Mobile Deposit now available.
Beginning Dec. 10, 2019, you should see the option for Deposits on your phone. There are instructions on the app, but here are some important things to remember.
Your daily limit per item and per day is $1500 but that can be increased if you call us to request a change. Our cutoff time is Monday through Friday at 4 PM Central time. Try to make your deposit by 3:45 to ensure it will get in on the current day’s work. Small businesses can use Mobile Deposit but it is meant for only one or two items a day.
On the back of the check, you MUST sign your name AND you MUST write: FOR MOBILE DEPOSIT. The photo will not be accepted if you do not.
If the photo is not legible or if there is any other problem, you will receive a notice to your phone that you need to retake the photo. You cannot use Mobile Deposit for foreign checks, savings bonds, previously returned checks, or money orders.
Your deposit will be reviewed by bank officers during the day. If is not accepted during the review, you will receive an email. If we need to put a HOLD on the item so it is not available right away, you will be notified.
Your Mobile Deposit will NOT be Memoposted on your account right away. It will post to the account that evening during normal posting as long as you send it in before the cutoff. Be sure to keep checking your deposit history till you can see that it has been actually posted.
We ask that you retain the check for 30 days. You will need to ensure that family members know this check has already been deposited. We recommend you keep items in a folder with a note on them stating when it was deposited. You can check the box on the back that says it has been sent for Mobile Deposit, as long as your family members will know to watch for that. After 30 days, you need to shred the item.
If at any time, you attempt to deposit a fraudulent item, your access to Mobile Deposit will be canceled. Be very careful that you do not attempt to deposit the same item twice, as this could also result in cancellation of this service.