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, snap a photo of the front and back of the check and fill in the amount. Press send 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.
Apple and Android Users
Available as a convenient feature within your Bank of Missouri mobile banking app. You can even enroll right within the app. Just tap the menu button, select "Deposits," 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.
Windows Phone Users
With our dedicated stand-alone app, you can utilize Mobile Check Deposit on a Windows phone. The app is specifically for mobile check deposit on your Windows phone. Please use your phone's browser for your other mobile banking needs. Give us a call or contact us online for more information.
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 “Deposits”
- Take a picture of your endorsed check
- Enter check amount
- Chose deposit account
- Tap “Deposit”
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: “[Payee Signature] For Mobile Deposit Only [Account # receiving deposit]”.
What are the limits on the dollar amount and the number of deposits I can make?
Consumer deposit limits:
- Daily limit: Max of 2 checks and $500.00 total
- Monthly (rolling 30 day period) limit: Max of 10 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 4 p.m. CST with Mobile Check Deposit are typically available on the next business day. Deposits submitted on weekends, federal holidays and Monday through Friday after 4 p.m. CST are typically processed the following business day.
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.
How will I know my deposit was received?
You will see a message that says “Deposit Accepted” in the app, and you will receive an email confirmation once the deposit has been approved.
Is Mobile Check Deposit available 24/7?
Yes. Mobile Check Deposit is available around the clock. However, the service may be temporarily unavailable from time to time for scheduled maintenance.
What are the requirements to use Mobile Check Deposit?
Android and iPhone users need to have a Bank of Missouri deposit account, Online Banking, and Mobile Banking to use Mobile Check Deposit. Windows users also need to have a Bank of Missouri deposit account, but are not required to be enrolled in Online Banking or Mobile Banking to use Mobile Check Deposit.