Mobile Deposit Process
IBC Bank offers mobile check deposit services to its customers through its mobile banking app. To utilize this service, follow these steps [2]:
Key Facts
- Mobile Deposit Process: To deposit a check using the IBC Bank mobile app, you need to follow these steps[2]:
- Properly endorse the back of the check by writing “For IBC Mobile Deposit Only.”
- Open the IBC Bank app on your mobile phone and log in.
- Select “Deposit Check” from the home screen.
- Choose the account you want to deposit into (Checking, Savings, or a different type of account).
- Enter the amount on the check and press “Done.”
- Take a photo of the front and back of the check using your phone’s camera.
- Make sure to center the check within the screen and capture clear images.
- Review the deposit details and press “Submit Deposit” to complete the process.
- Availability and Holds: It’s important to note that mobile deposits may be subject to a hold and may not be immediately available. The availability of funds can vary depending on factors such as the amount of the deposit, account history, and other considerations.
- Endorse the back of the check with “For IBC Mobile Deposit Only.”
- Launch the IBC Bank app on your mobile device and sign in.
- Select “Deposit Check” from the home screen.
- Choose the account for the deposit (Checking, Savings, or other).
- Enter the check amount and tap “Done.”
- Capture images of the check’s front and back using your device’s camera.
- Ensure the check is centered and the images are clear.
- Verify the deposit details and tap “Submit Deposit” to complete the transaction.
Availability and Holds
Mobile deposits may be subject to a hold and may not be immediately available [2]. The availability of funds depends on factors such as the deposit amount, account history, and other considerations.
FAQs
How do I deposit a check using the IBC Bank mobile app?
**Answer:** To deposit a check using the IBC Bank mobile app, follow these steps:
Endorse the back of the check with “For IBC Mobile Deposit Only.”
Launch the IBC Bank app on your mobile device and sign in.
Select “Deposit Check” from the home screen.
Choose the account for the deposit (Checking, Savings, or other).
Enter the check amount and tap “Done.”
Capture images of the check’s front and back using your device’s camera.
Ensure the check is centered and the images are clear.
Verify the deposit details and tap “Submit Deposit” to complete the transaction.
Are there any restrictions on the types of checks I can deposit using the mobile app?
**Answer:** IBC Bank does not specify any restrictions on the types of checks that can be deposited using the mobile app. However, it is always advisable to check with your bank if you have any specific concerns.
How long does it take for mobile deposits to be processed?
**Answer:** IBC Bank does not provide a specific timeframe for mobile deposit processing. However, most banks typically process mobile deposits within one to two business days.
Are there any fees associated with mobile deposits?
**Answer:** IBC Bank does not charge any fees for mobile deposits. However, your mobile carrier may charge for data usage.
What happens if I lose my phone after I have made a mobile deposit?
**Answer:** If you lose your phone after making a mobile deposit, you should contact IBC Bank immediately to report the loss. They will be able to assist you in securing your account and preventing unauthorized access.
Can I deposit multiple checks at once using the mobile app?
**Answer:** IBC Bank does not specify whether multiple checks can be deposited at once using the mobile app. It is recommended to contact your bank for clarification.
What should I do if my mobile deposit is rejected?
**Answer:** If your mobile deposit is rejected, you should contact IBC Bank’s customer support for assistance. They will be able to investigate the issue and provide guidance on resolving it.
Is mobile deposit a secure way to deposit checks?
**Answer:** Yes, mobile deposit is generally considered a secure way to deposit checks. IBC Bank uses industry-standard security measures to protect customer information and transactions.