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How Does Mobile Deposit Work?

Your Key to Convenient Banking


If you are an account holder at nearly any bank, you've likely heard the term "Mobile Deposit." But what exactly does it mean? If this term leaves you scratching your head, don't worry! We're here to break it down for you.

Read More Mobile Banking

Key Takeaways

  • Mobile deposit lets you deposit checks using your mobile device, eliminating the need for branch visits.
  • Mobile deposit is integrated with the bank's online banking platform, offering ease of access through the mobile app.
  • Despite common misconceptions, mobile deposit is secure, employing encryption and enhanced verification to protect your information.
  • Each bank has its own specific policies and procedures for mobile deposit, so it's advised to contact your banker for detailed information.

Table of Contents

  1. Evolution of Check Deposits
  2. Deep Dive into Mobile Deposit
  3. Is Mobile Deposit Safe?
  4. The Power of Mobile Deposit

The Evolution of Check Deposits

Gone are the days when depositing a check meant a trip to the bank or drive-up ATM. With the rise in demand for digital banking and online account opening, banks introduced mobile deposit as a convenience feature. Now, you can deposit physical checks without setting foot in a branch!

A Deep Dive into Mobile Deposit

So, what is mobile deposit? Simply put, mobile deposit is a feature that lets you deposit paper checks into your bank account using your mobile device. It's often integrated with the bank's online banking platform, making it conveniently accessible through the mobile app. To learn how FSB's mobile deposit works, click here.

What Checks Can You Deposit?

When it comes to the types of checks eligible for mobile deposit, you can include the following:

  • Personal checks
  • Business checks
  • Cashier's checks
  • Government-issued checks

Most banks, however, don't accept other check types, such as foreign checks, third-party checks, and money orders. It's always a good idea to confirm which checks your bank accepts before endorsing and submitting them online. Additionally, be aware that some banks set limits on mobile deposit amounts per transaction or time period.

Is Mobile Deposit Safe?

A common misconception is that mobile deposit poses a risk to your personal information. But rest assured, mobile deposit is as secure as online banking. Your bank implements various security measures like encrypting information and enhancing identity verification methods, ensuring your data remains as secure as it is within the bank's four walls.

The Power of Mobile Deposit

Mobile deposit is more than just a convenience tool; it revolutionizes your banking experience, making it quicker, simpler, and more efficient. Each bank may have unique policies and procedures for its mobile deposit process. If you have any questions or need additional information, contact your banker.

Mobile Banking with FSB 

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