What is Mobile Check Deposit? Mobile Check Deposit is a convenient, easy way to deposit checks from your mobile phone into one of your accounts. With the Bank of Morton Mobile Banking app on your iPhone® or Android®, you can take a photo of your check, enter the check information and securely submit your deposit for processing.
Is there a bank fee to deposit my check with my mobile phone? Mobile Check Deposit is FREE to eligible customers. There may be charges associated with text messaging and data usage on your phone. Check with your wireless phone carrier for more information.
What accounts are required to be eligible for use with Mobile Check Deposit? Personal checking and savings accounts are eligible for Mobile Check Deposit.
Where can I find the Deposit tab within my downloaded app? All users should first download the latest version of the Bank of Morton app from Google Play or iTunes Store.
Android users: When you first open the app, you will see the main menu screen. You should select the Deposit Check option to begin your Mobile Deposit. Only those that are eligible for Mobile Deposit will be able to continue the deposit process after login.
iPhone users: Open the app and complete the login process. Only those that are eligible to use Mobile Deposit will see the Check Deposit tab in the slide out screen. Select the Check Deposit icon to begin your Mobile Deposit.
Can I use Mobile Check Deposit with any mobile device? Eligible phones include:
iPhone (3G or higher) with iOS 4.0 or higher. Older iPhones and devices without a camera are not supported. The iPad and iPod Touch® are not supported at this time.
Android (2.1 or higher) with a camera that supports auto focus.
You must also download and install the latest version of the Bank of Morton Mobile Banking app from iTunes® or the Google Play Market.
Are there transaction limits with Mobile Check Deposit? Currently, deposits are limited to a $ 2,500.00 per day limit..
Are my checks deposited immediately? Successfully submitting your check image with your mobile device will begin the deposit process. However, the processing time to complete the deposit may vary. Funds deposited before 2 p.m. on a banking business day (every day except Saturdays, Sundays and federal holidays) are normally available for withdrawal on the first business day after the day of the deposit. If you transmit an item after 2 p.m. , or on a day we are not open, we may consider that the deposit was made on the next business day we are open. Normal Bank of Morton funds availability rules apply to all checks remotely deposited. Check your "Deposit History" to see your deposit status.
How do I view my deposit history?
Sign in to Bank of Morton Mobile Banking and select the "Deposit" tab.
Select the "Get Deposit History" button and navigate to your Check.
Click on a single deposit to view the available transaction detail.
What should I do with the hard copies of my checks? After successfully submitting a deposit with Bank of Morton Mobile Check Deposit, it is advisable that you keep all original documents in a safe place for personal records.
What types of checks are not eligible for Mobile Check Deposit?
Checks must be made payable to only you. Joint checks or checks made payable to "Cash" are not allowed.
Checks must not be drawn on a foreign bank or payable in a foreign currency.
Checks must not be altered on the front of the check in any way.
Checks must have an authorized signature. Demand drafts or remotely created checks are not allowed.
Checks must not be dated more than six months prior to the date of deposit.
Checks must not have previously been returned stop payment or account closed.
How do I deposit a check?
Your check should have a valid account number and check number
Before you begin, properly endorse your check. The endorsement should read: For Remote Deposit Only & name of account holder.
Sign in to Mobile Banking and select the "Deposit" tab.
Select the "Start New Deposit" button and navigate to the check deposit screen. You will need to complete the check deposit form in order to submit your deposit request. Note: "Continue" will appear disabled until all required fields are completed.
You should make sure your check is placed on a dark, well-lit, flat surface.
Select either the "Front" or "Back" camera icon to take a photo of your check.
Align the check image with the Camera viewfinder frame. Be sure to take a photo of the check side that matches the helper text: "Front" or "Back" in the viewfinder.
Tap the camera icon in the viewfinder to take the picture. If the preview looks correct, select the "OK" button. If not, simply tap the "X" and try again.
After you have successfully taken photos of your check, you will see small thumbnail image previews on the check deposit screen.
In the "Amount" field, enter the amount of the check you are depositing. Be certain the entered amount matches the amount on the check.
Tap the "Account" field to select a deposit eligible account.
After all the required fields are completed, the "Continue" button will appear enabled.
Review your entries and select the "Continue" button to complete the form.
Select the "Deposit Check" button to finalize and submit your deposit request.