Mobile Deposit FAQs

The Itasca Bank Mobile Deposit Service, available through our Itasca Bank Mobile Banking App, allows you to deposit a check directly into your eligible personal or business Itasca Bank checking, savings or money market accounts by taking a picture of a check using your mobile device. You must have online banking and mobile banking to use this service.

To enroll in Mobile Deposit, go to the Menu, then 'Services' in your online banking account. Use the drop-down to open and click on Mobile Deposit Enrollment.  You must accept the Mobile Deposit Service Terms and Conditions before you can be enrolled in Mobile Deposit.

Yes, and downloading the Mobile Banking App is convenient and simple. For your tablet, iPhone® and Android™ smart phones, you can simply search for "Itasca Bank and Trust" in the Apple App store or Google Play store, then download the app. Please log into the app using your Online Banking Login ID and Password.

You must have Itasca Bank's online banking to access Mobile Banking/Mobile Deposit.

Mobile deposits can be made into checking, savings and money market accounts.

Checks must be issued by a U.S. bank in U.S. dollars. You may use the Itasca Bank Mobile Deposit Service to deposit original paper checks that are made payable to the name of the account holder.

Listed below are some checks that are not eligible for this service:

• Items that are not made payable to and endorsed by you.
• Checks containing an alteration on the front of the check or item, or which 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 payable jointly, unless deposited into an account in the name of all payees.
• Checks previously converted to a substitute check, as defined in the Expedited Funds Availability Act/Regulation CC.
• Checks drawn on a financial institution located outside the United States.
• Checks that are remotely created checks, as defined in the Expedited Funds Availability Act/Regulation CC.
• Checks not payable in United States currency.
• Checks dated more than six months prior to the date of deposit.
• Checks or items prohibited by the Bank's current procedures relating to the Services or which are otherwise not acceptable under the terms of your account.
• Checks with any endorsement on the back other than that specified in this Addendum.
• Checks that have previously been submitted through the Service or through a remote deposit capture service offered at any other financial institution.
• Checks that have previously been deposited or negotiated in any way via any method at Itasca Bank & Trust Co. or any other financial institution.

Endorse the check with your signature (or endorsement stamp) and write "For Itasca Bank Mobile Deposit Only" below the signature. If the check is not endorsed correctly, the Bank will have to reject it and you will need to find another way to complete your deposit. Please note that if you subsequently need to deposit the physical check due to the mobile transaction not processing, you may have difficulty at another financial institution refusing to accept the item for deposit.

The Mobile Deposit Service can be used 24 hours a day, seven days a week. Deposits made via Mobile Deposit before 4:00 PM Central Time are considered deposited on the current business day. Deposits made after 4:00 PM Central Time will be considered deposited the next business day. A business day is Monday through Friday, excluding Federal holidays and as otherwise posted in our branches or at itascabank.com.

• Sign in to Mobile Banking.
• Choose the Deposit Option in the menu.
• Click on Deposit Check.
• Choose an account, if you have multiple accounts.
• Enter the amount of your check.
• You will be prompted to take a picture/capture the front of your check. Make sure your check is clearly visible and include all four corners of the check. Take a picture of your check.
• Repeat the process to capture the back of your check.
• Please confirm your deposit details and if everything is correct, click "Submit" to deposit your check.
• If there was a problem with your deposit/image, you will see the message "Deposit Failed" and you will need to attempt your deposit again.
• If your deposit did not have any image issues, you will see the result "Deposit Sent Successfully".

A check deposit only takes a few minutes and you will know immediately if your check was submitted successfully. A successful submission does not guarantee deposit. Pending deposits made with ineligible checks may be rejected during the Review process. You should not assume that your deposit will credit to your account until you see that your deposit shows under the transaction detail in Mobile Banking.

There is a per item dollar limit of $3,000.

During a rolling 30 day period, there is a dollar limit of $10,000 and a maximum number of 10 deposits allowed.

If you exceed this limit, you will receive an error message related to the limit exceeded.

You can only submit one check deposit at a time and each check is considered a separate deposit. However, you can make multiple deposits in a single mobile session, but the total deposit amount cannot exceed the monthly deposit limit ($10,000) or monthly number of deposit limit (10).

When you submit your Mobile Deposit, it will remain in a pending status until it’s been reviewed and accepted. Once your deposit has been reviewed and accepted, it will credit to your account and will appear under the account’s transaction history in Mobile Banking as "Mobile Deposit".

• After completing the mobile deposit, mark the check in some fashion (e.g. such as "Mobile Deposit + the date of deposit"), immediately after you verify that the check has credited to your account. Regularly review your deposit transactions online or on the "Accounts" transaction history of your mobile phone to determine when the check has credited to your account.
• If your deposit cannot be credited for some reason, Itasca Bank may ask you to deposit the physical check.
• Securely retain your checks for 30 days after the checks are credited to your account and then securely destroy the checks that were deposited using Itasca Bank Mobile Deposit.

You may receive an error message on your device at the time of your deposit, or you may receive an email after Itasca Bank has reviewed the deposit. After your account is credited, if a check is being returned, you will receive a notice via U.S. mail.

No, if there is an error made in entering the amount, the deposit will appear to go through to the customer; however, the Bank will not be able to process it and it will show as a credit and a returned check on their account. The customer will need to deposit it by some other means (e.g. at a branch, via U.S. mail, etc.).

There is no charge for using the Itasca Bank Mobile Deposit Service. But check with your wireless provider about carrier, text, and internet fees that may apply.

Deposit History is available in the Mobile App under the Deposit function. You will be able to view the images of the checks you deposited during the last 30 days.

In addition to login ID and password, we use multiple security layers, including advanced encryption.

For your added security, passwords and actual check deposit records or images are not stored on your mobile device. Additional ways to ensure security:

• Protect your tablet/phone password.
• Don't keep your password in a location accessible to others.
• Don't allow others to perform transactions for you.
• Periodically change your password by logging in to itascabank.com.
• Notify us if password security has been breached.
• Review your statements promptly and report any problems.
• Store your original checks in a safe place after depositing.
• Endorse the back of each check.
• Securely destroy each original check 30 days after it is credited to your account.

To access Mobile Deposit, you must be an iPhone, iPad or Android smartphone or tablet user. Mobile Deposit may not be available on older iPhone or Android devices.