Steps for using Mobile Check Deposit
Step 1
Sign your check and write “SmartBank Mobile Deposit”. Open your SmartBank mobile app and select “Deposit”.
Step 2
Tap “Front” to take a picture of the front of the check. Line-up the check image with the frame, and take picture. (To accept the image, tap the green check mark. To retake the image, tap the red undo button.) Tap “Back” to take a picture of the back of the check, and repeat steps.
Step 3
Input the “Amount” of the check and select “Deposit To” from the list of available accounts. Add an email address in the “Email Receipt To” field and tap “Continue”.
Step 4
Review information, and if correct, tap “Approve”. Otherwise go back and make necessary changes.
Tips for using Mobile Check Deposit
- Make sure you are taking a picture of check in a well-lit area. Use a dark background to get the best image of the check.
- Sign the check and write “SmartBank Mobile Deposit”
- Verify that the check amount and written amount match.
- Make sure the entire check image is captured and in focus.
- Available for Apple and Android products.
Mobile Check Deposit FAQ:
Who can use Mobile Deposit?
All consumer banking customers are eligible to use Mobile Deposit service. To make a mobile deposit, you will need:
- valid Online Banking credentials,
- any personal, savings, or money market account
- SmartBank Mobile App
Also, non-analyzed business accounts are eligible to use mobile deposit.
When are funds deposited to my account?
Mobile Deposits submitted before 6:00 pm EST on business days are generally available the next business day.
Example: A mobile deposit submitted on Friday at 3:00 pm EST is generally available on Saturday.
Mobile Deposits made after 6:00 pm EST or on a weekend or holiday will process on the next business day and generally be available the next business day after that.
Example: A mobile deposit submitted on Saturday or Sunday is generally available on Tuesday.
SmartBank will email you confirmation of your mobile deposit when it is received and when it has been approved.
In some cases, a mobile deposit may take longer to process and require a hold. SmartBank will email you to let you know if we need to hold a mobile deposit and include details of when to expect the funds to be available.
Are there any limits or requirements to qualify for Mobile Deposit?
Initially, there is a limit of $2,500 for a single check and $4,000 for a business day. There is a rolling 3-day limit of $10,000 with a five (5) check maximum during that time.
Higher limits may be available based on account history, please contact your local branch to inquire and/or submit a request.
Access to mobile deposit requires an eligible account to be open for 30 days and in good standing, meaning accounts with 6 or more insufficient funds items in a 12-month period will not qualify.
How long should I keep my check after making a deposit using Mobile Check Deposit?
What types of checks are accepted via Mobile Deposit?
We only accept checks from a U.S. financial institution, in U.S. dollars. The following items are eligible for mobile deposit:
- Personal checks
- Business checks
- Government/treasury checks
- Cashier’s checks
- Money orders
You cannot deposit the following items through mobile deposit:
- Traveler’s checks
- Savings bonds
- Loan checks requiring ID presentment
- Checks payable to any person or entity other than the person or entity that owns the account into which the check is being deposited.
- Checks payable jointly, unless deposited into a joint account with all payees available
- Checks containing any alteration
- Checks suspected as fraudulent
- Checks drawn on a financial institution located outside the U.S.
- Checks not payable in U.S. currency.
- Checks dated more than six (6) months prior to the date of deposit.
- Checks that have previously been submitted through Mobile Deposits or another remote deposit capture service offered at SmartBank or any other financial institution.
- Checks without a check or account number in the MICR line at the bottom of the check (Example: counter checks)
- Checks with writing or printing that obscures any part of the MICR line
Are there any more helpful tips to make using Mobile Deposit more efficient?
Please ensure the following:
- The entire check image is in frame and all check information is visible.
- The check amount entered matches the amount written on the check.
- Flatten folded or crumpled checks before taking your photos.
- Lighting conditions are bright and the image is in focus. For best results, place the check on a plain, dark or contrasting surface.
- Endorsements are added using blue or black ball point ink. Gel pens, markers, and highlighters should not be used.
- Endorsement stamps are added with black ink. For best results, endorsement stamps should be 3 to 4 lines and contained to the endorsement area.