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What is mobile check deposit?
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What is mobile check deposit?

Mobile check deposit allows you to deposit your paper check via the MutualBank app.

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How do I access the mobile check deposit feature?
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How do I access the mobile check deposit feature?

In the MutualBank app, click the "Deposits" tab to access mobile check deposit.

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How do I sign/endorse the check to deposit with mobile check deposit?
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How do I sign/endorse the check to deposit with mobile check deposit?

Each check needs to be endorsed so that you know it was deposited through our app. Examples include:

"For mobile deposit only"
(your signature here)

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"Mobile deposit"
(your signature here)

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How long should I keep my paper check after depositing it with mobile check deposit?
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How long should I keep my paper check after depositing it with mobile check deposit?
You need to retain your paper check for 45 days after the deposit. After this time, your paper check should be destroyed.
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I received an error when trying to deposit my check. How do I remedy it?
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I received an error when trying to deposit my check. How do I remedy it?

See below for various error messages you could receive using mobile check deposit and what to do about them.
 

ERROR: Mobile check deposit won't accept the picture
Make sure the check is on a flat surface without anything else in the area and retake the photo.
 

ERROR: This check has already been submitted
Your check has already been received as a deposit and cannot be accepted for deposit again.

ERROR: Could not find endorsement on back of check
Make sure the check is endorsed and retake the photo. 

ERROR: Could not read the check
You’ll need to retake the photo. Be sure to hold the camera steady and ensure all four corners of the check are visible. 

​​ERROR: It appears you submitted 2 images of front of check
Retake the photos and ensure that you have an image of the front and back of the check. 

​​ERROR: Cannot read account data on bottom of check
Ensure the camera is in focus and all four corners are visible and then retake the photo. 

​​ERROR: Significant rotation or angle detected
You’ll need to retake the photo. Hold your device flat above check and keep all four corners of the check visible. 

​​ERROR: Poor lighting or contrast detected
Please retake the photo with better lighting. 

​​ERROR: The amount you entered did not match the amount detected
The deposit amount you entered did not match the amount detected on the check. Please re-enter the amount and retake photo. Or, go to ‘New Deposit’ and try the deposit again.  

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Is there a maximum dollar amount I can deposit with a single check with mobile check deposit?
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Is there a maximum dollar amount I can deposit with a single check with mobile check deposit?
Any check deposited through the mobile check deposit feature cannot be over $1,500.
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What is the maximum dollar amount I can deposit with the mobile check deposit feature in one day?
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What is the maximum dollar amount I can deposit with the mobile check deposit feature in one day?

The daily dollar limit of depositing checks through mobile check deposit is $2,500 unless your limit has been increased or decreased.

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Do I have to agree to the terms and conditions to use mobile check deposit?
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Do I have to agree to the terms and conditions to use mobile check deposit?

By using mobile check deposit, you are accepting the terms and conditions. If you do not agree to the terms and conditions, please do not use mobile check deposit or notify us to remove this option from your MutualMobile app.

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How will I know if my mobile check deposit was accepted?
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How will I know if my mobile check deposit was accepted?
You will be able to track the status of your deposit through the MutualBank app and the ‘Deposits’ tab. If your deposit is not accepted, you will receive an email from customersupport@bankwithmutual.com. The email will be sent to the email address we have on file.
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What types of checks can I deposit with mobile check deposit?
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What types of checks can I deposit with mobile check deposit?
Refer to the Mobile Banking Services Addendum available through our app or click here to view.

 

 

These questions and answers are provided for general information only and may not be completely accurate in every situation. The information provided is not legally binding on MutualBank or any of its affiliates or subsidiaries. For assistance with specific questions regarding your account(s), please contact us.

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