Can I set up an alert message so that I am notified each time a mobile deposit is made?

Yes. A mobile deposit alert can be set up through online banking. After logging in to online banking, click on alerts, click on either checking or savings, click on set up new alert and choose the category and type of alert, then choose which account you would like to receive an alert for and then how you would like to be notified of the alert. You will receive an alert message the day after the mobile deposit posts to your account.

When are the funds available from a mobile deposit?

If you transmit your mobile deposit before 4:30 pm CST on any Business Day, we shall review and process your mobile deposit on that Business Day. If your deposit is in compliance with the mobile deposit terms and conditions and we accept the deposit, it will be credited to your account the same business day. If you transmit your mobile deposit after 4:30 pm CST on any Business Day, we shall review and process your mobile deposit on the next Business Day. If your deposit is in compliance with the mobile deposit terms and conditions and we accept the deposit, it will be credited to your account the next business day.

What happens if I receive an exception or error message?

There are certain conditions in the process of making a mobile deposit that may result in an error message. You may be given the option to resolve the error (see below for Guidelines for Resolving Exception or Error Messages).

What are the daily cut-off times for deposits made through mobile deposit?

If you transmit your mobile deposit before 4:30 pm CST on any Business Day, we shall review and process your mobile deposit on that Business Day. If your deposit is in compliance with the mobile deposit terms and conditions and displays “accepted”, it will be credited to your account the same business day. If you transmit your mobile deposit after 4:30 pm CST on any Business Day, we shall review and process your mobile deposit on the next Business Day. If your deposit is in compliance with the mobile deposit terms and conditions and displays “accepted”, it will be credited to your account the next business day.