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Making deposits into your personal checking account is a real snap. With Mobile Deposit from MVSB, it’s as easy as taking a picture of a check with your mobile device. At no additional cost this service frees you to make deposits when and where you want.

View a Demo

See the expandable menus below to learn more about how to sign up for and use Mobile Deposit.

Signing Up

Mobile Deposit is available to MVSB deposit customers at no additional charge. Enrollment in Mobile Deposit requires bank processing. You must be a customer for at least 30 days and your accounts must be in good standing to apply for mobile deposit.

To enroll in mobile deposit:

  1. Access the mobile app and log in
  2. Tap Deposit Checks

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  1. Review the Mobile Deposit Agreement and click Accept
  2. Your application will be reviewed and an email notification will be sent to you letting you know if you have been approved or declined for this service. Once you receive an approval notification, you can begin making mobile deposits.

Making a Mobile Deposit

To make a deposit:

  1. Access the mobile app and log in
  2. Tap Deposit Checks
  3. Select the account you want your check to be deposited To and enter the Amount

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  1. Enter the amount of the check you wish to deposit

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  1. A camera icon will appear. Tap the camera icon and the app will access the camera on your mobile device to capture a photo of the front of the check. If a box appears asking you whether or not you would like the app to access the camera on your phone, select “Allow.”
  2. Place your check on a flat surface in a well-lit area. Hover your phone over the front of the check. Once the check is in focus, tap the screen to take your photo.

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  1. You will be presented with a preview of the image. If the image captured is clear and accurate, tap Keep picture. If the image is unclear, please tap Retake picture and you will have the opportunity to retake the picture.

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  1. You will be brought back to the camera screen to capture a photo of the back of the check. Place your check on a flat surface in a well-lit area. Hover your phone over the back of check. Once the check is in focus, tap the screen to take your photo.

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  1. You will be presented with a preview of the image. If the image captured is clear and accurate, tap Keep picture. If the image is unclear, please tap Retake picture and you will have the opportunity to retake the picture.
  2. You will then be brought back to the Deposit Checks screen. Verify that the account you selected and amount you entered are correct. Then tap Deposit to deposit your check.

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  1. You will be presented with a confirmation of your deposit. We may also send you an email notification if your check requires additional verification – this may happen if you deposit a check that is out of the ordinary for you or if certain information on the check cannot clearly be read.

Reminder: Though you have received on-screen confirmation that your check has been accepted for processing, this does not mean the funds are available for immediate use. Funds for items received, accepted, and successfully processed through Mobile Deposit will generally be made available in accordance with our standard funds availability policy. Please remember that you are fully responsible for all items deposited to your account. If you receive an unsolicited check in the mail or if you suspect a check you receive has been altered, forged or is counterfeit, please contact us for assistance verifying the check before you deposit it.

Reviewing Mobile Deposits

To view items you have recently deposited using Mobile Deposit:

  1. Access the mobile app and log in
  2. Tap Deposit Checks
  3. Toggle to the history section by tapping history and you will be presented with a list of any recent mobile deposits and the current status.

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  1. Tap on any deposit to view an image of the deposit.
 

Frequently Asked Questions

Am I eligible to sign up for Mobile Deposit?

MVSB requires that you have been a customer for a minimum of 30 days and demonstrate financial responsibility with all MVSB accounts before you can enroll in Mobile Deposit.

What type of accounts can I deposit to with Mobile Deposit?

Mobile Deposit is available to most MVSB customers with the following types of accounts: Checking, Savings, Money Market or Health Savings. This service is not available to business customers that use advanced Cash Management online banking.

Is there a fee for Mobile Deposit?

No. There are no service charges or per item fees to use this service at this time.

How many checks can I deposit each day/month?

Daily Amount Limit  $2,500
Monthly Amount Limit  $10,000

Are all check types eligible for Mobile Deposit?

Though Mobile Deposit can be used to deposit most personal and business checks, it cannot be used to deposit the following items:

  • Checks payable to any person or entity other than the person or entity that owns the account that the check is being deposited into. No third party checks.
  • Checks containing an alteration on the front of the check or item, 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 that are stamped with a “non-negotiable” watermark.
  • Checks that are marked “without recourse.”
  • Checks previously converted to a substitute check, as defined in Reg. CC.
  • Checks not issued in U.S. Dollars or drawn on a U.S. Financial Institution.
  • Checks that are remotely created checks, as defined in Reg. CC.
  • Checks dated more than 6 months prior to or 6 months after the date of deposit.
  • Checks payable on sight or payable through Drafts, as defined in Reg. CC.
  • Checks with any endorsement on the back other than that specified in this agreement.
  • Checks that have previously been submitted through the Service or through a remote deposit capture service offered at any other financial institution.
  • Checks or items that are drawn or otherwise issued by the U.S. federal agency.
  • Money orders, savings bonds or traveler’s checks.
  • Checks in which the payer is an insurance company.

Do I need to sign/endorse the back of the check before I deposit it?

Yes. All payees listed must sign the back of the check. Under any signatures, please write “For Mobile Deposit Only, account # _________” before depositing.

How long should I hold on to a check after I have deposited it?

Upon your receipt of a confirmation from MVSB that we have received an image that you have transmitted, please retain the check for at least 30 calendar days from the date of the image transmission. Once this retention period has ended, please destroy the check that you transmitted as an image, by first marking it “VOID” and then destroying it by cross-cut shredding or otherwise rendering it incapable of further transmission, deposit, or presentment.

How long does the Mobile Deposit process take?

The length of time it takes to make a Mobile Deposit is strongly dependent on your device and service/signal strength. Apps running in the background can also impact the process. For the best experience, we recommend that you are in a strong service area and have no other apps running.

Can checks with especially light or dark colors or patterns and designs be difficult to deposit?

Yes. For best results, make sure that your camera lens is clean and that you are in a well-lit area.

Unfortunately, we cannot guarantee that all checks will be accepted by Mobile Deposit. If you are not able to successfully deposit a check using the Mobile Deposit service, please mail the check to us or bring it to one of our offices to be deposited.

When will the funds from my check be available?

Funds will be available according to MVSB’s Funds Availability Policy. Generally, deposits received before 3pm are made available on the next business day.

Please remember that, though funds are made available for you to use, you are fully responsible for all checks deposited to your account should they be returned for any reason. If you receive an unsolicited check in the mail or have reason to believe a check you received has been altered, forged or is counterfeit, please contact us at 800-922-6872 or bring the check to your nearest MVSB branch for assistance verifying the item before you deposit it.

What happens if I typed in the wrong amount of a check when making a deposit?

The item will be rejected or your deposit may be adjusted to the correct amount when it is processed.

What do I do if I receive a message that indicates that the amounts do not match, but they do?

You could receive this message if the amount written on the check is preceded by an asterisks, the amount is not clear, or the amount of the check is in non-standard location. Unfortunately, we cannot guarantee that all checks will be accepted by Mobile Deposit. If you are not able to successfully deposit a check using Mobile Deposit service, please mail the check to us or bring it to one of our offices to be deposited.

Why would my deposit be rejected?

There are a few reasons that the deposit could be rejected. The deposited amount could be over the daily limit (see Agreement), the check being deposited has already been deposited, or there is an issue with the check. If you’re having trouble depositing a check, please contact us.

How do I cancel Mobile Deposit or add or change the accounts I can deposit to?

To make changes to your Mobile Deposit accounts or to cancel the service, please call us at 800-922-6872 or stop in to the branch office most convenient for you.