First State Bank
Mobile Check Deposit FAQs
QUESTION
ANSWER
1
How do I sign up for Mobile Check Deposit?
Mobile Check Deposit is available to customers who
are 1) enrolled in First State Bank’s Online Banking
and 2) have successfully downloaded our Mobile
Banking App to their iPhone or Android device from
iTunes or the Google Play Store. Once the App is
downloaded, you will need to log into Online
Banking to activate Mobile Banking and accept the
terms and conditions of using Mobile Banking
including Mobile Check Deposit.
2
How much does it cost to use Mobile Check
Deposit?
We do not charge any fees to download or to use the
Mobile Banking App, which includes Mobile Check
Deposit. Message and data rates from your wireless
carrier may, however, apply.
3
How do I know that my Mobile Check
Deposit went through OK?
You will receive a “Deposit Received Notification”
email shortly after completing your Mobile Check
Deposit. You will receive a second “Deposit
Approved Notification” email once the deposit has
been verified. Once approved, checks deposited using
Mobile Check Deposit will appear like any other
deposit in your Online Banking transaction history
and on your account statement.
4
When will a Mobile Check Deposit appear in
my account?
Mobile Check Deposits made Monday-Friday prior to
4:00 p.m. CST will generally be made available on
the next business day.
Any Mobile Check Deposit received after 4:00 p.m.
CST, Monday-Friday will be processed the next
business day and may not be available for immediate
withdrawal.
Deposits made on the weekend or on a holiday will
be processed on the next business day and may not be
available for immediate withdrawal.
5
When are the funds from Mobile Check
Deposit available to me?
The funds may not be available to you the same day
as the day you see the deposit post to your account.
Checks drawn on First State Bank will be available
upon receipt of our “Deposit Approved Notification”
email. Other checks typically have a one day hold
placed on the funds. Holds made on checks are the
same whether you make a deposit in person to a teller
or use Mobile Check Deposit.
6
What is the maximum check I can deposit?
Checks deposited via Mobile Check Deposit cannot
exceed $5,000.
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Mobile Check Deposit FAQs
7
To what accounts can I deposit checks?
You will be able to deposit checks to your First State
Bank checking, savings, or money market account for
which you are an owner that is also visible in your
Online Banking. (Note, Business Account Analysis,
Business Platinum Checking, and Organization
Checking Accounts are not eligible for Mobile Check
Deposit.)
8
What would make my Mobile Check Deposit
get delayed or get rejected?
There are some situations that could cause a delay or
decline of your deposit:
>The check must be payable to you and endorsed
with your signature.
>If the check is payable jointly, it must be endorsed
by both payees and can only be deposited into an
account in the name of all payees.
>Your signature endorsement needs to be followed
by the words “For Mobile Deposit Only”.
>Checks must be drawn on a U.S. bank and in U.S.
currency.
>The check cannot be dated more than six (6) months
prior to the date of deposit.
>The entire check’s front and back images must be
clearly readable. Take the picture in good light, on a
dark surface.
>The check must be flat when you take the image.
Folds, creases, and curls will make the image
unusable.
>The amount you entered must match the amount on
the check.
>The check must appear to us to be an authentic and
negotiable document. It cannot be altered in any way.
We will notify you by email, if there is a problem
with your Mobile Check Deposit.
9
What happens if I accidently deposit a check
twice?
10 Why do I need to keep a paper check after I
make a Mobile Check Deposit?
Checks deposited using Mobile Check Deposit that
have been previously been deposited at First State
Bank or another financial institution, either in person
or via Mobile Check Deposit will be rejected and
returned.
It is very important that you keep the paper check
safe until you see it credited into your account. The
image may not be clear enough to process through the
entire system, and we may need you to image the
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Mobile Check Deposit FAQs
check again at a later date. We strongly suggest that
you keep the paper check for 30 days after the
deposit, in case the original is needed.
11 What do I do with the paper check after 30
days?
After 30 days, you can mark the check VOID and
destroy the check with a paper shredder or some other
secure method.
12 What if I enter the wrong amount for a
Mobile Check Deposit and that amount does
not match the check?
We review the image during the verification process
and will change the amount of the deposit to the
correct amount. You will receive an email notifying
you of the correct deposit amount.
13 Can I deposit anything other than checks
using Mobile Check Deposit?
No, you can only deposit paper checks that are
payable to you. They must be real checks, not pay
stubs or copies of checks. You cannot deposit items
such as Savings Bonds, coupons, or vouchers.
14 Can I view the checks that I have deposited
using Mobile Check Deposit?
Yes. You are able to view the details of all Mobile
Check Deposits, including images of the checks and
the status of each deposit, on the “Recent” tab in
Mobile Check Deposit.
15 Will all checks work with Mobile Check
Deposit?
Most will, with the following exceptions. You may of
course come to any of our bank offices to deposit
checks that may not be eligible for Mobile Check
Deposit.
>Checks deposited via Mobile Check Deposit cannot
exceed $5,000.
>Third-party checks may not be deposited using
Mobile Check Deposit.
>If the check is payable jointly, it must be endorsed
by both payees and can only be deposited into an
account in the name of all payees.
>Checks must be drawn on a U.S. bank and in U.S.
currency.
>The check cannot be dated more than six (6) months
prior to the date of deposit.
>The entire check’s front and back images must be
clearly readable.
>The check must be flat when you take the image.
Folds, creases, and curls will make the image
unusable.
>The check must appear to us to be an authentic and
negotiable document. It cannot be altered in any way.
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