In today’s fast-paced world, convenience is key. At Sun Canyon Bank, we understand that your time is valuable, which is why we offer Mobile Check Deposit through our user-friendly mobile app. This service allows you to deposit checks anytime, anywhere, without the need to visit a branch. In this blog we answer all your questions about this convenient feature.

What Is Mobile Check Deposit?

Mobile Check Deposit is a feature available through the Sun Canyon Bank mobile app that allows you to deposit checks using your smartphone or tablet. The app will guide you to simply take a photo of the front and back of your check and submit it. It’s that easy.

How Do I Use Mobile Check Deposit?

Using Mobile Check Deposit is simple and straightforward. Follow these steps:

  • Download the App: If you have not already, download the Sun Canyon Bank mobile app from the Apple App Store or Google Play.
  • Log In: Open the app and log in to your account using your username and password. If you are not sure how to register for Online Banking, visit our FAQ page.
  • Select Deposit Checks: Navigate to the “Deposit Checks” option in the app on the main menu.
  • Capture Images: Follow the prompts to take clear photos of the front and back of your endorsed check.
  • Submit: Confirm the details and submit your deposit. You will receive confirmation once the deposit is successfully submitted.

What Are The Benefits Of Mobile Check Deposit?

  • Convenience: Deposit checks from the comfort of your home or on the go, 24/7.
  • Timesaving: No need to visit a branch or ATM, saving you time and effort.
  • Security: Mobile Check Deposit uses advanced encryption and security measures to protect your information.

Frequently Asked Questions About Mobile Check Deposit

How will I know if my check/deposit is accepted through Mobile Check Deposit?

An on-screen deposit confirmation is available on the “History - Previous Deposits” screen viewable within the app. Successfully submitted deposits to the bank will be listed as “Submitted,” accepted and processed deposits will be listed as “Accepted,” and unaccepted deposits will be listed as “Rejected.” Also, system generated email notices are sent to notify you of when deposits are received (submitted to bank), accepted (processed and approved) and not accepted (processed and rejected).

Is there a dollar amount limit of checks I can deposit through Mobile Check Deposit?

No, there is no dollar limit on the checks you deposit. There is a total daily limit of $5,000. If you want to deposit more than $5,000 per day, you need to contact the bank to request your limit be increased.

Is there a fee to use Mobile Check Deposit?

Mobile Check Deposit is a free service for our customers.

Is there an endorsement requirement for checks I deposit through Mobile Check Deposit?

Checks need to be endorsed with, “For Mobile Check Deposit Only” and your signature.

What is the cut off time for making deposits through Mobile Check Deposit?

Mobile Check Deposits received before 4:00 p.m. CT on Monday – Friday (excluding bank holidays) will be deposited that day. Deposits made after 4:00 p.m. CT will be posted to your account on the following business day.

What type of accounts are deposits accepted for through Mobile Check Deposit?

Deposits will be accepted for checking, savings, or money market accounts.

What types of checks are not accepted for Mobile Check Deposit?

  • Checks payable to any person or entity other than the person or entity that owns the account that the check is being deposited into.
  • 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 Reg. CC.
  • Checks drawn on a financial institution located outside the United States or not payable in United States currency.
  • Checks that are remotely created checks, as defined in Reg. CC.
  • Checks dated more than six months prior to the date of deposit.
  • Checks or items prohibited by Sun Canyon's current procedures relating to the Services or which are otherwise not acceptable under the terms of your Sun Canyon account.
  • Checks payable on sight or payable through Drafts, as defined in Reg. CC.
  • Checks with any endorsement on the back other than that specified in this agreement.
  • Checks that have previously been submitted through the Service or through a remote deposit capture service offered at any other financial institution.
  • Checks or items that are drawn or otherwise issued by the U.S. Treasury Department.
  • Travelers Checks.

When will my funds be available for checks I deposited through Mobile Check Deposit?

Funds are generally available the next business day after the day of deposit. Refer to the bank’s Funds Availability schedule for more information.

Why would my deposit be rejected through Mobile Check Deposit?

See examples below:

  • Check is over the daily deposit limit (customer may contact us for an increase of limit; requires approval).
  • MICR line is blank or already encoded on check or invalid routing number.
  • Missing or improper endorsement.
  • Duplicates (check previously deposited).
  • Image quality (dark, angle, size, front and back images are the same, etc.).
  • Dollar amount entered does not match check amount.

What should I do with the check after depositing it?

After successfully depositing your check using Mobile Check Deposit, it is a good practice to:

  • Mark the Check: Write “Deposited via Mobile” and the date on the check.
  • Keep the Check: Retain the check for at least 14 days to ensure it has cleared.
  • Destroy the Check: After the retention period, securely destroy the check to prevent any potential misuse.

Troubleshooting Tips

If you encounter any issues while using Mobile Check Deposit, here are some tips:

  • Ensure Good Lighting: Make sure you are in a well-lit area to capture clear images of the check.
  • Avoid Shadows: Hold your device steady and avoid shadows over the check.
  • Check Endorsement: Ensure the back of the check is properly endorsed with your signature and “For Mobile Deposit Only.”

Mobile Check Deposit Sun Canyon Bank offers a convenient, secure, and efficient way to manage your deposits. By leveraging this feature, you can save time and enjoy the flexibility of banking on your terms. If you have any further questions or need assistance, our customer service team is here to help. Download the Sun Canyon Bank mobile app today and start enjoying the benefits of Mobile Check Deposit.

Download The Sun Canyon Bank Mobile App Today