You've probably been hearing a lot about mobile deposit, where you can take a photo of your check and deposit it into your savings or checking account. Now, mobile deposit is available to Georgia's Own members! If you have not tried it yet, here are a few things you may need to know about this convenient service.
Who is eligible to use mobile deposit?
All checking and savings account holders other than Resolution Checking and Resolution Savings accounts will be eligible for mobile deposit.
What accounts are eligible for mobile deposit?
Any checking or savings account (other than Resolution Checking and Resolution Savings) as well as money markets.
What types of checks are accepted using mobile deposit?
Any personal checks, government/treasury checks or cashier's checks made payable to and endorsed by the account holder. Checks must be from a U.S. institution and in U.S. dollars.
How do I access mobile deposit?
First, you'll need to make sure you have registered for Georgia's Own online banking via tablet or desktop. Next, you'll need to download the Georgia's Own Mobile Banking App from either the Apple or Google Play App stores. Please note: The app is only available for iOS or Android devices at this time. After logging in, you'll press the menu button located in the top left-hand corner of the app (three horizontal lines) and select the option for 'Deposit a Check.'
How do I deposit a check?
1) Make sure you have signed the back of the check and written 'For Mobile Deposit Only' below your signature.
2) Tap the menu button inside the app (three horizontal bars) and choose 'Deposit a Check.'
3) Click the 'Deposit a Check' button once again (This is the check deposit history screen. In the future you'll see all of your past check deposits and their respective statuses).
4) Choose the account where you want your check deposited.
5) Enter the amount of the check.
6) Ensuring the check is in focus and is within the frame supplied; take an image of the front of your check.
7) Ensuring the check is in focus and is within the frame supplied; take an image of the back of your check.
8) Select 'Deposit Check' at the bottom to submit the check for review.
What should I do with the check after I have submitted it via mobile deposit?
Please hold on to your check for at least 45 days to ensure everything has processed correctly.
Will mobile deposits show up as a pending transaction?
No. They will post as a 'cleared' transaction once the check has been approved and processed.
What is the maximum amount I can deposit per check?
Up to $10,000 per check.
Are there daily or weekly limits?
You can deposit as many checks as you want but only up to a total of $10,000 per day.
After submitting my check how long will it take for my money to be deposited into my account?
The first $200 of your deposit made before 2:00 p.m. ET on a business day will be available in your account by the end of the next business day with the remaining funds available one business day later. For example, if you submit a $1,000 check at 1:00 p.m. ET on a Monday, you'll have access to the first $200 by the end of Tuesday and the remaining $800 on Wednesday.
The first $200 of your deposit made after 2:00 p.m. ET on a business day will be available in your account in two business days with the remaining funds available one business day later. For example, if you submit a $1,000 check at 6:00 p.m. ET on a Monday, you'll have access to the first $200 by the end of Wednesday and the remaining $800 on Thursday.
Any non-holiday, weekday is considered a business day.
There are certain scenarios where we might place an extended hold on your check. We will notify you in those situations.
I submitted my check on a weekend or Friday after 2:00 p.m. When will I see it in my account?
Checks submitted after 2:00 p.m. on Friday will be reviewed and processed the following business day (typically a Monday but would be a Tuesday if a holiday falls on a Monday). If approved, you will see the deposit in your account by the end of the next business day and will follow the funds availability found in the question above.
How will I know if my deposit has been accepted or rejected?
After clicking 'Deposit a Check' from the app menu, you'll be directed to the deposit history page. Any deposits shown with a green check mark have been approved and will follow our standard holds (see question above). If a deposit has an exclamation point inside a red triangle, you'll be notified via the online banking message center as to why it was not approved. Any deposits in a lighter color notated with a clock are still pending approval from Georgia's Own.
I'm receiving an error message that states, "The check amount exceeds your remaining daily limit"?
You can deposit up to $10,000 per check. Any attempted deposits over that amount will be rejected before submission.
I'm receiving an error message that states, "Could not find endorsement on back of check: make sure check is endorsed! Retake photo"?
Please ensure that you have signed the back of the check as well as added "For Mobile Deposit Only" below your signature, then retake the photo of the back of your check.
I'm receiving an error message that states, "Cannot read check. Please retake photo. Have steady hands, good lighting, and four check corners visible"?
Please ensure that the image of the front of your check has not been cut-off and is in focus.
I'm receiving an error message that states, "The amount you entered did not match the amount detected. Please re-enter amount and retake photo"?
Please ensure that the amount you provided is the same as written on the check.