Mobile Check Deposit 101
It Really Is a Piece of Cake
- Log into our app on your phone, and hit DEPOSIT.
- Read the instructions and welcome info, and hit CONTINUE.
- Give the app permission to use your camera (first time only).
- Hit FRONT to take a picture of the front of the check.
- Tap the white circle to take a picture and the green check mark to confirm.
- Repeat this process for the back of the check.
- Select the account you’d like the check to be deposited into.
- Input the dollar amount of the deposit, and verify your email address.
- Hit CONTINUE, confirm the deposit and receive email confirmation. You’re done.
- To follow up—store your checks for 60 days, verify the deposit and shred them.
Mobile check deposits are considered received the moment the confirmation screen appears on the app following a deposit, and your email notification is sent simultaneously. Once your deposit has been reviewed and approved, it will be credited at the end of the business day, and you’ll receive a second email with confirmation. Review your deposit status anytime by hitting MORE and then CHECK DEPOSITS.
Checks received via mobile check deposit by 3:00 pm EST on a business day1 are considered deposited on that day. Those deposited later in the day will be considered deposited on the next business day. All deposits are automatically subject to a two-business-day hold.
1A business day is every Monday through Friday, excluding Federal Reserve holidays.
Checks payable in U.S. currency, written in legible English and drawn on U.S. financial institutions are eligible for mobile check deposit service. Ineligible checks include:
- Money orders
- Traveler’s checks
- Treasury checks
- Improperly endorsed checks
- Savings bonds
- Checks payable to any person or entity other than you
- Checks payable to you and someone who is not a joint owner on the account
- Checks dated more than six months prior to deposit
- Checks created remotely, as defined in Federal Reserve Regulation CC
- Checks previously converted to a substitute check, as defined in Federal Reserve Regulation CC
- Checks previously deposited at Home Federal or elsewhere
- Checks containing obvious alteration to any of the fields on the front of the check, or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn
- Checks exceeding daily ($2,500), weekly ($5,000) or monthly ($7,500) limits
Tips for success with mobile check deposit
- Verify that the check is endorsed with all required signatures and labeled properly with “For Mobile Deposit Only – Home Federal Bank.”
- Verify that the check amount entered matches the amount written on the check.
- Flatten and smooth any folded or crumpled checks before taking photos.
- Before taking the photo, place the check on a flat, solid and dark surface.
- Take the photo in an area with good lighting.