Mobile Deposit Frequently Asked Questions
What is Mobile Deposit and how does it work?
The Mobile Deposit feature allows users to make a check deposit via our BhB&T Mobile App. Simply photograph the front and back of your check with your iPhone, Android mobile phone or tablet and submitting that image for deposit to your account.
Who is eligible to use Mobile Deposit?
What type of device do I need to make a Mobile Deposit?
With Mobile Deposit, you can deposit a check using an Apple iPhone with iOS 8 and above (release date June 12, 2014), and Android KitKat (Level 20) and above or Version 4.4.4 and higher (release date for KitKat 4.4 was October 31, 2013). Devices need to be capable of downloading our Mobile Banking App and have camera capabilities. To keep your device secure, we strongly suggest you update your mobile device to the most current operating system(s). Android Nougat version 7.0-7.1.1, release date August 22, 2016 and iOS 10.3, release date February 20, 2017.
Where can I find the Mobile Banking App?
Is Mobile Deposit safe and secure?
Yes! Checks are transmitted through a secured SSL encrypted browser.
Is there a fee to use Mobile Deposit?
There is no fee to have our BhB&T Mobile Banking app. There is a $0.50 fee per Mobile Deposit. Each check is a single deposit. It is recommended that you check with your wireless service provider too, as your provider may apply additional charges.
Are there deposit limits?
There is a $2,000.00 per check deposit limit. The daily deposit limit is $2,500.00.
Can I deposit more than one check at a time?
Yes. Each check is deposited individually and requires photos of both the front and back of the check. There is a $2,000.00 per check deposit limit. The daily deposit limit is $2,500.00. Each check is considered a deposit.
Is there a cut-off time for making a deposit?
Mobile Deposits must be submitted by 4:00 p.m., Monday through Friday, for deposit to take place on same business day. Deposits will not be posted on holidays, Saturdays or Sundays. Checks deposited after 4:00 p.m. on any business day may be processed the following business day.
When is my deposit credited to my account?
Deposits will post daily Monday through Friday. Funds from Mobile Deposits will be made available in accordance to Blackhawk Bank & Trust’s Funds Availability Schedule.
What types of checks can be deposited?
Checks deposited through Mobile Deposit must be legal, legible drafts drawn off of a Financial Institution within the U.S. and in U.S. currency. Exclusions include foreign items, Image Replacement Documents (IRDs), duplicate items, and checks not in U.S. Currency.
Which accounts can I make deposits to?
Any checking or savings accounts connected to your eCHIEF Internet Banking profile can accept deposits via Mobile Deposit.
Do checks need to be signed?
Yes, endorse or sign the check with your signature. Without an endorsement, your check will be rejected and fail to deposit. The terms “For Mobile Deposit Only” must be included within the endorsement.
How will I know if my Mobile Deposit was accepted?
All checks will be reviewed to verify signatures, endorsements, and to prevent fraud. To confirm your deposit was successful, you can check your deposit history via the BhB&T Mobile app. Within the app, select “Deposits” on the toolbar. From there select “Check Deposit History” and view the status. Your deposit will be marked as accepted, pending or failed. For best results, ensure the image of your check is inside the four corners of the box, the information on the front and back of the check is legible, and that it is properly zoomed in or out as necessary. The back of your check must also be endorsed “For Mobile Deposit Only”.
What do I do if a check failed to deposit?
If a check fails to deposit, you can call us at (309) 787-9575 or stop by any of our 17 convenient locations. An additional hold on funds may apply.
Can a deposit be cancelled once it is submitted through Mobile Deposit?
Generally no. However, if your deposit took place during regular business hours and you would like to chance the deposit, if you take immediate action by calling (309) 787-9575 we may be able to assist.
What should I do with the paper check after using Mobile Deposit?
We recommended that you mark the check as “electronically presented” or “void” after it has been deposited and posted to the account. Securely store the check for 45 days before destroying.
How long will my check image be available in my Deposit History?
Check images will be available for 30 days for any checks deposited through Mobile Deposit.