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Text Messaging FAQs

What services are available with text messaging?

With our text messaging service, you can check your account balances, review recent account activity and find MetaBank ATMs and branch locations.

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What are the requirements for the text messaging service?

To use the text messaging service, your phone must send and receive text messages to and from a shortcode. Most mobile phones are capable of sending and receiving text messages, so your phone is most likely compatible with text mobile banking. Please note that some mobile service carriers charge for outgoing text messages or for each message sent and received.

Learn More About Mobile Banking FAQs

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What do I need to use the text messaging service?

To use MetaBank’s text messaging service, you must:

  • Register for online access
  • Have a mobile phone that supports SMS text messaging and shortcodes
  • Enroll in mobile banking through the Online Banking Center and select the text messaging service

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Why are my text messages coming from "48179?"

You will receive all MetaBank text messages from 48179. To make it easier to recognize our text messages, add us to your contact list with the shortcode 48179.

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What is a shortcode?

A shortcode is a shortened version of a phone number. A shortcode is generally five or six numbers in length. Five-digit shortcodes range from 20000 to 99999; six-digit shortcodes range from 222222 to 899999. You can send and receive text messages from a standard U.S. shortcode, as well as a traditional phone number.

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What does “standard messaging rates may apply” mean?

Every mobile service carrier has a different rate plan for text messaging and data services access. You may be charged per use or pay a flat rate for unlimited usage each month. You may also have different fees for text messaging and data services access. Please contact your mobile carrier directly if you aren’t sure what fees you will be charged for using our mobile banking and text messaging services.

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Where should I send my text messages?

Send all MetaBank text messages to 48179.

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What are the text messaging keywords, and how do I use them?

The text messaging codes are outlined on the “Text Messaging” page of

Learn More About Text Messaging

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Are the text messaging keywords case-sensitive?

No. For example, whether you type "BAL" or "bal" we will send a response with your account balance information.

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What does a typical request and response look like?

A balance request (“BAL”) may look like this:

BAL @ 1207 14:59
CHK1 $3,849.27
CHK2 $2,555.02
SAV1 $14,116.00
Reply STOP to cancel.

A transaction history request (“TRAN”) may look like this:

1207 14:50
1207 - $5.55
1205 - $50.00
1201 + $100.00
Reply NEXT. Msg&Data rates may apply

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What should I do if I don’t receive a response to a request?

Make sure you’re sending text messages to 48179. Check the keyword and any additional information required for the request, such as MetaBank’s identifier, the account nickname or address.

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Can I send a text messaging keyword via email?

No. Text messaging keywords are not supported in email. The two-way feature of our text messages works only with mobile devices.

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Why are my results sent as multiple messages?

Text messages are limited to 160 characters. Sometimes we can't send all your account information in one message, because it exceeds the character limit. In this case, we send your account information in multiple messages – no more than five at a time.

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Why did my results arrive in multiple messages at different times?

If you receive one message, it means we've sent all the response messages to you, and you should receive them shortly. It may take a few minutes to receive them all depending on your mobile service. If you haven't received all your messages after a few minutes, please let us know. If the problem persists, you may want to contact your mobile service carrier.

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Why can’t I receive mobile banking text messaging even though text messaging is enabled on my mobile device?

Your mobile service carrier may be blocking shortcodes, or you may have blocked shortcodes in your phone options. You must have shortcodes enabled to use our text messaging service. Check your phone options, and contact your mobile service carrier to ensure it isn’t blocking shortcodes.

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