Mobile Check Deposit FAQs

What you need to know. It's right below.

Q: How do I enroll for Mobile Check Deposit?

Existing Mobile Banking customers -- Simply log in to your mobile app, click on the “Deposits or Check Deposits” button, accept the Mobile Check Deposit Services Agreement, and you’re off! 

Not yet a Mobile Banking customer? – First, visit the Apple iTunes or Google Play store, search for Liberty Bank (CT) and download our app. Once you’ve downloaded our app, click on the “Sign Up” tab. Once you are enrolled, login to your Mobile App and click on the “Deposits or Check Deposits” button, accept the Mobile Check Deposit Services Agreement, and you’re off!

Q: Which devices can I use to make a Mobile Check Deposit?

Android Smart Phone, Android Tablet, iPhone or iPad. Mobile check deposit is not available when using a Kindle tablet or when logged into Mobile Web Banking.

Q: Is there a charge for using Mobile Check Deposit?

Liberty Bank does not charge a fee for using mobile check deposit. However, please understand that our usual account fees do apply, such as for any returned checks and insufficient funds. (Please refer to your Personal Deposit Account Agreement for more information). In addition, please contact your mobile device carrier to determine if they have any fees that may apply.

Q: When will my Mobile Check Deposit appear in my account and when will my funds be available?

 


Deposit Posted

Funds Available

If your mobile check deposit is made before 3:00 pm on a business day …

Same evening

Next business day

If your mobile check deposit is made after
3:00 pm on a business day …

Evening of the next business day

The following business day

 If you are a new customer and your account is fewer than 30 days old, your funds will be available in five business days following the day of your deposit.

Your deposit is deemed to have been accepted by the bank when the deposit has posted to your account. Business days are Monday through Friday, excluding weekends and holidays.

Q: What if I need funds available to me right away?

Please bring your check to any branch and deposit it over the teller line. Depending on the type of check you deposit, you may be able to receive quicker funds availability. Refer to your Personal Deposit Account Agreement for more information on Funds Availability. 

Q: How will I know that my Mobile Check Deposit was accepted and processed?

If your check is accepted, you will see it posted to your Online Banking account within the time standards mentioned in question 4. If your check is not accepted, we will inform you via email and will include the reason it could not be accepted.

Q: Why would my check not be accepted?

Checks may not be accepted for the following reasons (including but not limited to):

  • The check is illegible
  • Your deposit exceeds the per day or rolling 30-day limit
  • Your deposit is a duplicate deposit
  • We are unable to determine the amount of the check  

Q: How long should I retain the original check I deposited?

After your deposit has posted to your account, please securely store the original check for 14 calendar days. Thereafter, please write “VOID” on the check and destroy it by cross-cut shredding or another commercially acceptable means of destruction.

Q: Are there limits on how much I can deposit via the Mobile Check Deposit service?

Yes. $2,500.00 per deposit, $2,500.00 per day, $5,000.00 per rolling 30 calendar days.

Q: What if I need higher deposit limits?

Please give our Online Banking department a call at 888-570-0773 and we will be happy to review your account to determine if we can adjust your deposit limits.

Q: Can I deposit any check with my mobile device?

No. These types of check deposits will not be accepted:

  • Checks that are drawn on the same account in which the check is being deposited.
  • Checks payable to any person or entity other than you (i.e., payable to another party and then endorsed to you).
  • Checks payable to you and another party who is not a joint owner on the account.
  • Check dated more than 6 months prior to the date of deposit.
  • Checks that contain evidence of alteration, or 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.
  • Checks drawn on or payable through a financial institution located outside of the United States of America (U.S.) or checks not in U.S. Funds.
  • Copies or images of checks.
  • Checks on which a stop payment order has been issued or for which there are insufficient funds.
  • Checks previously converted to a substitute check, as defined in Regulation CC.
  • Remotely created checks, as defined in Regulation CC.
  • Postdated checks (made payable at some point in the future).
  • Savings Bonds, coupons or vouchers.

Q: How should I endorse the back of my check?

The back of your check must include your signature and “For Mobile Deposit.”

 


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