Mobile Deposit is a feature within Digital Banking that allows you to deposit checks by using your phone’s camera.

To use Mobile Deposit:

• Log in to your 1^st Advantage Mobile app.
• Choose Deposits under the menu.
• In the Account field, choose the account you want to deposit and make sure to endorse

by signing your name on the back and printing “For Mobile Deposit Only” below your signature.

• Capture an image of the front and back on your check.
• Enter the amount, verify the information and select Submit.

Tips for using Mobile Deposit:

• Take photos in a well-lit area
• Place check on a dark surface
• Be sure only the check is in the photo (no fingers holding the check)
• Make sure the whole check is visible in the guidelines; leave a small amount of space between the guidelines and the edges of the check
• Give the camera time to focus before taking the photo; being too close can make the check image is blurry.
• Make sure the check isn’t folded or torn

Within the endorsement area on the back of the check, sign your name and print “For Mobile Deposit Only”.

Typically you can use Mobile Deposit to deposit checks that are payable to you. Some exceptions may apply.

Checks deposited using Mobile Deposit are available for withdrawal based upon our typical funds availability policy. If we receive your mobile deposit by our Mobile Deposit cut-off time of 4pm CST, Monday through Friday (excluding holidays), we consider that business day to be the day of your deposit. Otherwise, we will consider that the deposit was made on the next business day we are open. If made by the 8pm CST Mobile Deposit cut-off time, Monday through Friday (excluding holidays), these deposits will typically be available the next business day. In some cases, an extended hold may need to be placed on a mobile deposit, meaning funds will not be available the next business day.

Yes, there is a $5,000.00 daily limit and a $10,000.00 monthly limit for mobile deposits made through the 1^st Advantage Mobile App. The monthly limit amount is a on rolling 30-day cycle.  As mobile deposits become available to you, they will no longer count toward the limit, making room for future deposits.