Mobile Deposit is a service that allows you as a customer to deposit a check through the Bank of Pontiac mobile app using the camera on either an iPhone or Android smartphone. Mobile Deposit is fast, free and secure for active Bank of Pontiac online banking customers. Please be aware that message and data rates may apply so please check with your communication service provider for any access rates, texting charges and any other applicable fees.
Mobile Deposit is open to consumer and small business accounts that have been open for at least 60 days, and the account is maintained is a satisfactory manner. For other business accounts with a larger volume of checks to deposit, Remote Deposit Capture is recommended.
Note: The Bank reserves the right to revoke Mobile Deposit at any time for any reason, and reinstatement would be allowed only after a review of the affected account.
Please endorse the back of each check and print “For Mobile Deposit Only” or “For Mobile Deposit Only, account _________” above or below your signature. Failure to properly endorse a check may cause the deposit to be rejected.
Single-party checks made payable to the account owner or joint accounts owner(s) that have properly endorsed the check.
The following items should not be submitted:
You will receive an email notification indicating if your deposit was approved or rejected.
The standard default limits for mobile deposits are $10,000 per day and $30,000 per 30 day calendar period. In addition, there is a limit of 30 checks per month that can be deposited.
Bank of Pontiac will follow the same Funds Availability Schedule for mobile deposit as is followed for all deposits made in person so mobile deposits made before 3:00 PM CST will be available the next business day. Mobile deposits made after 3:00 PM CST would be available the second business day following the deposit. Business days are Monday through Friday, with the exception of Federal holidays.
Once the item has been deposited to your account, either mark the check as Mobile Deposit with the date, Electronically Presented or mark the check “Void”. Please retain the check for a period of 60 to 90 days before securely destroying the check by shredding.
Bank of Pontiac’s online banking, mobile apps, mobile deposit and other services we offer to make banking more convenient are safe and secure. However, it is important that you also take appropriate steps to protect the security of your mobile device and accounts. We recommend: