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Mobile Check Deposit
Mobile Check Deposit is a service available to Security State Bank customers through our iPhone and Android mobile banking apps. Mobile Check Deposit enables you to deposit checks directly into your Security State Bank checking and savings account(s) without going into a branch by simply taking a picture of a check using your smartphone.
With mobile check deposit you can:
- Conveniently use your mobile device to deposit a check from virtually anywhere
- Deposit by 2:30pm are credited same business day
- Deposit safely and securely, with check images stored at the bank and never on your device
- Deposit up to $2,500 per check per day
Each deposited check needs to be endorsed with “Mobile Deposit Only to SSB/Date and Signature.” Deposits could reject due to image quality, check endorsement or deposit restrictions. Please see terms and conditions for more information.
To Sign Up:
Click here to Enroll or contact your local branch to obtain signup information.
Photo Tips
- Flatten folded or crumpled checks before taking your photo
- Place check on a solid dark background that won't reflect your camera flash
- Make sure there is plenty of light on the check
- Capture all four corners of the check by holding phone/tablet directly overhead (avoid skew)
- Check to make sure that no other objects are included in the photo frame
- If your image is blurry, move the camera a few inches higher (away from check)
- Try turning off the flash if you're having problems with quality or lighting
- The app reads the MICR line (numbers on the bottom of your check) and the amount box; make sure both are readable
Other Tips
- Close all other apps before logging into our Mobiliti app
- Carefully enter the amount to ensure it matches the check
- Deposit check before 2:30 pm for same-day credit
- Notify us within 3 days if deposit does not show
- Keep check until deposit has posted to your account, then shred
- View your deposit history under the Deposits tab
- Make sure your app is up to date (open app store to review installed apps and ones pending approval for updates)
Are there limits for deposits made through Mobiliti Mobile Deposit?
Yes, individual check and daily limits will be determined when your access is granted
Do I need a deposit slip to make a deposit?
No. By taking a picture of the front and back of your check, we will create an electronic deposit slip.
What type of checks can I deposit?
Checks made payable to you and drawn on a bank within the United States can be deposited through Mobiliti Mobile Deposit. Some business size checks (the long ones) may not work.
When do I receive credit for my deposit?
If your deposit is made before 2:30pm your check will be credited same day, deposits made after 2:30pm will receive credit the next business day.
What should I do with the check once I deposit it?
Once your deposit is approved and posted to your account, promptly destroy the check.
How do I endorse the back of my check?
Regardless of how the check is made payable, every check should include for mobile deposit only to SSB, date below signature. If the check is made out to just you, sign your name on the back. If the check is made out to two people, properly signing it can be tricky. Here are some guidelines:
When the word "AND" is used
Example: John Smith AND Susan Smith
The check can be accepted if:
- Both people are on the account and both endorse the check
The check may be rejected if:
- Only one person is on the account and no one endorses the check
- Only one person is on the account and the only endorsement is by the customer
- Only one person is on the account and both people endorse the check
When the word "OR" is used
Example: John Smith OR Susan Smith
The check will be accepted as long as the check has been endorsed by one of the people
Keep in mind, checks made out to minors are a little different. To make sure these checks are accepted, parents or guardians should write "Parent/Guardian" below their signature on the back of the check.
Why is my deposit declining?
There may be a few different reasons to have your check declined for deposit:
- If the check amount is over your daily or per check limit, it will decline. If so, please call us to raise your limit.
- It's possible that you may have an outdated version of the app. Update it by going into your app store and manually select update.
- The image of the check may be unclear or skewed. See photo tips above.
- If the amount is not printed in a box on the right side of the check, the app may not be able to find it (typically the case with a unique check like a rebate check). Please call to confirm or drop off for deposit at any of our locations.
Why do I have deposit limits?
We set limits as a safeguard against check fraud. This is a regulation from the federal government. The good news is that we can raise limits (within reason) for customers as needed. Please contact customer service if this is needed.
Why are there special endorsement requirements?
There are two main reasons:
- By noting "for mobile deposit only to SSB," you have just safeguarded that check in the chance it were to drift into the wrong hands and someone were to try to cash it again (since you've already endorsed it).
- Also, the special endorsement helps you remember that it was in fact processed since it stays in your possession!
The check I deposited was returned. Can I re-scan it?
No, you cannot re-scan the returned check. Your account will be assessed a returned item fee and you will receive a copy of the deposited item. It is best you get a new check to deposit to avoid any further delays.
What hardware/software do I need for Mobile Check Deposit?
Please see our system requirements page for more information on supported platforms and browsers.
To Sign Up:
Click here to Enroll or contact your local branch to obtain signup information.
