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Mobile Check Deposit

Mobile Check Deposit

Save time and hassle by depositing checks as soon as you get them, from anywhere. Simply open the app on your smartphone, fill in the amount, and snap a photo of the front and back of the check. Press submit and your deposit is made.

We use multiple security layers, including data encryption, to protect information sent and received. For added security, our mobile banking app never stores any confidential data on your device and ensures that all private information sent hides personal details. Even better, there’s no charge¹ from The Bank of Missouri.

Available in your Bank of Missouri App

Mobile Check Deposit is available as a convenient feature within your Bank of Missouri mobile banking app. You can even enroll right within the app. Just tap "Deposit Checks" in the menu and follow the on-screen instructions. All you need is an iPhone, iPad, or Android device with the latest version of The Bank of Missouri Mobile app.

Download today and start depositing.

App Store download for Bank of Missouri appGoogle Play download for Bank of Missouri app

Business Users

Business customers have two great ways to deposit checks remotely: Mobile Check Deposit and Remote Deposit Capture. Visit our business center or give us a call to find out which is right for your business.

Frequently Asked Questions

How do I deposit my check?

  • Open the app
  • Tap “Deposit Checks”
  • Enter check amount
  • Take a picture of your endorsed check
  • Chose deposit account
  • Tap “Submit”

Note: When endorsing your check for mobile deposit, include these three lines on the back of your check:

For Mobile Deposit Only
The Bank of Missouri
Your Signature

What type of checks can I deposit?

Any check drawn on institutions located within the United States that has a MICR line (these are the numbers printed in magnetic ink near the bottom of the front of your check). Checks need to be payable to the account owner or any joint owner(s) and must be properly endorsed with:

For Mobile Deposit Only
The Bank of Missouri
Your Signature

What are the limits on the dollar amount and the number of deposits I can make?

***The daily and monthly limits have been temporarily increased from the usual limits shown below. This change is in effect until June 1, 2021 to help customers during the COVID-19 situation.***

Consumer deposit limits:
  • Daily limit: Max of 5 checks and $500.00 total
  • Monthly (rolling 30 day period) limit: Max of 20 checks and $1,500.00 total
Business deposit limits:
  • Daily limit: Max of 5 checks and $5,000.00 total
  • Monthly (rolling 30 day period) limit: Max of 60 checks and $25,000.00 total

When will I have access to my Mobile Check Deposit funds?

Deposits made by 5 p.m. CST with Mobile Check Deposit are typically available the same business day. Deposits submitted on weekends, federal holidays and Monday through Friday after 5 p.m. CST are typically processed the following business day.

As soon as you see the deposit in your account transactions, you can use it.

The Bank of Missouri may choose to delay availability of funds from any deposits made through Mobile Check Deposit at any time at our sole discretion.

Can I deposit more than one check at a time?

You can deposit multiple checks in the same mobile banking session; however you can only submit one check per deposit at a time.

What should I do with my check after using Mobile Check Deposit to deposit it?

Securely store the original check until either you see it deposited into your account or for 14 days after it has been submitted, whichever is less. After the retention period, write “VOID” across the front of the check in black or blue ink and then destroy it by cross-cut shredding or another commercially acceptable means of destruction.

Why was my check rejected?

Mobile Check Deposit could have rejected your check for any of the following reasons:

Reason: The check could not be read by the software

  • Solution: Retake the picture. Make sure all four corners of the check are in the picture frame and that the check is lying as flat as possible on a dark colored background.

Reason: The check exceeds the daily or monthly deposit limits.

  • Solution: If you would exceed the limits on a regular basis, contact us to discuss a change in your limits or deposit the check at The Bank of Missouri location nearest you.

Reason: There is a discrepancy between the amount entered and the amount for which the check is written.

  • Solution: Verify the amount written on the check matches the amount you entered.

Reason: The item has already been deposited.

  • Solution: Review the transaction history on your account to see if the check has already been deposited.

These are the most common reasons a check could be rejected. If you have corrected these issues and your check is still being rejected, please contact us at (888) 547-6541 or visit The Bank of Missouri location nearest you.


¹ There is no fee from The Bank of Missouri. Connectivity and usage rates may apply. Please contact your wireless provider for details. Certain restrictions apply. Funds may not be immediately available.

External Link Disclaimer

You will be linking to another website not owned or operated by The Bank of Missouri. The Bank of Missouri is not responsible for the availability or content of this website and does not represent either the linked website or you, should you enter into a transaction. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by The Bank of Missouri of any information in any hyperlinked site. We encourage you to review their privacy and security policies which may differ from The Bank of Missouri.

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Email Disclaimer

Because there is a risk information transmitted via Internet email could fall into the wrong hands, The Bank of Missouri suggests confidential information, such as account numbers or social security numbers, not be transmitted via email. If this information must be stated, please contact The Bank of Missouri by phone or at your nearest branch.

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