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Use the MobiMoney App to give your Smart Debit MasterCard an extra layer of protection from fraud or unauthorized transactions.

Current MobiMoney users, your app may look slightly different after May 12, 2021 as minor changes were implemented.  Visit the FAQ section below to see what's changed. 


Registration for New Users

To get started, first download the MobiMoney App from the iTunes Store or the Google Play store.

  • Choose the “New User? Register Here” button on the MobiMoney app
  • Type your 16-digit card number
  • Enter your address, your three digit code on the back of your card, and card expiration date
  • Enter the last four digits of your SSN
  • Configure the settings based on your preferences

A separate profile must be created for each Smart Financial debit card you have. For example, if you have a personal and joint account, separate profiles for each account must be created to view offers.



MobiMoney is an application that controls your Debit Card. The app provides added protection to your accounts by allowing you to turn your debit card off and on and limit locations where your card may be used. You can also set limits on transaction type, merchant type, and amount you spend. See “Control Preferences”. We recommend that users set transaction alerts through online banking.

To enroll cardholders simply need to download the application from the Google Play Store or Apple App Store and have their cardholder information ready to enter.

The MobiMoney app starts immediately.

MobiMoney enables the cardholder to set controls and alerts to limit fraud. These are set, and can vary, for each card registered and can be changed under the “Control Preferences” and “Alert Preferences” tab.

Find and tap the transaction you received the push notification under the “Recent Transactions” tab. The “Transaction Details” screen will show the pertinent details of the transaction and by tapping on the dollar amount (top right) the screen will show what alert and controls settings would have triggered a notification.

Card On/Off allows the cardholder to quickly disable or enable the card as a whole. The sub-controls allow the cardholder to set controls based on transactions they don’t often participate in. For example, you can disable eCommerce transactions but allow in-store transactions.

Any Android device using 3.x OS or newer or any Apple devices using and Apple iOS 6.x or newer will be supported.

The Accounts section, showing checking and savings information, will no longer be available. This includes functionality previously available on the Account Details page, such as the Low Balance Alert, Funds Transfer, Recent Transactions per account and Linked Cards.

Use the Smart Financial mobile app (online banking) to view balances, transaction history, set balance alerts, and make transfers between accounts.