What is Mobile Deposit?
Mobile Deposit is a safe and secure way to deposit checks from your iPhone, Android Phone, iPad tablet or Android tablet. Simply take a picture of the front and back of your endorsed check, and then submit it for deposit to your checking or savings account at American Bank. For full details, please refer to the Mobile Deposit Service Agreement.
How does it work?
It’s simple to deposit checks with Mobile Deposit. Using the American Bank BD Mobile app, follow these easy steps:
- After logging in to Mobile Banking, tap the “Deposit” tab and select “Deposit Check”
- Select the account into which you wish to deposit your check and enter the check amount
- Photograph both sides of your endorsed check with your smartphone or tablet camera
- Review your deposit information and then submit your deposit
- View the status of your deposit in “Deposit Check History”
*Be sure to keep the check until it posts to your account, then destroy it.
When can I make mobile deposits?
You can deposit checks with Mobile Deposit whenever you want – 24 hours a day, 7 days a week. However, your funds may not be available until the following business day- see 'When will my deposits be available?' section below.
What are the eligibility requirements for using Mobile Deposit?
In order to use Mobile Deposit, you must have a checking, savings or Money Market account at American Bank, be enrolled in Online Banking, and have downloaded the American Bank BD Mobile app on your smartphone or tablet. If you meet these criteria, you may begin using Mobile Deposit by accepting the Mobile Deposit Service Agreement when presented the first time you access Mobile Deposit on your smartphone or tablet.
Are there any fees associated with using Mobile Deposit?
No, there are no fees charged for using Mobile Deposit. We recommend you check with your service provider for any wireless carrier fees.
How do I access Mobile Deposit?
Mobile Deposit is a feature included in our mobile banking app. Within the app, tap the “Deposit” tab to access Mobile Deposit.
Are there any limits on the dollar amount of deposits I can submit?
Yes, the maximum total dollar amount deposited per business day cannot exceed $1,500. No single check can exceed $1,000. There is no limit to the number of checks deposited in one business day; however, you cannot exceed the maximum daily limit of $1,500 per business day. If you reach the daily deposit limit or the check you present for deposit is larger than $1,000, the transaction will be declined. These limits can be adjusted on a per-user basis, so if you feel you need a higher limit, please contact one of our customer service representatives to discuss your needs.
What types of checks can I deposit?
Personal, business and government checks payable in U.S. dollars, drawn on a U.S. bank and payable to you can be deposited. Checks that cannot be deposited using Mobile Deposit include:
- Money Orders
- Charge Card Convenience Checks
- U.S. Savings Bonds
- Checks that are payable to another person other than the deposit account owner (third party checks)
- Foreign checks and those payable in a foreign currency
- Altered checks
- Checks more than six months old
- Checks that were previously deposited
- Checks in excess of $1,000
How do I endorse my checks for Mobile Deposit?
Simply sign your checks as you would if you were depositing the checks with one of our customer service representatives. Please write “For Mobile Deposit Only” directly below your signature.
What should I do with the paper check after making a mobile deposit?
For your protection and verification purposes, you should write “Electronically Deposited xx/xx/xxxx” (date of deposit) on the front of the check and retain the check for 14 days. After that time, write “Void” on the check and destroy it by running the check through a shredder.
How will I know the status of my deposit?
You can check the status of your deposit by tapping “Deposit Check History” in Mobile Deposit. The system will indicate whether the deposit has been accepted, rejected or is pending.
When will my deposits be available?
Deposits made before 5pm Central Standard Time (CST) are considered deposited on that business day. Deposits made after 5pm CST are considered received on the next business day. Funds from mobile deposits are available for your use in accordance with our Funds Availability Policy. If a hold is placed on a deposit made through the Mobile Deposit system, you will be notified of the delay in availability of your funds.
Can I deposit more than one check at a time?
You can deposit multiple checks in the same Mobile Deposit session; however, you may only photograph and submit one check at a time.
How can I ensure that the check images I take will be high quality?
To ensure a high quality check image, your smartphone or tablet must have a built-in camera that’s at least 2-megapixels. When capturing the image, please:
- Place check on flat, dark-colored surface in a well-lit area
- Position device’s camera over check to minimize angles, glare and shadows
- Align the check with the four corners of the guide image, and not the corners of your screen
- Avoid objects and clutter around the check
- Hold the device steady
What if the check image I photographed is bad?
You have the option to retake photographs of the check before submitting or you may cancel the deposit. Also, the system will notify you if the image is unclear for processing. If you are unable to photograph a clear image, please bring your deposit to one of our branches for processing.
Are check images saved on my device?
Check images are never saved on your smartphone or tablet. The images are securely transmitted and digitally stored at the bank in accordance with the Check 21 Act, which allows financial institutions to process checks electronically.
What if I submit the same deposit twice in error?
If the same check is submitted for deposit twice, it will be identified and stopped by the Mobile Deposit system. Should this occur, you will receive a declined deposit notification for the second deposit of the check.
Can I make payments with Mobile Deposit?
You can’t use Mobile Deposit to make payments to your loans. However, if you’d like to make these payments electronically, you can use the convenient Transfer or Bill Pay features of Mobile Banking.
If I need additional information on Mobile Deposit, who may I call?
For additional assistance, please contact one of our Customer Service Representatives at any of our locations or call us at 920-885-2700 or 1-888-987-2265.