What is required to use North Shore Bank's Mobile Deposit?
To deposit checkswithNorth Shore Bank's Mobile App you will need to:
- Have aninternet-enabled Android™ or iPhone® / iPad® with a camera.
- Beenrolled in Online Banking
- Have downloaded North Shore Bank's Mobile App on your mobile device
- Be apersonal or business bankingcustomer withaccounts in good standing.Please notethatMobile Deposit privileges may be removed at any time upon management’s discretion. Also,the enrollment process for businesses requires the completion of separate application — for more details orto get started, speak withany branch representative.
- Acceptthe terms of our Mobile Deposit Agreement (which will appear the first time you attempt to make a mobile deposit)
Is there a charge to use North Shore Bank's Mobile Deposit?
While North Shore Bank does not charge for this service, any transaction fees associated with your deposit account will continue to apply. There may alsobe additional datarates related to accessing the North Shore Bank Mobile App from your mobile device. Check with your wireless provider for details.
Are there system requirements for Mobile Deposit?
Mobile Deposit works on most Apple and Android devices, however,please be advised of the following operating system requirements:
- iPhone, iPad or iPad Mini device running iOS7 or newer and with the camera enabledwithin the NSB Mobile Banking app
- Android OS 4.0 or higher with the camera enabledwithin the NSB Mobile Banking app
Is North Shore Bank’s Mobile Deposit secure?
North Shore Bank offers extensive security features to ensure that you can conduct your banking in a safe and private online environment. The mobile app is as secure as ouronline banking platform - utilizing the same industry-standard SSL encryption. In addition, no check images are stored on your phone. However, it is your responsibility to protect your remote device and security credentials from unauthorized access. You assume the entire risk for the fraudulent or unauthorized use of your security credentials.
Are there item types which cannot be deposited?
Thefollowingitemscannot be deposited with the mobile app:
- Third-party checks
- Foreign checks
- Savings Bonds
- Returned or re-deposited items
- Post-dated or stale-dated checks
- Drafts or non-negotiable items
- Tax refund checks
- Insurance checks
Checksmust bemade payable to the account owner or joint owners and must be properly endorsed.Your checkmust include the following restrictive endorsem*nt: "For Mobile Deposit Only North Shore Bank."
Are there suggestions for taking quality images?
Images are reviewed for clarity and completeness at the time the deposit is submitted. If errors are detected, the App will immediately prompt you to retake the photo. As a matter of course, pleasebear in mind the following recommendations and or requirements:
- All checks must be signed, dated and filled out completely
- Use blue or black ink
- Photos should be taken in a well-lit area
- Place checks on a flat,contrasting background (white or black tends to work best)
- Keep other objects from view
- Take the picture directly above the check and not from an angle
- Ensure that the check is within theguides and that all corners are visible
When will Mobile Deposits be available in my account?
Funds from mobile deposits made before 4:00 p.m. will be credited to your account on the next business day.Mobile deposits made after 4:00 p.m. (or on weekends or holidays) will be credited to your accounton thesecond businessday. All deposits are subject to review, and your deposit may not be available for immediate withdrawal subject to the Funds Availability disclosure provided during account opening. Once processed, you will be able to seethe deposit in your accountthrough online or mobile banking.
How should I handle physical checks after they have been deposited?
Once your deposithas beenconfirmed,keep the check forseven calendar days.After that period andonce you have verified that thefunds have beencredited toyour account, the check can be shredded.
What if I enter the wrong dollar amount?
If you key in the wrong amount, you will receivean immediatemessage that relates—“Deposit Submitted With Status: Needs Review, Low Confidence on the Recognized Amount.” You will then need to resubmit the item with the correct amount.
What happens if I mistakenly deposit the same check twice?
Ifyou attempt to depositthe same checktwice,the system will automatically identify and reject the transaction.
If my check is rejected, how will I know and what are my options?
If your check is rejected youshould receive an immediate notificationfrom the app. For instance if the check is not properly endorsed you will receive the following notice (click thumbnail) and will be prompted to correctthe endorsem*ntbefore proceeding.If the problem persists, you may stillbe able to deposit the item —call Customer Support at978-573-1300 (during our normal business hours) or stop in at any of our branch locations.
FAQs
Fill in the amount and sign the back of the check with the restrictive endorsem*nt: "For Mobile Deposit Only North Shore Bank."
What is the endorsem*nt for mobile deposit at North Shore Bank? ›
Fill in the amount and sign the back of the check with the restrictive endorsem*nt: "For Mobile Deposit Only North Shore Bank."
How long does it take for a mobile deposit to go through? ›
If everything was done according to your bank's instructions, the funds may be available to you the same day or the next business day, depending on the bank's policies and time of deposit.
Can you mobile deposit a check with someone else's name on it? ›
You can deposit a check for someone else using a mobile bank app, but you'll need the person's account information. Typically, when making a mobile deposit, you have to log in to the bank account, take pictures of the front and back of the check, and indicate the amount being deposited.
How do banks verify mobile check deposits? ›
Bank Verification Steps:
Capturing front and back images of the check: Clear images are crucial for bank verification. Transmission to the bank via secure internet connection: Ensuring safe and encrypted transmission.
What should I write on my endorsem*nt for mobile deposit here? ›
How To Endorse a Check for Mobile Deposit
- Step 1: Double-check Endorsem*nt Details. ...
- Step 2: Sign the Back of the Check in the Endorsem*nt Area. ...
- Step 3: Add “For Mobile Deposit Only” Under Your Signature. ...
- Step 4: Use the Mobile App To Take Photos of the Check's Front and Back.
You can make deposits in a snap with your iPhone® or Android™ device. Due to a new banking regulation, all checks deposited via a mobile service must include: “For Mobile Deposit Only” handwritten below your signature in the endorsem*nt area on the back of the check or the deposit may be rejected.
How instant is mobile check deposit? ›
Your money is usually available within one business day, but it can take up to five business days. Every bank's policies differ on mobile check deposit timing. Some banks offer same-day or next-day mobile check deposits for a small fee.
How do I know if my mobile check deposit went through? ›
Once you've made your deposit, you'll get an email confirmation that we've received your deposit and are processing it. If there is any problem with the transaction, like insufficient funds or potential fraud, you'll receive a letter in the mail asking you to bring the check to a financial center to resolve the issue.
What happens if my mobile deposit doesn't go through? ›
You'll need to contact that financial institution for a more detailed explanation. Insufficient funds: The issuer of the check said the account doesn't have enough funds. Stop payment: There's a stop payment blocking the check from being honored.
Many popular banks such as Ally Bank, Axos, SoFi and PNC offer instant mobile deposit availability.
Can the bank tell you who cashed your check? ›
You probably will be able to tell how your check was processed, after the fact, by looking at your bank statement. Your bank is required to list every EFT transaction in your monthly bank statement, including the dollar amount, the date the transaction cleared, and the name of the recipient.
Can you take a picture of a check and deposit it? ›
Most banks allow mobile depositing of personal checks, business checks, cashier's checks, and government-issued checks. This includes tax refunds and stimulus checks. Usually, foreign checks, third-party checks, money orders, and traveler's checks are not allowed, but this varies slightly from bank to bank.
What happens if you try to mobile deposit a fake check? ›
Many people who deposit fake checks are unknowing victims. But depositing a fake or washed check, even if you didn't realize it, can have serious consequences: You may have to pay back the full amount of the check. In most cases, once a check is found to be fraudulent, the amount will be charged to your bank account.
What checks are not eligible for mobile deposit? ›
The following are not eligible for Mobile Deposit: international checks, U.S. savings bonds, U.S. postal money orders, remotely created checks (whether in paper form or electronically created), convenience checks (checks drawn against a line of credit), non-American Express traveler's checks, cash, checks that are ...
How do I endorse a check for mobile deposit banner bank? ›
How to make a mobile check deposit:
- Open the Mobile Banking app on your device.
- Tap on the Snapshot Check Deposit quick link at the top of the screen.
- Endorse the back of your check with your signature.
- Under your signature, write "Banner Bank Mobile Deposit"
- Choose your deposit account and enter the amount of your deposit.
If you write “for deposit only” on the back of a check made out to you and then sign your name, the check can only be deposited in your account. This is called a “restrictive indorsem*nt,” and it should prevent you or any other person from cashing the check.
What is the endorsem*nt for e trade mobile deposit? ›
Use the E*TRADE Mobile app to securely deposit checks directly into your account. Sign the back of the check and write "For electronic deposit" above your endorsem*nt on all Checks deposited through the Service.
