What is Mobile Deposit and how does it work?
Mobile Deposit allows you to deposit a single check to your checking account by simply taking a picture of the front and back of the check with a camera-enabled smart phone.
What kind of mobile device will work for Mobile Deposit and what are the device requirements?
First Community Bank’s Mobile Deposit App will work on iPhone® and Android™ operating systems. The phone's camera must have a resolution of 2 megapixels or higher and you must have a wireless data plan with your mobile device carrier.
Are there enrollment eligibility requirements to enroll in Mobile Deposit?
Enrollment eligibility requirements include: you must be enrolled for Online Banking and Mobile Banking to enroll a checking account for Mobile Deposit. You must have demonstrated financial responsibility with all First Community Bank accounts.
How do I enroll for Mobile Deposit?
Download the app from the designated market for your phone type – Apple Tunes tore or Android Google Play and click on Enroll Now; or visit Mobile Deposit Enroll.
Is there a fee for Mobile Deposit?
Retail customers will not be charged a fee for this service and business customers will be charged a $1.00 per item deposited fee.
Will I be charged by my mobile carrier for this service?
Your standard wireless carrier charges may apply.
Do I need to endorse the check I am depositing?
Before transmission, First Community Bank will restrictively endorse any check or item transmitted through the Service as “For deposit only” along with other identifying information such as the bank routing number and date of deposit.
Is there a limit to the dollar amount that I can deposit using Mobile Deposit?
All items deposited via Mobile Deposit are subject to Bank review and/or approval. Limits are as follows: Daily Check Limit – 5, Daily Amount - $3,000.00; Monthly Check Limit – 25, Monthly Amount - $7,500.00.
Do I need to bring the check into the bank after I submit it for deposit using the mobile deposit feature?
No, do not bring the check into the bank after you submit the deposit. Once you have successfully transmitted a deposit to the bank, prominently mark the check or items as “Electronically Presented”. We recommend you keep the check for 5 business days, and promptly provide the check or a sufficient copy of the front and back of the check or item to the Bank to resolve any claim by a third party with respect to that check.
How quickly will the deposit show up in my account?
Mobile Banking deposits received and accepted before 6 pm Eastern Time on a Business Day are credited to the customer’s account and made available for use on the next Business Day. Provisional credit (memo-credit) will not be given for deposits made by Mobile Deposit. This means the customer will not be able to withdraw cash against the deposit until it is actually posted to their account. Please note all deposits are subject to review and/or final approval by the Bank.
Can I make a deposit to my savings account?
No. Mobile Deposit is available for deposits made only to checking accounts. You may use Mobile Banking to transfer funds after they become available.
Can I use Mobile Deposit with my business accounts?
Yes, this service is available for business accounts.
Can I use the same ID and password that I use for Online Banking?
Yes, your Online Banking Login User ID and Password is the same for Mobile Banking, in which you access Mobile Deposit.
How can I view the checks I have deposited and how long are they available?
Deposited check images can be accessed via login on your Mobile Deposit app where they are encrypted and stored for 30 days.
Is it easy to take good pictures from a camera phone?
Camera phone customers are generally familiar with their device and with taking a picture of a friend – or a check! The Mobile Deposit app has been designed to be simple for a customer, but also robust enough to catch errors. After a customer takes images of both the front and back of a check, the Mobile Deposit app will analyze the images for quality and will provide you with feedback almost immediately. You will be notified if the images have been submitted successfully and that the transaction is complete. Alternatively, we may request that you retake the picture because there was a problem reading the check. For example, the user may have not taken a picture of the entire check or there was poor lighting, etc.
Can I make a Mobile Deposit to different checking accounts?
Yes, during the enrollment process, you may enter multiple checking accounts to be available for use. During the image upload process, you will select the checking account for your individual deposit.
Can I log in to the Mobile Deposit app from multiple mobile phones?
How long does it take to upload a deposit?
This will depend on the speed of your connection. Wi-Fi transmission submit times are usually in the 5-10 second range. 3G network transmission times range from 10-30 seconds and pre-3G transmission times range from 30-90 seconds.
Will I be notified when an updated version of the app is available?
Yes, you will be notified either by the Mobile Deposit application or via the App Store when a newer version is available.
How secure is this service and will the check images be saved on my mobile device?
Mobile Deposit provides the following security measures: Login and login authorization, encryption of locally stored data, Secure Socket Layer (SSL) connection requirement, two-factor authentication (unique device signature). No check images are stored on the device.
Who should I call if I need help with mobile deposit?
For assistance, please call our Customer Support Center (800) 971-4671 from Monday through Friday between 8:00 a.m. and 6:00 p.m. and on Saturdays between 8:00 a.m. to 12:30 p.m. You can also email at firstname.lastname@example.org.
What if I want to add or delete a checking account?
To add or delete an account, visit https://fcbresource.com/Forms/Mobile-Deposit-Enrollment.aspx or to cancel the Mobile Deposit service, please call our Customer Support Center at (800) 971- 4671 or email at email@example.com.