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Mobile Banking Help

How do I get started?

App Setup

  1. On your device, go to the App Store (on iOS) or Google Play Store (on Android).
  2. Search for “Kennebec Savings.”
  3. Download the Kennebec Savings Bank app for your device (mobile or tablet).
  4. Once downloaded, log in using your username, password, and challenge questions. If you don't have credentials, see the below information on enrollment.
  5. Congratulations! You’re now ready to bank 24/7, from wherever you’d like.


If you've already enrolled in Online Banking, you are ready for Mobile Banking. Your username and password will be the same and you do not need to enroll again.

If this is your first time trying Online Banking or Mobile Banking, after you've downloaded our app, click the Enroll Now link on the home screen of Mobile Banking. If you are an existing user of our app and you are enrolling another person, you won't see the Enroll Now link until you x out your saved username. (If you are enrolling as a small business or organization, as an individual new to the United States, or as an individual under the age of 18, call us at (207) 622-5801.)

  1. Start by submitting the following account information:
    • The account type of one of your accounts (checking, savings, certificate of deposit, or loan)
    • The account number
    • Your Social Security number
    • Your Bank-by-Phone pass code or PIN; if you have not called Bank-by-Phone, your default pass code is the last four digits of your Social Security number
  2. Next, enter the following personal information:
    • Your name
    • Your address
  3. Finally, enter the last two pieces of information:
    • Your date of birth
    • Your primary email address
  4. Answer a series of out-of-wallet questions that will help us verify your identity.
  5. Agree to our Online Banking terms and conditions.
  6. Select a username and password. Your username must be at least 6 characters, and your password must be between 8 and 17 characters and contain a letter and number.
  7. Select three challenge questions, and enter their answers.
  8. Congratulations! You're now enrolled in Mobile Banking.
  9. Upon your first login, you will be asked to agree to our Mobile Banking terms and conditions.

Having difficulty with enrollment?

There is an alternative method to enroll in Mobile Banking through Online Banking. If you have an iOS or Android device, we recommend you first attempt the quick and easy process of simply downloading our app and attempting to log in. If that fails to work, try the Mobile Banking classic enrollment method.

What if I don’t have an iPhone, iPad or Android device?

You have additional mobile options! After enrolling in Mobile Banking the “old-fashioned” way, Text Banking is available for all phones with SMS/text messaging capabilities.  Although Mobile Browser Banking is also available for Windows Phone, BlackBerry, and other browser-capable phones, we now recommend accessing the new mobile-optimized Online Banking on your mobile browser instead.

What is Mobile Deposit? How do I enroll?

Learn more about Mobile Deposit here. You will be enrolled within one business day of first downloading Mobile Banking.

I just made a mobile deposit. When will funds be made available?

Mobile deposits are processed after 4 PM each business day. Check out our Mobile Deposit page for more information.

What is Instant Balance? How do I set it up?

Instant Balance, one of our newest Mobile Banking features on our phone apps, allows you to view your balances without having to log in. For security reasons, you will have to log in to first set it up. Go to the More tab, select Instant Balance Settings, turn it on, and select up to 6 of your accounts to view instantly.

Once set up, click on the Instant Balance area on the login screen (Instant Balance Icon) above where your username is entered to pull up your balances!

What are Card Controls & Alerts? How do I get started?

Learn more about Card Controls & Alerts here.

Can I pay my bills or send money to people in Mobile Banking?

Yes! Once you've enrolled in Bill Pay, with Mobile Banking, you can:

  • View and take action on bills from a To-Do list
  • Make payments to payees or contacts
  • Set up recurring payments to payees
  • View recently paid and pending payments
  • Scan and pay bills with Bill Capture

What is Bill Capture? How do I set it up?

Learn more about Bill Capture here.

What is Fingerprint Login/Touch ID? How do I set it up?

Fingerprint Login (also known as Touch ID on iPhone and iPad) uses fingerprint-scanning technology to recognize the unique characteristics of your fingerprint, allowing you to unlock your device quickly, easily, and securely. Once enabled, you can also use it to log in to Mobile Banking.

To enable Fingerprint Login, go to the More tab, select Touch ID Settings (on iOS) or Fingerprint Login Settings (on Android), and switch it on.

If you haven't set up Touch ID on your iPhone or iPad before, see this Apple support article for instructions. If you haven't set up fingerprint authentication on your Android before, try this support article for Samsung Galaxy devices, this support article for Google Pixel and Nexus devices, or check the support site for your particular device for other hardware providers.

What is Face ID? How do I set it up?

Face ID uses facial recognition technology built in to iPhone X to recognize the unique characteristics of your face, allowing you to unlock your device with a look, even quicker than you can with a touch. Once enabled, you can also use it to log in to Mobile Banking.

There are currently inaccurate references to Touch ID in the interface that will persist even if you are using iPhone X and Face ID, but Face ID login functionality will work correctly. This will be corrected in a future update.