Mobile Deposit Frequently Asked Questions

Mobile Deposit FAQs

1. How do I access Mobile Deposit?
   Mobile Deposit is available through First National Bank's Mobile Banking
   •  Download - Mobile Deposit is available for iPhone® or Android® phones.  Download our app instantly to begin managing your accounts.
    
2. What devices are supported for Mobile Deposit?
   •  iPhone 3GS, 4, 4S, and all 5 Models
            ♦  Apple iOS 5.0.1 or newer
   •  Google Android Models
            ♦  Android (Froyo) 2.2 or newer
            ♦  Cameras with 2.0+ Megapixel resolution and autofocus
            ♦  Either touch screen or keyboard phones
   •  iPad 3, 4 and Mini
            ♦  Apple iOS 5.0.1
            ♦  Cameras with 2.0+ Megapixel resolution and autofocus
    
3. Is there a fee for Mobile Deposit?
   No. There is no fee for Mobile Deposit as of June 1, 2016. There is also no fee to sign-up and use First National Bank's Mobile Banking app.
    
4. Is Mobile Deposit history available?
   Yes, deposit history is available for 45 calendar days within the deposit history section of your mobile banking app.
    
5. What are the deposit limits for Mobile Deposit?
   Daily Limit of $2,500.
    
6. Do I still need to endorse a check for Mobile Deposit?
   Yes, you will need to endorse the check by writing 'For Mobile Deposit Only' followed by your signature on the back of the check.
    
7. Is there a cut-off time for Mobile Deposit?
   Deposits must be received by 3:00 pm CST in order to post on the same day's business.  Deposits received after 3:00 pm CST will post on the next business day.
    
8. Do I need to keep my check if I deposit it through Mobile Deposit?
   Please keep your deposited check for seven calendar days.  After the seventh day, you are responsible for the proper shredding of the check.
    
9. I completed a deposit but I don't see it in my account history?  What should I do?
   Check the Pending Transfers tab on your Deposit History Page.  Deposits listed with a status of Pending are under review.  A status of Rejected, indicates an issue with your deposit.
    
10. What if my check is not accepted?
     

    Problem with Check	Message
    Unable to Read Check	Retake your check photos. If you receive this message again, please contact First National Bank at 1.877.782.2195 (M-F 8:00 am - 4:30 pm CST). Click here for additional check image tips.
    Missing Endorsement	Make sure your check is endorsed with 'For Mobile Deposit Only', followed by your signature and try again.
    Duplicate Check	This check has already been submitted for deposit. We are not able to accept it again.
    Focus of Image	The photo is too blurry. Please retake the photo. Click here for additional check image tips.
    MICR Line	Unable to read the numbers at the bottom of the check. Please retake the photo. Click here for additional check image tips.
    Amount Error	Deposit amount exceeds allowed user daily limit

    
     
11. Are the photos of my check stored anywhere on my mobile device?
    No, the photos are not stored on your device.  You can review and check images in your Deposit History within your First National Bank Mobile Banking app.
     
12. What is the Mobile Deposit Status
    Under Review: Check image is under review
    Deposit Failed: Check did not pass the automatic image analysis performed by the mobile deposit software.  You will need to retake the image or re-submit the deposit.
    Deposit Accepted: Deposit will process same business day.
     
13. Images are not being captured clearly or the camera option isn't working correctly.  What should I do?
    Make sure to review our check image tips.  If you are still experiencing problems, review the settings within your camera on your phone.  Be sure your camera is working correctly outside of Mobile Deposit, if not you may need to contact your service provider to resolve this issue.  Additionally some phones have an anti-shake option that can be turned on to assist with taking clear pictures.  All of these features can be accessed in your camera settings and your cell phone provider can provide additional information on your specific phone.
     
14. Need more help? 
    If you need further assistance with Mobile Deposit, please contact us at First National Bank or contact us at 1.877.782.2195 (M-F 8:00 am to 4:30 pm CST).