Mobile Deposit is available through our Mobile Banking App. The mobile deposit feature allows you to make a check deposit via Mobile Banking, by photographing the front and back of the check with your iPhone or Android mobile phone and submitting that image for deposit to your account.
Note. This feature is available via the downloadable app channel only and is for your iPhone or Android device.
If you are an existing customer you can deposit up to $2,500 per business* day. For new customers, you can deposit up to $1,000 per business* day for the first 60 days of the account opening. If the account is in good standing (no overdrafts) after the 60 days, we will automatically increase your daily limit to $2,500.
Deposits received before 5:00 pm ET on a business day are reviewed by a member of the Federal Savings Bank eBanking staff and credited to your account during our nightly processing. (Deposits received after 5:00 pm ET on a business day, over the weekend or on a holiday are considered to be deposited the next business* day.)
*Business Day - A business day is any day other than a Saturday, Sunday or federally declared holiday
Note. You do not need to enroll for Mobile Deposit, as long as you have an eligible account and are using the Federal Savings Bank Mobile Banking App the deposit icon will appear on your mobile banking screen. Only checking accounts are eligible for mobile deposit.
Access mobile banking via Federal Savings Bank's downloaded application using your iPhone or Android device
- Log onto Mobiliti with your online banking credentials.
- Mobility leverages the OLB login authentication rules (password, challenge questions, picture).
- Select Deposits from the menu
- Select New Deposit
The Deposits menu becomes available.
Note: If the Deposits menu item is not displayed, then you are not eligible for mobile deposit
- Select the checking account to deposit funds
- Enter the deposit amount of the check
- Select Continue
- You will be prompted to take a picture of the front and back of the check.
After each image is taken, select Use Photo to send the image or Retake.
The images are validated to ensure image quality and to validate that the back of the check has been endorsed.
Please be sure you write the additional endorsement requirement of For Mobile Deposit Only
Real time tests are performed to:
- Verify it has not been deposited before via phone
- Read hand or machine printed amount from image
- Compare amount read from image to amount entered
- Verify the check amount doesn’t exceed the defined daily limit
Note. A number of other real time tests are performed to verify the check is not foreign, previously returned unpaid, a savings bond, a duplicate check, can be read clearly and doesn’t exceed deposit limits defined by Federal Savings Bank.
Submit a Deposit
Once the image is sent you will be prompted to confirm deposit amount.
If the deposit passes all the real time tests, it is sent to Federal Savings Bank for approval. The deposit will show as Pending upon submission.
View Deposit History
The history reflects the status of the check capture, not the posting of the check to your account. Check images captured on your mobile device are available for 45 days.
If you try to access check images from your deposit history after more than 45 days, you will receive an error.
- Click deposit to view more details
- You can also click View Check to view the image
- You can:
- view Details
- view Front
- view Back
For various reasons, a check can be rejected after it was "accepted" by the mobile deposit system. You must check your account history to confirmt he check deposit was posted.
Deposits can fail real time as the deposit is submitted or they can fail during processing.
If an error is encountered that causes the item to fail during submission, you will be notified of the error immediately and may be given the option to retake the image.
- Currently all deposits processed through mobile capture are reviewed by bank personnel before the deposit is updated to an Accepted status on the Deposit History screen. If the deposit is rejected, the deposit will show as a Reject status on the Deposit History screen.
This image is an example of a failed deposit during submission.
Note. If we reject a deposit we will send a follow up email to you advising you that the deposit was rejected, the reason why, and how you should proceed.
This table lists errors a user may encounter. The table lists the condition (what), the error the users receives and the users option in the App to resolve the error.
|Error Message Text
|Cannot read check. Please retake the photo. Hold the camera steady and ensure all four corners are visible.
|This check has already been submitted. We cannot accept it again.
|Poor lighting or contrast detected. Please retake the photo with good lighting.
|Cannot read account data on bottom of check. Please retake the photo. Ensure the camera is in focus and all four corners are visible.
|Significant rotation or angle detected. Please retake the photo. Hold phone flat above check and keep all four corners visible
|It appears you submitted 2 images of front of check. Please retake both front and rear photos.
|The amount you entered did not match the amount detected. Please re-enter amount and retake photo.
Tips on using Mobile Check Deposit
- Before logging into the Mobile Deposit app, close all other apps running in the background on your mobile phone.
- Sign/Endorse the back of your check, and label it “For Mobile Deposit Only.”
- When prompted for the amount, carefully enter the check amount to ensure it matches the amount written on your check.
- Flatten folded or crumpled checks before taking your photos.
- Keep the check within the view finder on the camera screen when capturing your photos.
- Try not to get too much of the areas surrounding the check.
- Take the photos of your check in a well-lit area.
- Place the check on solid dark background before taking the photo of it.
- Keep your phone flat and steady above the check when taking your photos.
- Hold the camera as square to the check as possible to reduce corner to corner skew.
- Make sure that the entire check image is visible and in focus before submitting your deposit.
- No shadows across the check
- All four corners are visible
- Check is not blurry
- The MICR line (numbers on the bottom of your check) is readable.