What is mobile deposit and how does it work?

Mobile deposit allows you to deposit paper checks using your mobile device through your bank’s app. You simply take a photo of the check and follow on-screen instructions to complete the deposit.

Is mobile deposit safe to use?

Yes, mobile deposit is secure. It uses encryption and identity verification to protect your personal and financial data—similar to online banking.

What types of checks can be deposited with mobile deposit?

You can deposit personal checks, business checks, cashier’s checks, and government-issued checks. Most banks do not accept foreign checks, third-party checks, or money orders through mobile deposit.

Are there limits on mobile deposit amounts?

Yes, many banks set limits on the amount you can deposit per check, per day, or per month through mobile deposit. Contact your bank for specific limits.

Do I need to endorse the check for mobile deposit?

Yes, you must endorse the back of the check before depositing it. Some banks also require you to write 'For Mobile Deposit Only' under your signature.

When will the funds be available after a mobile deposit?

Funds are often available within one business day, but availability may vary depending on your bank’s policies and the amount of the deposit.

Do I need to keep the physical check after a mobile deposit?

Yes, it’s recommended to keep the check for at least 5–10 business days in case verification is needed. After that, you may safely destroy it.

Can I deposit checks at any time with mobile deposit?

Yes, you can deposit checks 24/7 with mobile deposit. However, checks deposited after your bank’s daily cutoff time may be processed the next business day.

What happens if my mobile deposit is rejected?

If your mobile deposit is rejected, your bank will notify you with a reason—such as poor image quality, invalid endorsement, or ineligible check type.

How do I know if my mobile deposit was successful?

You’ll receive a confirmation within the app once the deposit is submitted. You can also check your account balance or transaction history to confirm the deposit was accepted.

How Does Mobile Deposit Work? Your Guide to Banking

If you are an account holder at nearly any bank, you've likely heard the term "Mobile Deposit." If you aren’t sure how it works, you’re not alone. Here's a simple breakdown.

Table of Contents FSB's Mobile Banking App

Key Takeaways

Deposit checks from your mobile device with mobile deposit—no need to visit a branch.

Mobile deposit is integrated with the bank's online banking platform, offering ease of access through the mobile app.

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 policies.

Evolution of Check Deposits

What is Mobile Deposit?

Is Mobile Deposit Safe?

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, banks introduced mobile deposit as a convenience feature for customers.

Now, you can deposit physical checks without setting foot in a branch!

What is Mobile Deposit?

Mobile deposit allows you to deposit paper checks using your mobile device. It’s integrated with the bank’s online banking platform, making it easily accessible through the mobile app.

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
Cashiers 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.

Deposit Checks Anytime, Anywhere

With FSB’s Mobile App, you can deposit checks from your phone in just a few taps.

Download FSB's Mobile App

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 FAQs