The text, or SMS, system is simple and fast. Members will be able to sign up in the new online banking system via the “preferences” link, where they can authorize their preferred mobile device. Once that is complete you will be welcomed to text banking with a message on your phone. Then you provide “nicknames” for each of your accounts, and once that is completed you are ready to go. You can check available balances, look at your history and make transfers between accounts.