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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.

And, rest assured your mobile deposits are safe with us. We use multiple security layers, including data encryption, to protect information sent and received. For added security, Mobile Banking never transmits or stores any confidential data on your device and ensures that all private information sent hides personal details.

 

Mobile Check Deposit CalculatorUse our calculator to see how you could save time and money with Mobile Check Deposit!

 

Available as a convenient feature
within your Bank of Missouri mobile banking app.

Now you can enroll right within our Apple and Android mobile banking apps! Within the app, just tap the menu button, select "Deposits," and follow the on-screen instructions.

What you will need:

  • An iPhone, iPad, or Android device with the latest update of The Bank of Missouri's Mobile app
    • iPhone/iPad users: Version 3.19 or higher
    • Android users: Version 3.22 or higher

 

There is no fee from The Bank of Missouri.* You must enroll in order to begin using Mobile Check Deposit.

 

*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.

Mobile Check Deposit
 

  • Available for iPhone, iPad, Android phones and Windows phones
  • Also available for businesses

Mobile Check Deposit is available on Windows phones.

With our dedicated standalone app, you can utilize Mobile Check Deposit on a Windows phone. There is not currently a full mobile banking app for Windows devices. Please use the phone's browser for mobile web banking and the standalone app for Mobile Check Deposit.

Enroll now to start using Mobile Check Deposit.

Sign Up

 

 

Be sure to use the latest update of the app, Version 2.0 or higher. There is no fee from The Bank of Missouri.* You must enroll in order to begin using Mobile Check Deposit.

*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.

Mobile Check Deposit
 

Depositing checks with Mobile Check Deposit is a breeze.

Time is precious when you're running a business. Recapture your time by capturing your checks in our apps. Even better, there is no fee* from the bank and you now have two convenient ways to enroll:

 

  • Right within our Apple and Android mobile banking apps by tapping the menu button, selecting "Deposits," and following the on-screen instructions. Or
  • Register online by completing a short form.

Sign Up

 

 

*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.

Mobile Check Deposit
 

  • Tip: Enter your own first name in the "first name" field and the business name in the "last name" field.

Frequently Asked Questions

How do I deposit a check with Mobile Check Deposit?

Android, iPhone and iPad users will enroll within the app and then follow the steps below to deposit a check using The Bank of Missouri’s mobile banking app.  Windows users, after enrolling for Mobile Checking Deposit, will utilize a stand-alone mobile check deposit app which supplies easy to follow steps within the app.  

  1. Log into your Bank of Missouri Mobile App
  2. Tap the Deposits button
  3. Tap Deposit a check
  4. Take a photograph of your endorsed check:
    • Capture Check Front – If image is clear then tap Use, if image seems unclear you may tap Retake to start over. (A green checkmark will appear once check image has been validated.)
    • Capture Check Back – If image is clear then tap Use, if image seems unclear you may tap Retake to start over. (A green checkmark will appear once check image has been validated.)
  5. Enter check amount.
  6. Choose Account that you are depositing to.
  7. Tap Deposit.

What type of checks can I deposit with Mobile Check 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 type of checks can I NOT deposit with Mobile Check Deposit?

The following types of checks will not be accepted via our Mobile Check Deposit feature:

  • Foreign Checks
  • Checks payable to any person or entity other than yourself or a joint owner
  • Returned or re-deposited items

Are there limits on the dollar amount and the number of deposits I can make?

You are limited to the number of deposits made per day and per rolling 30 day period (month). You are also limited to the dollar amount of the deposits made per day and per rolling 30 day period (month).

Consumer deposit limits: 

  • Daily limit: Max of 2 checks and $500.00 total
  • Monthly 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 limit: Max of 60 checks and $25,000.00 total

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

Typically, funds are available on the next business day. We normally apply the terms of the “Regulation CC Funds Availability Disclosure” to check images received via The Bank of Missouri Mobile Check Deposit as if we had received the original paper check. However, in addition to any exceptions specified in the “Regulation CC Funds Availability Disclosure,” we may delay availability of funds from any deposit you make through The Bank of Missouri Mobile Check Deposit at any time at our sole discretion. This includes any concern we may have regarding our ability to collect the funds based upon any check image that you present.

Is there a cutoff time to make my deposit?

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 processed the following business day.

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?

You must securely store the original check either until you see it deposited into your account or for 14 days after it has been submitted, whichever is less. After the retention period, you must 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 easily read by the software

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

Reason: The check could be exceeding the daily or monthly deposit limits.

  • Solution #1: If you will be exceeding the limits on a regular basis, you should contact The Bank of Missouri to request a change to your limits.
  • Solution #2: If this is an exception item, you can deposit the check at the Bank of Missouri location nearest you.

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

  • Solution: Verify that 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. Has the check already been deposited?

These are the most common reasons that a check could be rejected. If you have corrected these issues and your check is still being rejected, please contact an Information Specialist at (888) 547-6541; or you may deposit the check at the Bank of Missouri location nearest you.

A check I deposited was returned, can I re-submit it through Mobile Check Deposit?

No. If a check is returned for insufficient funds, you may not re-deposit it through Mobile Deposit Capture. You should bring it in to a Bank of Missouri location.

How will I know that The Bank of Missouri received my deposit?

You will receive a message that says “Deposit Accepted” on the screen and it will give you an opportunity to review the deposit. You will also receive an e-mail confirmation once the deposit has been approved.

Is Mobile Check Deposit available 24/7?

Yes. Mobile Check Deposit is available 24 hours a day, seven days a week. However, the service may be temporarily unavailable from time to time for scheduled maintenance.

Do I need to be a Bank of Missouri customer to use Mobile Check Deposit?

Yes.  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.

How do I add or remove accounts from Mobile Check Deposit or cancel this service?

Click here to request any changes to your existing service. Our convenient online form will allow you to request that The Bank of Missouri either add an account for you to deposit checks into using Mobile Check Deposit, or will allow you to request that an existing account is removed from this service.