Types used?

Merchant Type controls can be used to permit or restrict your debit card from being used with specific categories of merchants. Merchant Types include Department Stores, Entertainment, Gas Station, Groceries, Household, Personal Care, Restaurants, and Travel.

How are businesses assigned a Merchant Category?

A Merchant Category is assigned based on the merchant’s primary line of business by the Debit Card processor they use.

Can businesses be assigned multiple Merchant Categories?

Debit Card processors will assign businesses a single Merchant Category code based on the higher volume of service/merchandise sales.

How are Transaction Types Used?

Transaction Types can be used to control which types of transactions are permitted. Transaction Types include In-Store, Online, Mail/Phone Order, Auto Pay, ATM, and Digital Wallets.

What is a Threshold Amount?

A Threshold Amount is the maximum dollar amount allowed per transaction. If a transaction exceeds your defined limit, the transaction is declined. Threshold Amounts will not increase your existing card limits.

What are My Regions?

My Regions allow you to assign each enrolled card to a geographical area. When a transaction is initiated, the merchant’s location will be compared to your defined Region(s). If the transaction occurs outside of your Region(s), it is denied. For example, you've defined your region as New York. You make an in-store purchase through a company transacting out of California. In this scenario, the transaction will be declined.

How do I create a Region?

Create a Region by zooming in and out on the map or by entering a specific Region. Although the visible area on your map is square, regions are contained within circles. This may cause areas within the corners of your map to fall outside of the Region. If this happens, edit your Region and zoom out on your map. Regions must have at least a five-mile radius.

Can I define a Region for card use and Block International transactions?

The location controls allows you to select My Regions or Block International Regions. For example, for My Regions to be enabled, Block International will need to be disabled.

Does my device have to be physically within a defined Region for a transaction to be approved?

No. The location of the transaction will be compared to your defined Regions, not your mobile device location.

What would happen if I disable the Transaction and Merchant Type Card Control?

Disabling the Transaction and/or Merchant Type Card Controls would turn off any controls that you may have selected within each category. All Transaction and/or Merchant Types would be permitted.

Who should I contact if I have questions regarding Card Controls or to Report Fraud?

For questions regarding Card Controls or to report fraud please contact our Call Center at 800-525-9248 or visit www.peoples.com for more information.

Card Alerts

Card AlertsCard Alerts
What are Card Alerts?

Card alerts allow you to receive push notification alerts notifying you of recent debit card transactions, from cards enrolled in Card Controls. You can activate or deactivate card alerts, set card alerts for specific types of merchants and/or transaction types, and select a threshold transaction amount for receiving a card alert.

How do I enroll in Card Alerts?

Enrollment of your debit cards into Card Controls will automatically turn on Debit Card Alerts for all debit card transactions. From the “More” menu select “Card Controls” and add your debit cards to the service. You can then review your alert preferences using “Alerts” from the “More” menu.

Which types of alerts are available?

You have the ability to select alerts for all debit cards transactions or choose the types of debit card transactions you would like to receive alerts using merchant types, transaction types, threshold limit and international categories. You can also select none to turn off alerts; however, mandatory alerts still apply.

How are Merchant Type Alerts Used?

You will receive an alert when an enrolled card is used with specific categories of merchants, such as restaurants and department stores.

How are Transaction Type Alerts Used?

Use transaction type alerts to control which types of transactions trigger an alert. For example, if you do not often make online purchases, you could enable eCommerce to receive an alert when an enrolled card is used in an online transaction.

What is a Threshold Amount Alert?

A threshold amount alert is the dollar amount that, if exceeded, will trigger an alert. If a transaction exceeds your defined amount, an alert will be delivered to your mobile device.

What is the International Alert?

The international alert will be delivered any time the card is used in a transaction outside of the registered country.

Mobile Web

Mobile WebQuestions on the Mobile Web
What is the Mobile Web?

The Mobile Web is optimized specifically for mobile web viewing. If you have a web browser on your- mobile device, you will be able to access Mobile Web Banking Mobile Web Banking is available for Personal and Business banking customers. Message and Data rates may apply. Contact your wireless service provider for more information.

What is the url to access Mobile Banking Web?

To access Mobile Web Banking go to m.peoples.com.

What mobile devices are supported?

The People's United Bank mobile App can be used on most mobile devices such as:

Apple:
- iOS 8.0 or higher
- iPhone® 4s, 5, 5s, 5c, 6, 6s, and 6 Plus, 7 and 7 Plus
- iPad® 4th Gen, Air and Mini(non Retina)


Android:
- Android OS 4.1 or higher
- Various devices (Smartphone and Tablet)


Kindle
- Android OS 4.1 or higher
- Kindle Fire HD, 7 and 8.9
- Kindle Fire HDX, 7 and 8.9

Is the Mobile Web different from the website I view from my PC?

Yes, our Mobile Web offers a customized experience when mobile web browsing. Although the People's United Bank website that is viewed on your PC can also be viewed on the browser of your mobile device, the People's United Banking Mobile Web is optimized specifically for mobile web viewing.

What can I do through Mobile Web Banking?

You can make payments, view account balances, search recent account activity, transfer funds between People's United accounts, download the Mobile App or find the nearest Branch or ATM location.

How can I access the People's United Mobile Website on my device?

In your web browser go to, m.peoples.com, to access Peoples United Bank Mobile Web Banking.

How do I access my account using Mobile Web?

From a browser on your mobile device go to m.peoples.com, select the Personal or Business Tab and Login.
Enter your online banking user ID and password and if prompted answer security questions or select to receive a one-time security code using text messaging.

If I forget to log out, is there a security time out?

Yes, your session will time out after your have been idle for a period of time

Can I make a check deposit through Mobile Web Banking?

Check deposit is not available through Mobile Web Banking.

Text Banking

Text BankingQuestions on Text Banking
What is Text Banking?

Text Banking is an option that offers you access to view account balances and transfer funds from your mobile phones. Text banking allows you to get account information by texting certain commands. You must have a People's United Bank account registered for online banking and register your mobile phone for Text Banking. Message and date rates may apply. Contact your wireless service provider for more information.

What is People's United Bank Text Banking Number?

Our text banking number is 84421

For the text message, supported carriers include but are not limited to AT&T, Verizon Wireless, T-Mobile ®, MetroPCS, Sprint, Boost, Virgin Mobile USA, Cincinnati Bell, U.S. Cellular ®. Text STOP to 84421 to cancel and text HELP to 84421 for assistance. There is no cost to enroll in Text Banking nor does People’s United Bank charge for each text message. (Message and data rates may apply.) For questions and additional information call 1.800.525.9248.

What are the text banking commands?

B or BAL = Available Balance
H or HIS = Quick History
C or CMD = Command
HE = Help
S = Disable Text Banking & Alerts

What is an activation code?

Activation is a one-time process that helps ensure your security. After you enroll a phone for mobile Text Banking, you will receive an activation code which will be required to begin using Text Banking on your device. We recommend you print your activation code and installation instructions for easy reference during installation.

Do activation codes expire?

Yes. Activation codes expire after a specific period of time (usually 24 hours). If you received an activation code and never used it, you will need a new one. Return to the Mobile Banking Center within Online Banking to request a new activation code.

Are text commands case sensitive?

No, text commands are not case sensitive.

Will Text Banking work on my phone?

If your carrier supports text messaging and you have a text message capable phone, you will be able to use Text Banking. Message and Data rates may apply. Contact your wireless service provider for more information.

Will I receive unsolicited text messages?

No. You will only receive messages when you specifically request them with one of the Text Banking commands or if you subscribe to Mobile Alerts.

I enrolled my phone number but did not receive a text message. What should I do?

Typically you should receive a text message within a few minutes after enrolling, however sometimes mobile carriers experience delays which slow down text message delivery. While waiting, make sure your phone has wireless signal. In addition, be sure you entered the correct phone number on the enrollment site. If you still do not receive it, contact your wireless carrier to be sure text messaging is enabled on your phone.

Can I use Text Banking on my phone with Mobile Banking?

Yes, you can use both options from the same phone. To do so you will need to activate each option for your phone prior to use.

Can I use Text Banking on more than one device?

Yes. Visit the Mobile Banking Center and simply enroll (and then activate) another phone number.

Do you offer Message Alerts sent in the form of a text?

Yes. We offer text message alerts. To establish a text message alert visit the Manage Alerts page in Online Banking.


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