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Mobile & Online Banking

Our customers are busy and don't always have the time to make a trip to the bank. That's why we are happy to offer Mobile and Online Banking solutions to help you manage your loan and deposit accounts with us. Spirit of Texas Bank Mobile makes it easy to check your balance, transfer funds, pay bills and even protect your account with our Carding Services feature which allows you to freeze or unfreeze your debit card should it be lost or stolen. Don't waste a trip to the bank when that time could be spent doing something you really enjoy. Enroll in Online Banking by calling or visiting the nearest Spirit of Texas Bank location. Then, download our app, Spirit of Texas Bank Mobile, and begin banking from the palm of your hand.

Online Banking

Online Banking allows our customers to manage their loan and deposit accounts from any web-enabled computer or mobile device. You can view accounts to balance budgets or to ensure financial security. Transfer funds to and from you Spirit of Texas Bank accounts before making purchases. You can even pay bills using BillPay. Get started today by calling or visiting the nearest Spirit of Texas Bank location.

Mobile Banking

The Spirit of Texas Bank Mobile App is a more convenient way for our customers to access their accounts from their mobile device. The App is perfect for those on the go. Download the App from the Apple App Store or the Google Play Store today! For more information on getting started with the Spirit of Texas Bank Mobile App click on the link below.

Mobile Banking Frequently Asked Questions

We have compiled a list of frequently asked questions for your convenience. Of course, if you aren't able to find the answer you are looking for, we are always happy to help; just give your local branch a call.

Mobile App Basics

How do I access the Spirit of Texas Bank Mobile App?
The mobile app is reserved exclusively for Spirit of Texas Bank customers. Users may enroll in the app if they have a Spirit of Texas Bank Mobile ID which is the same as the User ID for Online Banking.
Depending on your mobile device, visit either the Apple App Store or the Google Play Store, search for the app, and then download the app.
Log on to the mobile app with your Mobile Banking ID (Online Banking User ID) and your Online Banking password or, if you have not set up Online Banking, your temporary first-time password provided by your local branch.
Complete the required fields, agree to the Terms and Conditions, and you are good to go! All of your eligible accounts are now visible on the mobile app.
If you have further questions, call your local branch and a representative will be happy to assist you.
What type of phone must I have to use the mobile app?
Spirit of Texas Bank Mobile works with any web-enabled phone device whose network allows secure SSL traffic. The mobile banking app is only available for Apple™ products with iOS 6 or newer, and Android™ devices.
How much does the Mobile App cost?
The mobile app and the services provided therein are currently provided to our customers free of charge; however please check with your wireless provider about carrier and web access charges.
What happens if I lose my mobile device?
Since your account data is not stored on your mobile device, your information should be secure. When you replace your device, edit your Mobile Settings in Online Banking and make any changes to the Wireless Provider and/or the Phone Number.
What do I need to do if I get a new phone?
If you get a new phone but keep the same phone number and provider, no changes on your part are necessary. If you switch providers and/or phone numbers, log on to Online Banking and update your information on the Options > Mobile Settings screen. You will not receive text messages regarding mobile banking transactions if your phone number and carrier are not correct.
What if I no longer want to be a mobile user?
Log on to Online Banking and go to Options>Mobile Settings. Clear the Activate Mobile Banking Access check box, and then select Agree.

Mobile Deposits

How do I access Mobile Deposits?
You may access Mobile Deposits by selecting Mobile Deposits from the main menu, agreeing to the Mobile Deposits Terms and Conditions, completing the registration information, selecting the desired eligible account(s) you would like to deposit to, then pressing Done.
What are the limits for Mobile Deposits?
Customers are generally allowed the following limits:
Metric Daily Monthly
Individual item amount $500 NA
Aggregate amount $1,500 $5,000
3 10
Customers that have an established relationship with the bank (usually no less than 6 months) may request to have limits increased.
How should checks be endorsed?
All checks deposited through Mobile Deposit must be endorsed “For Mobile Deposit Only” followed by your signature. Spirit of Texas Bank may reject any deposit with improper endorsement.
Certain checks have additional security features that may require you to check a box on the back of the check to signify that the check is for mobile deposit only. For error free processing, please ensure that these items are completed correctly.
Can I deposit a check made out to me and someone else?
These types of checks, often referred to as two-party checks, require two or more endorsements and will not be accepted for deposit via Mobile Deposits. We are happy to take the check at any of our locations with proof of proper endorsement.
When will I receive credit for a check I deposited through Mobile Deposits?
Deposits made prior to the 4:00 pm cut-off time will generally receive credit on the next business day. Saturday is not considered a business day. Applicable Regulation CC holds may apply to your deposit. Please refer to your account agreement for detailed information.
Is there a fee for Mobile Deposits?
Mobile Deposits is currently a complementary product.
Is the Mobile Deposit product available for consumers and businesses?
The Mobile Deposit product is designed for consumers, but certain small businesses that do not qualify for Treasury Management products may take advantage of the product. It is important to note, however, that limits are strictly enforced. Deposits that exceed limits will be rejected.
Who do I contact when there is an issue with my deposit?
Most problems arise due to attempting to exceed limits, not completing a check correctly, improperly endorsing a check, or poor picture quality. We will send you emails for certain errors, but here are some simple fixes:
  • Make sure you are endorsing the check properly. A proper endorsement is “For mobile deposit only” followed by your signature. Certain checks may have additional security features that need to be completed, such as a box that must be checked indicating the check is for mobile deposit only.
  • Take pictures in accurate light and be sure that the camera lens is clean and un-impeded.
  • Check your limits and make sure the deposit will not exceed the limits as it will be rejected. Limits may be found by clicking the information icon in the upper-right corner of the screen.

Bank to Bank Transfers

What is the difference between Bank to Bank Transfers and Person to Person Transfers?
Bank to Bank Transfers allows customers to receive or send funds from their Spirit of Texas Bank accounts to or from their account at another financial institution.
Person to Person Transfers would allow customers to send funds from their Spirit of Texas Bank checking or savings account to an account owned by someone else at another financial institution.
Spirit of Texas currently only offers Bank to Bank Transfers.
How do I enroll in Bank to Bank Transfers?
To enroll, login to online banking, select Bank to Bank Transfers and follow the prompts. If you happen to run into any trouble along the way, give us a call and we will help you through it.
How does verification work?
After enrolling in Bank to Bank Transfers, your added external account will receive an undisclosed sum. When you have received that sum, enter it into the Verification Amount column. This tells us that you have access to the account to which you will be transferring funds.
What are the limits for Bank to Bank Transfers?
Although Bank to Bank Transfers is a secure way to send funds, we have established limits for added security. Customers may have up to 5 external accounts enrolled and may send up to $5,000 per day. Only 3 transfers are allowed per day.
What is the cutoff time for Bank to Bank Transfers?
The cutoff time for same-day Bank to Bank Transfers is approximately 3:30 pm on business days. We emphasize approximately because internet connections and system speeds can affect the time it takes to process Bank to Bank Transfers. For instance, if you were to submit a Bank to Bank Transfer at 3:28 pm., we cannot guarantee it will be processed the same day. Not to worry though, your transfer will be sent the following business day.
When will I receive the funds I sent to my external account?
When you actually receive funds is contingent on the external institution’s ACH processing procedures. If cutoff times are met, we will generally have funds sent by the end of our processing day – the rest is up to your other financial institution.
How do I cancel a Bank to Bank Transfer?
You cannot cancel requests for immediate Bank to Bank Transfers. You may cancel advanced transfer requests and recurring transfer requests by 3:30 pm of the day prior to the scheduled transfer date.
Do Bank to Bank Transfers count against my transaction limits for my Money Market and savings accounts?
Yes, because Bank to Bank transfers are not “in-person transactions” these items will count toward the 6 item per statement period limit.

Mobile App General Functionality

How do I know if my transfer or bill payment was entered successfully?
If you selected to receive text alerts, each time you make a transfer or bill payment, a confirmation text message is sent to your mobile device. If you do not receive a confirmation text message, check to make sure that the transaction went through via Online Banking.
How do I delete a Bill Pay payment that I set up through my mobile device?
Log on to Online Banking and delete the payment from the main menu of the Bill Pay option.
Why can I not add a new Bill Pay payee?
For security purposes, Bill Pay functionality is limited to sending payments to already established payees. Log on to Online Banking to add a payee. You can then submit payments to that payee via your mobile device.
Can I manage my Spirit of Texas Bank debit card(s) from the Mobile App?
Yes! Select Manage Cards from the main menu, select the card you would like to manage from the Card Options menu, then select the function you would like to perform (activate, suspend, report lost or stolen).
Cards must be in active status in order to use them. You may reactivate your card from your device after suspending it; however you will need to contact your local branch should you report a card as lost or stolen.

Mobile Banking Services Security

Your enrollment in the Online Service may include access to some products and services through a mobile device or via the Spirit of Texas Mobile App (“Mobile Banking Services”). By using the Mobile Banking Services, you agree to the following terms. You agree that we may send you information relative to Mobile Banking Services through your communication service provider in order to deliver them to you and that your communication service provider is acting as your agent in this capacity. You agree to provide a valid phone number, e-mail address or other delivery location so that we may send you certain information about your applicable account or otherwise related to the Mobile Banking Services. Additionally, you agree to indemnify, defend and hold us harmless from and against any and all claims, losses, liability, cost and expenses (including reasonable attorneys’ fees) arising from your provision of a phone number, e-mail address, or other delivery location that is not your own or your violation of applicable federal, state or local law, regulation or ordinance. Your obligation under this paragraph shall survive termination of the Agreement.
You understand and agree these services may not be encrypted and may include personal or confidential information about you such as your account activity or status. Delivery and receipt of information, including instructions for payment, transfer and other move money transactions, through the Mobile Banking Services may be delayed or impacted by factor(s) pertaining to your Internet service provider(s), phone carriers, other parties, or because of other reasons outside of our control. We will not be liable for losses or damages arising from any disclosure of account information to third parties, non-delivery, delayed delivery, misdirected delivery or mishandling of, or inaccurate content in, information and instructions sent through the Mobile Banking Services. Additionally, not all of the products, services or functionality described on the Site(s) and the Agreement are available when you use a mobile device. Therefore, you may not be eligible to use all the products, services or functionality described when you access or try to access them using a mobile device. We reserve the right to determine your eligibility for any product, service, or functionality. Information available via the Mobile Banking Services, including balance, transfer and payment information, may differ from the information that is available directly through the Online Banking Service and Site(s) without the use of a mobile device. Information available directly through the Online Banking Service and Site(s) without the use of a mobile device may not be available via the Mobile Banking Services, may be described using different terminology (including capitalized terms used in the Agreement or on our Site(s), or may be more current than the information available via the Mobile Banking Services, including but not limited to account balance information. The method of entering instructions via the Mobile Banking Services may also differ from the method of entering instructions directly through the Online Banking Service without the use of a mobile device. Processing of payment and transfer instructions may take longer through the Mobile Banking Services. We are not responsible for such differences, whether or not attributable to your use of the Mobile Banking Services. Additionally, you agree that neither we nor our service providers will be liable for any errors or delays in the content, or for any actions taken in reliance thereon. You are responsible for any and all charges, including, but not limited to, fees associated with text messaging imposed by your communications service provider. We are not responsible for any damages resulting from your failure to comply with any terms and conditions provided by your communication service provider or any app store.
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