Mobile Banking FAQs


Basics ||  Mobile App  ||  Mobile Deposit ||  Mobile Web ||  Text Banking



*Please note that some links that appear on this page are designed to function strictly on mobile devices.

Basics

What is Dedhamobile?

Dedhamobile is mobile banking, a more convenient version of our online banking product, Your Link, which allows you to perform banking activity on your mobile device via three different mobile modes:

  • Text Banking – ability to view banking activity through text messaging on your mobile device.
  • Mobile Web Banking – ability to login to Your Link Mobile Banking through the web browser on your mobile device.
  • Mobile App Banking – ability to download the Your Link Mobile Banking application to your mobile device or tablet using apps available through the Apple App Store and the Android Google Play Store.

How do I enroll in Dedhamobile?

It’s easy!

You may also download the Dedhamobile App on to your mobile device by visiting the Android Google Play Store or Apple App store.

Or just follow the steps below.

Step One: Login to Your Link .

Step Two: Click on the Manage mobile banking settings quick link. When the Mobile Banking Center displays, select the Enroll mobile device link to enroll a mobile device for Dedhamobile.

Step Three: When enrollment is complete you will be given an activation code and instructions on how to activate your mobile device.

If I am not enrolled in Your Link online banking, may I use this service?

Because Dedhamobile is an enhanced version of Your Link, in order to access any mode of Dedhamobile you need to be enrolled. If you would like to enroll in Your Link, please click Enroll Now under Consumer Online Banking from our homepage www.dedhamsavings.com. Click on "not yet enrolled" on the left side of the panel. Or, if you would like to enroll immediately, simply click here.

What is the fee for Dedhamobile banking?

Dedhamobile is FREE of charge. Keep in mind however, there may be charges associated with text messaging, data usage and web access on your mobile device. Please check with your wireless carrier for more information.

Does it matter which wireless carrier I use?

We support all the major US wireless carriers, including AT&T, Sprint, T-Mobile, and Verizon. If your carrier is not listed when you enroll, select 'Other' and try the Mobile Web option or check back later, as new carriers will be added over time.

Do I need a text message or data plan?

We recommend that you have one of these plans because data usage can become expensive without one. Please check with your wireless carrier for more information.

Is Dedhamobile secure?

Yes it is. You can rest easy for the following reasons: 

  • The mobile website is accessed only through secure encryption (https) and the application will time-out when your mobile device is not in use.
  • Only mobile devices that you enroll in the service can access your accounts.
  • Account data is never stored on your mobile device.
  • In the event that your mobile device is lost or stolen, the service can be immediately disabled by logging into Your Link and deactivating the device through Manage mobile banking settings.

What banking activities can I perform through Dedhamobile?

If you are enrolled in Text Banking, you can:

  •  View account balances
  •  View up to 90 days of account activity 

 If you are enrolled in Mobile Web Banking or Mobile App Banking, in addition to the activities listed above you can:

  • Transfer money between internal accounts at Dedham Savings
  • View transaction details
  • Pay bills
  • View scheduled payments (up to one year in the future)
  • View recent payments (past 30 days)
  • Search for nearby Dedham Savings branches or ATMs
  • Make deposits (through Mobile App Banking only)

What happens if I get a new mobile device or change phone numbers?

If you get a new mobile device or change phone numbers, simply update your mobile device profile. Sign on to Your Link from your home computer and click on Manage mobile banking settings to make the changes. Please note, we recommend removing your old mobile device and re-enrolling your new mobile device.

What is activation?

Activation is a one-time process that helps ensure your security. An activation code is issued upon successful enrollment in Dedhamobile through Your Link. You will need to enter this code on your mobile device to begin Text Banking. We recommend you print your activation code and installation instructions for easy reference during enrollment.

Can I use Mobile Banking or Text Banking on more than one mobile device?

Yes, visit the Mobile Banking Center within Your Link and simply enroll (and then activate) another mobile device.

I activated my Mobile Banking on my mobile device’s browser so why am I being asked to activate again?

At the time of activation a "cookie" is stored on your mobile device's browser which allows the Dedhamobile system to remember that you activated. The cookie is only visible by the Dedhamobile system and does not contain personal information. Some mobile devices may require you to enable cookies or periodically erase them, requiring reactivation. If you are experiencing this issue, check your mobile device settings to ensure that cookies are enabled. If cookies are enabled and the issue persists, please contact your wireless carrier for cookie support information on your mobile device.

What if my mobile device is lost or stolen?

If you are concerned about misuse of your mobile device, contact your mobile service provider immediately to stop all wireless service. Additionally, sign on to Your Link online banking and disable or remove your mobile device.

Who do I call if I need assistance logging into Dedhamobile?

If you are having trouble accessing Dedhamobile, please contact our Deposit Support area at 781-329-6700 or 1-800-462-1190, ext. 202, Monday through Friday 8:30 AM to 7 PM and Saturday 9 AM to 1 PM.

Mobile Applications (Apps)

What apps are available?

Dedham Savings has custom apps for the Android phones and tablets and Apple iPhones and iPads.

How is the Dedham Savings app different from m.dedhamsavings.com?

Our app is made specifically for smartphones and tablets. This means we use your device’s built-in features to provide a better experience. One touch access to Sign On, easy menu navigation and GPS powered location information are included.

How do I know I am downloading a legitimate app?

To ensure the safety of your personal and account information, download mobile apps from reputable sources only. When downloading a Dedham Savings App for your mobile device, ensure that Dedham Savings is listed as the app publisher or seller. If you have suspicions about the authenticity of a mobile banking app, bookmark and visit m.dedhamsavings.com, our optimized mobile website.

Is the Mobile Banking App supported on my mobile device?

The mobile app is available on many smartphones and tablets including Android phones and tablets and Apple iPhones and iPads. Mobile Web and Mobile Apps can be found by entering the mobile web URL (m.dedhamsavings.com) in your device's browser. They can also be downloaded directly from the Apple App Store or from the Android Google Play Store. 

How do I install the downloadable application on my smartphone or tablet?

You may download the App by visiting the Android Google Play Store or Apple App store.

Or simply follow the steps below:

  • Your phone will receive a text message from shortcode 79680 once you have registered your phone for Text Banking in the Mobile Banking Center. Select to view (or open) the message (you can also view it later by going to your phone's text message inbox).
  • Select the URL link -- m.dedhamsavings.com -- in the text message. This is typically done by selecting a command on your phone's menu, such as "Connect" or "Go To."
  • You will then be brought to a page with a Download link (If your device supports this option). Click this link to download the application.
  • When finished, you will be notified that the download is complete.
  • After launching the App for the first time, you may be asked to give permission to access the data network. You will need to grant permission in order to proceed.
  • After downloading the Mobile Banking App, an app icon appears on your mobile device. Upon accessing the Mobile Banking App customers are asked to login using their Your Link User ID and password.

Note: You may also download the Application by visiting the Android MarketPlace or Apple App store.

Where can I download the Dedhamobile app?

Right here.

Smartphones

 

Tablets

Mobile Deposit

What is Dedhamobile Deposit?

Dedhamobile Deposit allows you to deposit a check into an eligible Dedham Savings Checking, Statement Savings or Money Market account using your smartphone or tablet (with rear facing camera). Dedhamobile Deposit is currently available only on the Dedhamobile iPhone, iPad and Android applications Apps.

How do I enroll in Dedhamobile Deposit? 

Existing Your Link Online Banking customers should sign onto Your Link Online Banking and select "Start Making Online Check Deposits" from the left navigation panel. Submit the enrollment and within 3 business days you will receive an email notification letting you know when you may start using the service.

Do I need a certain type of mobile device to use Dedhamobile Deposit? 

Yes, you will need a Smartphone or tablet with rear facing auto focus camera to use the Dedhamobile Deposit service which is available through the Dedhamobile downloadable app. The app can be found on Apple iPhones, iPads, and Android phones and tablets that have a rear facing camera. If you don't already have the app installed on your mobile device, go to the Apple App Store or Android Google Play Store to download.

Who is eligible to use Dedhamobile Deposit? 

Any existing Your Link Online Banking and Mobile Banking customer who has a Checking, Statement Savings, or Money Market account in good standing is eligible. The account must be open at least 90 days for you to be eligible to deposit checks remotely using their mobile device. If you are not currently a Your Link Online Banking customer, click here to enroll today.

What if an account is not displayed on the deposit screen of Dedhamobile Deposit? 

In most cases, eligible accounts will automatically be available for Dedhamobile Deposit. If you have an account that does not display on the deposit screen of Dedhamobile Deposit, please call our Customer Support area at 781­-329­-6700, extension 202 for assistance.

What types of checks are not eligible for deposit through Dedhamobile Deposit?

US Savings Bonds, money orders, foreign checks, re-deposited checks, third party checks payable to any person or entity other than a signer on the account will not be accepted by Dedhamobile Deposit. Please visit one of our branches to make a deposit that is not available through Dedhamobile Deposit.

Do I need to take a photo of both the front and back of the check?

Yes, the app will prompt you to take a picture of both the front and back. Please make sure to endorse the back of the check and write FOR DEPOSIT ONLY DEDHAM SAVINGS under your signature.

How do I endorse my check to deposit remotely?

You should sign your check with the following endorsement:

  •  Your Signature
  •  For Deposit Only Dedham Savings 

How will I know if my deposit is received and processed?

You will receive a notification by email when your deposit has been received. Please save your check until you receive the second notification indicating your deposit was approved. When your deposit is processed, you will receive a second email notification on the status of your deposit. This email will indicate if the deposit was approved or declined for processing. If declined, a reason will be provided. If approved, please write "Processed" and the current date on the back of the check.

Why are my check images being rejected?

For the best image results, lay your check on a flat, dark surface with adequate lighting. Hold the camera steady and make sure all four corners of the check are captured. Also make sure you have endorsed the back of the check by signing your name and writing FOR DEPOSIT ONLY DEDHAM SAVINGS

What should I do with the check after I have deposited it?

Please retain the check for 30 business days after you have submitted the check for deposit and received an approval email. After 30 business days, you should securely destroy the check. Do not attempt to deposit the check again.

When will I see my deposit in my check history?

The deposit will appear in the Deposit History screen on the Mobile App right away. 

Checks successfully deposited through Dedhamobile Deposit prior to 4 p.m. ET on any business day will appear in your account history the following day (ex. A check deposited at 3 p.m. ET on Monday will be processed on Monday and appear in Account History on Tuesday). 

Checks successfully deposited after 4 p.m. ET on any business day or anytime on a non-business day will be processed the next business day. The deposit will appear in Account History the following business day. (Ex. A check deposited at 6 p.m. ET on Wednesday will be processed on Thursday and appear in your Account History on Friday. A check deposited after 4 p.m. ET on Friday or anytime on Saturday or Sunday will be processed on Monday and appear in your Account History on Tuesday).

What are the deposit limits associated with Dedhamobile Deposit?

You cannot deposit more than $3,000 through Dedhamobile Deposit on any single day. You cannot deposit more than $6,000 through Dedhamobile Deposit over any 5 consecutive business days.

What if I submitted a deposit for the wrong amount? Do I need to resubmit the deposit?

No, you do not need to resubmit your deposit. If you entered the wrong amount for the deposit, we will correct the deposit amount. You will receive an email notifying you of the change. 

A check I submitted was returned, can I resubmit it?

If a deposit is returned, please do not re-deposit the check with the Dedhamobile Deposit service. We will send you written notice through the U.S. Postal Service if a deposit is returned. Please visit one of our branches to make a deposit that is not available through Dedhamobile Deposit.

If I need additional information on Dedhamobile Deposit, who can I call?

If you need assistance enrolling into Dedhamobile Deposit, please contact our Customer Support Area at
781-­329­-6700, extension 202.

Mobile Web

How do I sign up for Mobile Web?

Login to Your Link on your computer and choose the Manage mobile banking settings quick link. Enroll your mobile device and follow the instructions. If you use challenge questions for Your Link online banking, you can enroll for Mobile Banking directly from your mobile device by entering the mobile web URL m.dedhamsavings.com.

How do I perform banking activities through Mobile Web Banking?

If you have enrolled in Text Banking, you received a link for Mobile Web. You may also enter m.dedhamsavings.com directly into your mobile device browser to login.

How is m.dedhamsavings.com different from dedhamsavings.com?

The general website for Dedham Savings is www.dedhamsavings.com; whereas m.dedhamsavings.com is the optimized mobile website for access to your Dedham Savings accounts.

Can I pay bills using Mobile Web (m.dedhamsavings.com)?

Yes, after setting up your payees in Your Link online banking via your computer, you are able to use the mobile bill pay feature.

Do I need an activation code for Mobile Web?

An activation code is not needed for Mobile Web. The security verification will be your user log in information (User ID and password) on Your Link.

What actions may I perform in the Pay Bills section?

You may view any scheduled payments or recent payments, along with the ability to schedule bill payments to any payees that have previously been set up on Your Link. If you would like to add any payees or edit payee information you may do so via Your Link on your computer.

Text Banking

What is Dedhamobile Text Banking?

Text Banking gives you access to your accounts via text messaging on your phone. It's a fast and easy way to look up account balances or recent account history by sending a text command.

What number do I use to send a text message?

All text messages should be sent to shortcode 79680.

How do I send text messages to perform banking activity?

After you enroll your mobile device for Text Banking, a message from shortcode 79680 is sent to the enrolled mobile device. The text message instructs you to reply with the activation code given at the time of mobile phone enrollment. Once you reply with the correct activation code, you are able to send text commands to 79680 to perform banking activity. A list of text commands is available when you send “C” to 79680.

What are the Text Banking commands?

FUNCTIONCOMMAND DESCRIPTION
BalanceBSummary of available balances for all accounts setup on Your Link
HistoryHSummary of recent transactions per account
CommandCList of available Text Banking commands
HelpHEHelp content for Text Banking
LoginLReceive a URL for the Dedham Savings Web Banking website
RecoverRReceive a URL and new activation code for the Dedham Savings Web Banking website
StopSDe-activate all Dedham Savings text services

Note: You can check for additional available commands by activating your phone and sending “C” to 79680.

Are text commands case sensitive?

Text commands are not case sensitive.

Is Text Banking secure?

Text Banking is secure because no personal detailed information, including full account numbers, is sent.

Will Text Banking work on my phone?

Text Banking will work on any text message-capable phone from one of our supported carriers.

Will I receive unsolicited text messages?

You will only receive messages when you specifically request them with one of the Text Banking commands.

How quickly does the message go through?

Messages typically go through within seconds. However, they can take up to thirty minutes depending on your particular wireless phone carrier.

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

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

I received an activation code but never used it. What should I do now?

Activation codes expire after a specific period of time (usually 24 hours). If you need a new one, login to Your Link and request a new activation code through the Mobile Banking Center.