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Q. What is Mobile Deposit?
Mobile Deposit provides the convenience of depositing checks from any location, 24-hours a day, 365-days a year by taking a photograph of the front and back of the check with your smartphone or internet-enabled tablet and submitting it through our Mobile Banking service.
Q. How do I enroll for Mobile Deposit?
Eligible accounts will automatically be enrolled for Mobile Deposit when you login to Mobile Banking. Many of our checking, savings and money market accounts are eligible for this service. To access Mobile Deposit, select the “Check Deposit” option in the navigation menu of your device.
Q. How much does this service cost?
There is currently no charge associated with this service. However, there may be charges associated with text messaging and data usage on your device. Check with your wireless provider for additional information.
Q. What types of checks can I deposit with Mobile Deposit?
Most domestic checks can be processed through Mobile Deposit. We are unable to accept Money Orders, Foreign Items, Savings Bonds, or Third Party Checks through Mobile Deposit.
Q. Are there any limits on the dollar amount of deposits I can submit?
Yes. Checks up to and including $1,500.00 can be deposited using Mobile Deposit. In any one day, the total of checks deposited may not exceed $3,000.00. During any 25-business day period, the total amount of checks deposited may not exceed $5,000.00. Any items presented in excess of the limits will be returned at our discretion.
Q. Do I photograph both the front and the back of my check?
Yes. During the deposit process, you will be required to photograph the front and back of your check.
Q. How will I know if Elmira Savings Bank has received and processed my deposit?
After you complete the deposit, you will receive a notification by e-mail confirming the Bank has received your deposit. After the Bank has reviewed your deposit, you will receive a second e-mail notification indicating if it was approved or declined. If declined, a reason will be provided.
Q. When will my deposit post to my account?
Approved deposits received before 3:00 p.m., Monday through Friday (excluding holidays and early closings due to weather conditions, etc.) will be posted to your account the next business day.
Q. When will the funds be available?
All deposited items will follow the Bank’s Funds Availability Policy. Depending on the type of check you deposit, funds may not be available until the second business day after the day of your deposit.
Q. Can I photograph more than one check at a time?
You can deposit up to five checks throughout the same day; however you will submit each as a separate deposit.
Q. What if the check image I photographed is bad?
You have the option to retake photographs of the check before submitting or you may cancel the deposit. If you are unable to photograph a clear image, please mail your deposit to Elmira Savings Bank for processing or visit any of our branch offices.
Q. Do I destroy my check after I photograph the deposit?
No. Please keep the check for at least 30 days to ensure it appears on your account statement. After 30 days, you may securely destroy the check. Do not write VOID on the check after submittal in the event the deposit is not approved and needs to be re-submitted.
Q. What if I submitted a deposit for the wrong amount? Do I need to resubmit the deposit?
No, you do not need to resubmit your deposit. Our Operations Center will correct the deposit amount and you will receive an email confirming the correction.
Q. What if I submit the same deposit twice in error?
If the same deposit is submitted twice, it will be identified and stopped by our processing. Should this occur, you will receive a declined deposit notification for the second deposit received through the Mobile Deposit service.
Q. A check I submitted was returned, can I resubmit it?
If a deposit is returned, please do not re-deposit the check with the Mobile Deposit functionality. You will receive written communication from Elmira Savings Bank through the US Postal Service if a deposit is returned.
Q. Why are the Mobile Deposit screens not appearing correctly on my mobile device?
If the Mobile Deposit screens appear incorrectly or incompletely on your device, you may be using an outdated version of the Mobile Banking Application. Please update the application and submit your deposit again.
Q. What type of internet connectivity do I need?
Your mobile phone must have an appropriate data plan that allows the transmission of data over the internet.
Q. Why is the processing time to upload a check slow?
The processing from device to the Bank and back is not controlled by the Bank. This is dependent upon your device, carrier, memory on the device, and current connection that you have.
Q. If I need additional information on Mobile Deposit, who can I call?
For additional assistance, please contact our Call Center at (607) 734-3374.
Q. How do I make a Mobile Deposit?
After launching the Mobile Banking App, select the “Check Deposit” option in the navigation menu. When the Check Deposit screen appears, you will be presented with two options “Deposit” and “Recent”. Select the “Deposit” option to enter new checks for deposit, or select the “Recent” option for a history of past Mobile Deposits.
In the “Deposit” screen, follow the steps below to submit a deposit.
For Deposit Only
Elmira Savings Bank Account
©2018 Elmira Savings Bank All Rights Reserved
Elmira Savings Bank
333 E. Water St., Elmira, NY 14901
Phone: (607) 734-3374
The Advisor Newsletter
Routing Number: 221370399
Orig NMLS #403589
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