Mobile Check Deposit

Your funds are available the next business day if you deposit before 4:00 pm. Deposits received after 4:00 PM may not be processed until the next business day and will generally receive credit the following business day after it has been processed.

For example, if you make a deposit before 4:00 PM on a Tuesday, funds are generally available on Wednesday. However, if you make a deposit after 4:00 PM on a Tuesday, funds are generally available on Thursday.

Your current limit can be located by tapping in the Amount field on the Check Deposit screen within the mobile app. We have established limits on the dollar amount and/or number of Check Images that you can deposit through the service.

If you attempt to use the service to initiate a deposit in excess of these limits, we may reject your deposit. Limits vary based on tenure, non-sufficient funds (NSF), and average monthly deposit balance.

We reserve the right to modify limits from time to time.

We recommend you retain the check for 60 days or until the check clears. The check should be destroyed after 60 days.

A check will be rejected straight away if the front, back or endorsement on the check cannot be read.

The following types of checks are not Eligible Checks for mobile deposit:

• Money orders.
• Traveler's checks.
• Savings bonds.
• Checks drawn on a financial institution located outside the United States, including, but not limited to, Canada.
• Checks not payable in United States currency.
• Checks previously converted to an image replacement document or substitute check, defined in Regulation CC as checks which accurately represent all information from the front and back of the original check at the time it was truncated and bear the legend, “This is a legal copy of your check. You can use it the same way you would use the original check.”
• Checks that are remotely created checks, defined in Regulation CC as checks which are not created by the paying bank and do not bear a signature applied, or purported to be applied, by the person on whose account the check is drawn.
• Checks payable to any person other than the Account Holder of the Account into which the check will be deposited.
• Checks containing an alteration on the front of the check, which you know or suspect are fraudulent, or are otherwise not authorized by the Account Holder.
• Checks payable jointly, unless deposited into an Account in the name of all payees.
• Checks dated more than six (6) months prior to the date of deposit.
• Checks issued that do not originate in paper form.
• Checks with any endorsement on the back other than that specified in this Agreement.
• Checks that have previously been submitted or deposited through the Service or through a remote deposit capture service offered at any other financial institution.
• Checks previously submitted for deposit and returned.

Important Tips for Making a Mobile Deposit:

• Make sure the background has a strong contrast to the check. A solid, dark background usually works best.
• Make sure the entire check is in the photo – both front and back.
• Make sure the photo is well lit and in focus.
• Be certain to have the proper endorsement on back of check.

Most checks are accepted as long as they are clear and have a routing number and account information. See a complete list here. 
*Please note that all payees on a check should be listed on the account selected for deposit.

Important Tips for Making a Mobile Deposit: 

• Make sure the background has a strong contrast to the check
• Make sure the entire check is in the photo – both front and back
• Make sure the photo is well lit and in focus
• Be certain to have the proper endorsement on the back of the check