If you can send and receive text messages on your phone, you can use Text/SMS Mobile Banking to quickly access account information and make transfers. You can perform most of the available Mobile Banking functions via text message:
Text/SMS Mobile Banking is available to you as soon as enrollment is completed. Read the Learn More section for information and instructions on how to enroll for Mobile Banking.
For more detailed information about Text/SMS Mobile Banking, please review the FAQs below.
What is Mobile Text/SMS Banking?
Arvest Mobile Text/SMS Banking enables you to retrieve information and manage your bank accounts from a mobile device through text messaging (sometimes called SMS – short messaging service). If you already bank online, it is another way of accessing your account balance and reviewing your most recent account activity using a text message service on your phone.
What is a shortcode?
As a Mobile Text/SMS Banking user, you will use a special Shortcode to communicate with the bank. Shortcodes are special telephone numbers, usually five or six digits long, which are used to send and receive text messages from mobile phones within the US. They are often used for services such as television voting, ordering ring tones, charity donations and mobile services.
36272 is Arvest Bank’s shortcode for communicating with you via Mobile Text/SMS Banking.
How do I know if my mobile device supports Text/SMS Messages?
The majority of all mobile devices in the U.S. now support text messages. To find out for certain contact your mobile service provider. Please be aware that some phone services apply charges for sending and receiving text messages. Check your phone service plan for any applicable texting charges.
Will Arvest’s Mobile Text/SMS Banking and Alerts work on my mobile device?
Our service will work, provided your phone has the ability to send and receive text message short codes, and that you subscribe to a carrier that supports Arvest’s Mobile Text/SMS Banking and Alerts. Supported carriers are listed below:
- Centennial Cellular Corporation
- Cincinnati Bell
- AT&T/Cingular Wireless
- Dobson Cellular Systems (AT&T Wireless)
- MTS Mobility
- Nextel/Boost USA
- NTelos (Virginia PCS)
- Rural Cellular Corporation
- Telebec Sprint
- T-Mobile (VoiceStream)
- US Cellular Corp
- Verizon Wireless
- Virgin Mobile USA
Does Mobile Text/SMS Banking work on most pre-paid phone service plans?
The Mobile Text/SMS Banking service will work with most pre-paid phone plans; however there are some phone plans that do not support shortcodes.
The following pre-paid mobile service plans currently do not support shortcodes:
- T-Mobile prepaid
- Most Verizon MVNOs (e.g., MIGO) prepaid
- TRACFONE® prepaid
Who do I contact if I need help with Mobile Text/SMS Banking?
Text the word “HELP” to Arvest at 36272
for a list of commands. You can also view the Mobile Text/SMS Banking Demo
to get an in-depth look at how to use the service. For personal assistance, please call (866) 952-9523
I have disconnected my mobile device or changed carriers. Will my Mobile Text/SMS Banking service continue to work?
Carriers do not always immediately report disconnected numbers, so your mobile device may continue to work for a short time after disconnection. As a security precaution, you should sign on to Arvest Mobile Banking and disable the device within the Phones section. You can then register and activate your new mobile device by selecting the Add Phone Number button.
Where should I send my text message to get account information?
Send your text message to Arvest 36272. You may want to add Arvest 36272 to your contact list for easy access.
How long does it take to get a response message via Mobile Text/SMS Banking?
You will usually receive a text message response in less than a minute. Exact timing will depend on your mobile service provider. If you have not received a message within 3-5 minutes, please retry your text command.
Is Mobile Text/SMS Banking case-sensitive?
No. Whether you type “BAL” or “bal”, we will send your account balance to you via text message.
What would a typical text message to Arvest look like and what can I expect to get in response?
- Example 1: To check the balance of all available accounts.
Command: Send “
” to 
- Example 2: To Transfer funds from one checking account to another.
TRA CK1 CK2 100
” to ”
How should I format text messages I send to Arvest?
- Avoid using a signature: Many phones have the capability of attaching a signature to your outgoing text messages, similar to a signature you may have attached to your outgoing email. In order to receive reliable results, you must remove the signature from messages you send us.
- Avoid replying to a previous Arvest text message: Unless the message you received specifically instructs you to “Reply with a response”, always send a new message to Arvest. Replying to any previous text messages may include additional text that isn’t visible to you when you write the text message but will make it unreadable to Arvest. To get the best results, always send new messages to Arvest , unless specifically prompted to do otherwise.
Why can’t I receive text messages from Arvest on my mobile phone? I am enrolled in Mobile Banking and have text messaging enabled on my phone.
You may already have text messaging enabled on your mobile phone, but the use of “shortcodes” may be blocked by your mobile phone service provider. You must have shortcodes enabled to use Arvest’s Mobile Text/SMS Banking. Please contact your mobile phone service provider to ensure they aren’t blocking the use of shortcodes, and that your carrier supports the use of shortcodes
Why are my results sent as multiple messages?
Each response you receive from Arvest may vary in size because all text messages are limited to 160 characters. Sometimes we can’t send all of your account information in one message because it exceeds the 160 character limit. In this case, we will send your account information over multiple messages – no more than five at a time.
Can I see all of the results in a single message?
You can narrow down your results by creating short nicknames for each account on file. Please use these nicknames to cut down on the length of each resulting message and to narrow the information to that account only.
What does it mean when I see “1/2” on my screen?
“1/2” means you are reading the first message in a series of two messages. We label this as “1/2” to ensure you will read your text messages in the correct order.
Why are the text messages out of order when multiple messages have been sent?
Arvest sends messages back to you in the order that they are intended to be read, and we will always clearly indicate which messages they are (“1/2” or “3/3”, for example). Unfortunately, depending on your mobile provider, messages sometimes get mixed up on the way to your phone.
My results were sent as multiple messages. Some messages arrived first. Why did it take so much longer for the others to arrive?
Depending on your mobile provider, it may take a while for messages to get delivered. If you receive one message, it means we’ve sent all the messages to you and you should receive them shortly. It may take a few minutes for you to receive them all. If after a few minutes you still haven’t received all your messages, please contact Customer Service. If the problem persists, you may want to contact your mobile provider.
What is maximum number of results I can receive for each inquiry?
You can receive up to five results per inquiry.
Can I view Account Balance and History on Mobile Banking?
Text message the following shortcuts to 36272
(Arvest shortcode) to view account balance and history.
- BAL – Receive account balances. (Available balance for deposit accounts is the current balance of the account plus pending credits minus any holds or pending debits.)
- LAST or HIST – Returns a list of your most recent transactions posted.
How current is the balance information?
Account information displayed in Mobile Banking is real time information and matches what is displayed within Arvest Online Banking. Pending transactions that have not fully processed will display with a (P).
Are transfers immediate?
Mobile Banking transfer requests are transmitted to the bank when you initiate it on your mobile device and the bank receives it via the mobile network. Any interruption in the mobile network could delay the request being received by Arvest. Transfers made after 8:00 PM will post on the next business day.
Can I transfer funds between financial institutions?
No, currently you can only transfer funds between your accounts at Arvest.
What is the maximum amount I can transfer between accounts?
There is no maximum transfer limit between your accounts at Arvest.
Can I pay bills through Text/SMS Mobile Banking?
BillPay is only supported via Mobile Web browser
and Mobile App
versions of Mobile Banking.