Mobile Deposit Help

Mobile Deposit is available on Android, iPad and iPhone devices that meet the following system requirements:
 

In order to function properly, devices should be of the following specifications.

  • •2 megapixel camera
  • •Android 4.3operating system and greater
  • •iOS 8 and greater
 
Note: Mobile Deposit is not supported on Android Tablet devices at this time.
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In most cases, funds deposited via Mobile Deposit will be available on the next business day after your deposit is made, however, longer delays may apply.
 
Funds Deposited using Mobile Deposit may be delayed for a longer period of time under the following circumstances:
  • if we believe a check you deposit will not be paid
  • when you deposit checks totaling more than $5,000 on any one (1) day
  • when you redeposit a check that has been returned unpaid
  • if there is an emergency (such as failure of communications or computer equipment).
 
We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.
 
Do not dispose of your check or attempt to process at another institution or through another channel (ATM or in-branch). You should hold onto your check until 30 days after the deposit has posted to your account and then destroy it.
 
 
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For your records, write MOBILE DEPOSIT and the date on the front of the check. The date should be the month, day and year of your deposit. It is recommended that you retain your paper check for 30 days to confirm the deposit was received.
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Your Mobile Deposit can be rejected for any of the following reasons:

  • The check must be signed (endorsed) by the person in which the check was made payable.
  • The client that is the payee (the person the check is made out to) must be an owner on the account in which it is being deposited.
  • “For Mobile Deposit Only at 1st Source Bank” must be written underneath your signature (endorsement) on the back of the check.
  • You may have too much border around the check image, the camera frame should fully contain the check.
  • Check image is too light to read.
  • The picture does not contain the entire check.

If you are unable to complete a deposit using the Mobile Banking App, please take the item to a 1st Source ATM that accepts deposits, visit a banking center or mail your deposit to: P.O. Box 1602, South Bend, IN 46634. We have a location in your area that has extended hours. See our website for locations and hours.

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There are a few common errors that may cause your check to be rejected:
 
  • Folded or torn corners
  • Front check image is not legible/clear
  • Amounts not matching
  • Routing and account numbers are unclear
  • No camera on the device
  • Poor image quality on the camera
  • Image is too dark
 
Use Mobile Deposit in a well-lit area to prevent shadows and poor image quality.
Keep your hands and other objects clear of the check while taking the picture.
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Storage - To know RAM available on device for App performance.

Your Location - This must be turned on for the Branch and ATM Locator to work.

Camera - For Mobile Deposit.

Contacts - To make Zelle® transactions direct from contact listing.

Notifications - The app asks the user if they want to turn on notifications when the user accesses Push Notifications for the first time. 

Phone Calls - To call Financial Institution direct from links on the App and detect for Onetime Passcode.

Network Communication - Transferring of data within the App activity.

System Tools - To have access to SD storage data in the event additional contacts are stored there.

Network Communication - To know if you’re on Wi-Fi/3G/4G for transferring data.

Your Account - To download the App and for the reporting purposes on the Developer Console.

Hardware Controls - For Remote Deposit Capture.

Your Personal Data - Access your Contacts for Zelle.
 
 
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An email is sent to your email address on record when the deposit has processed. Mobile deposits are reviewed and processed each business day. Checks deposited and approved before 6:00 PM will be processed the same day. Checks deposited or approved after 6:00 PM, on weekends, and on holidays will be processed by 6:00 PM the next business day. The funds from the deposit in most cases will be available on the next business day after your deposit is processed.
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Before you take a picture of your check click the “To Account” option and select the account you wish to make the deposit to. For first time Mobile Deposit users the automatically selected default is the very first account you see listed on your Online Banking homepage. For returning users, the default will be the most recent account you selected for Mobile Deposit.
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As a part of our check safeguard system, checks can only be deposited once. If you try to deposit the same check more than once with Mobile Deposit, it will be rejected. If you accidentally deposit the same check in a branch or ATM and through Mobile Deposit, our processing system will reject the duplicate check and we will notify you via email. If you write a check to someone else, the same system will ensure that your check is only deposited once in any channel.
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