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What is Mobile Deposit?
Do I qualify for Mobile Deposit?
How should I endorse the check?
How quickly will the deposit be credited to my account?
How quickly will the funds be available for me to use?
What else do I need to send in my deposit?
What dollar limits apply to Mobile Deposit?
Are there any deposit items that cannot be submitted using Mobile Deposit?
How many checks can I include in one deposit? Can multiple deposits be submitted the same day?
How long should I hold on to my check(s) after submitting via mobile deposit?
If I have questions, where can I go to receive help?
Is there a cost for using Mobile Deposit?
What are the operating system requirements?
What should I do if it goes back a screen after I take picture of the front of the check?
Mobile Deposit allows you to conveniently make secure deposits anytime using your Apple or Android devices.
You may qualify once you’ve established your membership and your account is in good standing. Business, Organization, Trust, Estate, Fresh Start, and next step checking accounts do not qualify to this service.
The back of each check must include:
- The words “Mobile Deposit”
- Your member number
- The payee’s signature (your endorsement)
PLEASE NOTE: If the back of the check is not properly endorsed, we reserve the right to reject the check for deposit.
All deposited funds will appear in your account once the transaction is approved. Deposits submitted after 3:00p.m. Eastern Standard Time (EST) may appear in your account on the next business day. Business days are Monday through Friday, excluding holidays. You will receive an email when the deposit has been accepted and therefore credited to your account; deposits are subject to verification and not available for immediate withdrawal. Holds may apply to all mobile deposit items.
Please refer to our Funds Availability Policy to find out how soon your deposit will be available for your use.
After you endorse the back of the check(s) according to the indications above, you will need to do the following:
1. Login to Mobile Banking
2. Click on “Deposit Check”
3. Select the account where the check will be deposited
4. Enter the total deposit amount of your check(s)
5. Capture the front and back of your check(s)
6. If your images are legible, click “use” to submit your deposit
You can review all the specifications in the step-by-step guides below:
Deposit limits are as follows:
- Per check limit $1,500
- Per daily limit $5,000
- Per month limit $10,000
The following items cannot be submitted for deposit using Mobile Check Deposit:
- Savings Bonds
- Foreign checks
- Any item drawn on the account in which you are making the deposit
- Any item that is “stale dated” (6 months or older) or “post dated”
- Any item that is incomplete (i.e. missing the date, missing the payee, etc.)
- Any item that contains evidence of alteration to the information on the check
- Any item that is stamped with a “non-negotiable” watermark
- Any third party check (any item that is made payable to another party and then endorsed to you by such party)
Mobile Deposit does not limit the number of checks that can be submitted in one deposit or the number of deposits that can be submitted in one day. However, a daily deposit limit of $5,000 does apply.
After submitting your check via mobile deposit, please securely store your check for 14 days. Once the deposit appears in your online/mobile banking history or on your statement and 14 days have passed, you are free to discard the check (we recommend shredding).
There are a few options available for you to get answers to questions you may have:
The service to deposit a check is FREE. Fees may apply for returned and NSF items.
Our app supports Apple’s latest operating system and one version prior to the latest and Android 3.0 or greater. In order to use the Mobile Check Deposit feature on the Park Mobile app, it may be necessary to upgrade your operating system.
If after taking a picture of the front of the check the app goes back to the previous screen asking where to deposit the check and the amount, please reboot the app. This should fix the problem. If you continue to have problems, make sure you are using an up-to-date operating system or call the eBranch at 800.626.2870.