Mobile Banking FAQs

Use our Mobile Check Deposit Services to make deposits via your smartphone or tablet by taking a picture of your check. You may refer to the following frequently asked questions and answers for specific information about Mobile Check Deposit. If you have additional questions, please contact us directly at 877-621-1776.

What is Mobile Check Deposit?

How do I sign up for Mobile Check Deposit?

Is depositing my check with a mobile device safe?

Why am I not eligible to use Mobile Check Deposit?

When will I be able to use Mobile Check Deposit?

How do I know that my check was submitted for deposit?

When will I be able to see the deposit in my account?

How should the deposited check be endorsed?

Why would a check be rejected?

How will I know if a check is rejected?

Can I deposit all types of checks?

Can loan payments be made with Mobile Check Deposit?

What happens with my check after I have submitted it through Mobile Check Deposit?

What do I do with my check after I deposit it?

What is the deposit limit per check?

What is the total deposit limit per day?

Is there a limit on the number of items I can deposit?

What account(s) can a customer deposit a check via Mobile Check Deposit?

Can additional holds be applied to my check?

Are there any service fees?

Can this service be terminated?

Can this service be changed by Independence Bank?

What is the difference between Mobile Check Deposit and Mobile Banking?

What if I have problems depositing my check via Mobile Check Deposit?

What if my check doesn’t have very legible handwriting?

Is my mobile device supported for Mobile Check Deposit?

What is Mobile Check Deposit?

Mobile Check Deposit is a service that allows you to deposit checks directly into your checking account from anywhere at any time using your smartphone or tablet.

How do I sign up for Mobile Check Deposit?

You must first be enrolled in Mobile Banking by accepting the terms and conditions and you must also download the Independence Bank Free Mobile Banking App.

Is depositing my check with a mobile device safe?

Yes, Mobile Check Deposit is safe. Access to the application on your smartphone or tablet requires you to log-in to your Mobile Banking services first by way of your unique Username and Password.

Why am I not eligible to use Mobile Check Deposit?

Mobile Check Deposit may not be available for your account due to a variety of reasons including, but not limited to:

  • Deposit restrictions on your account
  • Current or previous collections history
  • Fraudulent activity on your account
  • Account is used for business purposes

When will I be able to use Mobile Check Deposit?

Within 1-2 business days of accepting the Mobile Banking terms and conditions, you will see a Deposit feature within your Independence Bank Mobile Banking App. Mobile Check Deposit can then be used at any time, any day of the week.

How do I know that my check was submitted for deposit?

You should see a “Deposit Sent Successfully” message appear after your check has been submitted.

When will I be able to see the deposit in my account?

If your deposit is submitted before 5:00 PM CST Monday–Thursday or before 6:00 PM CST on Friday, you will see and have access to your deposit on the following business day. If your deposit is submitted after 5:00 PM CST Monday–Thursday or after 6:00 PM CST on Friday, on a bank holiday, or on Saturday, you will see and have access to your deposit on the second business day following the deposit.

How should the deposited check be endorsed?

Endorsements must be made on the back of the check within 1½ inches from the top edge, although we may accept endorsements outside this space. The endorsement must include your signature and “Mobile Check Deposit.”

Why would a check be rejected?

There are a number of factors that could cause a check to be rejected during the Mobile Check Deposit
process. Some of them include, but are not limited to:

  • Amount entered for deposit does not match the amount on the check
  • MICR line (black bars across bottom of check) may have been over-cropped
  • Check amount could not be read
  • Blank or suspect check
  • Check number could not be read
  • Check date could not be read
  • Front signature was not detected or is missing
  • Account number, routing number or other check data could not be read
  • Invalid routing number information

If you continue to experience problems, you may deposit the check at any of our Independence Bank locations.

How will I know if a check is rejected?

When a check is rejected by the bank, you will see a Mobile Check Deposit Adjustment in your Account History. Please contact your nearest Independence Bank location if you would like information on the rejection reason.

Can I deposit all types of checks?

There are some types of checks that are prohibited from being deposited:

  • Checks that are payable to any person or entity other than you or include a third-party endorsement
  • Checks that 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, including checks received via Internet solicitations
  • Checks that have not been previously endorsed by a financial institution (a bank, savings and loan, or a credit union) and are either “substitute checks” or Image Replacement Documents (“IRD”) that purport to be substitute checks, without Independence Bank’s prior written consent
  • Checks that are drawn on financial institutions that are located outside of the United States or Territories of the United States
  • Checks that are Remotely Created Checks, as that term is defined in Regulation CC
  • Checks which are not acceptable to Independence Bank for remote deposit into a deposit account, including Savings Bonds and Mutilated Checks

Can loan payments be made with Mobile Check Deposit?

No, deposits can only be made into Independence Bank checking accounts.

What happens with my check after I have submitted it through Mobile Check Deposit?

The check is electronically transmitted to Independence Bank and you retain the original.

What do I do with my check after I deposit it?

You do not have to mail your check. You will retain the original of all imaged checks that have been deposited via Mobile Check Deposit for a reasonable period of time in order to verify settlement and credit or to balance periodic statements, but in no case beyond forty-five (45) days from the date processed. It is your responsibility to properly destroy and dispose of such original checks after such time. During the period that you maintain any original checks, you understand and agree that you must use a high degree of care to protect these original checks against security risks.

What is the deposit limit per check?

Mobile Check Deposit will not accept any deposit greater than $3,000.

What is the total deposit limit per day?

The total amount that can be deposited through Mobile Check Deposit may not exceed $3,000 per day.

Is there a limit on the number of items I can deposit?

You are allowed to deposit up to 15 items per calendar month, as long as the $3,000 limit is not exceeded.

What account(s) can a customer deposit a check via Mobile Check Deposit?

Any designated Independence Bank checking account in which the customer has deposit rights within Mobile Banking.

Can additional holds be applied to my check?

Yes, in some circumstances additional holds may be applied to the check you deposited.

Are there any service fees?

Currently, there is no monthly fee for the Mobile Check Deposit Capture service. All Service Fees are subject to change by Independence Bank upon thirty (30) days written notice to the Customer. You agree to pay all fees and charges for deposit services as set forth on the Rate and Fee Schedule.

Can this service be terminated?

Either party may terminate Mobile Check Deposit Service at any time.

Can this service be changed by Independence Bank?

Independence Bank reserves the right to modify the Service from time to time without making prior notice to Customer, provided, however, Independence Bank will give you at least thirty (30) days notice prior to making any modifications to the Service that would materially alter its functionality.

What is the difference between Mobile Check Deposit and Mobile Banking?

Mobile Check Deposit allows you to deposit checks using your mobile device. Mobile Banking allows you to process transfers, check balances and make bill payments using your mobile device. Mobile Check Deposit is a feature of the Mobile Banking app.

What if I have problems depositing my check via Mobile Check Deposit?

You may experience problems with check deposits that may not meet image quality standards or may not be an item eligible for Mobile Check Deposit such as a foreign item or savings bond. You will receive an error during the deposit process notifying you that we are unable to accept the deposit via Mobile Check Deposit. You may be able to present this item for deposit at an Independence Bank location.

What if my check doesn’t have very legible handwriting?

After check images are approved for proper quality and successfully sent to Independence Bank, Mobile Check Deposit checks are analyzed by the same standards as checks presented at a location or by mail. Checks will need to be readable and clear. If unable to deposit by your mobile device, please visit your nearest Independence Bank location.

Is my mobile device supported for Mobile Check Deposit?

Mobile Check Deposit is available for Apple and Android smartphones and on Apple tablet devices. The Independence Bank Mobile Banking App is required in order to use Mobile Check Deposit.