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Mobile Deposit Q&A

Here are the answers to our frequently asked Mobile Deposit questions. If you have any further questions please contact Baker Boyer Bank at (509) 525-2000 or email us at info@bakerboyer.com.

Q:What do I need in order to use Mobile Deposit?
A:

To use Mobile Deposit, you must have the following:

  1.  An active Online Banking profile. If you need help setting up Online Banking, please call our Contact Center at (509) 525-2000 and a Personal Banker by Phone can assist you.
  2. Enroll in Mobile Deposit. You can enroll via Online Banking Secure Message or by calling us at (509) 525-2000.
  3. Install the current version of the Baker Boyer App, which is available for Apple and Android devices.
  4. A currently supported Apple or Android operating system.
Q:Who is eligible to use Mobile Deposit?
A:

Mobile Deposit is available to Baker Boyer Bank clients who meet the following requirements:

  • Enrolled in Online Banking
  • Must be a customer for at least 90 days
  • No returned deposited items within the last 90 days
  • Not overdrawn within the last 90 days
Q:May I enroll more than one account for Mobile Deposit?
A:

Yes. You may enroll as many checking accounts as you like for Mobile Deposit.

Q:Are there limits for deposits made through Mobile Deposit?
A:

Consumer Mobile Deposit limits:

  • 10 checks per day; and 20 checks per month
  • $2,500 per day; and $5,000 per month

Micro-Business Mobile Deposit limits:

  • 15 checks per day; and 60 checks per month
  • $2,500 per day; and $5,000 per month
Q:Do I need to use a deposit slip with Mobile Deposit?
A:

No. We will create an electronic deposit slip to post the deposit to your account. You will only need to take a picture of the front and back of the check being deposited.

Q:Should I endorse my check?
A:

Yes, please be sure to endorse your check. You must include a “For Mobile Deposit Only” endorsement on the back of your check.

Q:May I deposit multiple checks in a single deposit?
A:

You can only submit one check per deposit at a time. However, you may make additional deposits during the same mobile banking session by simply tapping New Deposit once you have confirmation that your previous deposit has been received.

Q:What type of checks can I not deposit with Mobile Deposit?
A:

Some business size checks (the long ones) do not work with Mobile Deposit.
The following examples are types of payments/checks which CANNOT be deposited through mobile deposit:

  • Any item that is stamped "non-negotiable," "void," or any other word or phrase indicating that the item is not valid
  • Any item that appears to contain altered information
  • Any item issued by a financial institution in a foreign country
  • Any item that is incomplete or contains incomplete information
  • Any item written off the deposit account
  • Any item that is post-dated or dated over six (6) months ago
  • Any Third- Party check (made payable to another party and then endorsed to you by that party)
  • Any item that has been previously negotiated or deposited into any account
Q:When will funds be made available to me from deposits made by Mobile Deposit?
A:

Mobile Deposits will generally be made available to you on the next business day when a deposit is made by 4:30 pm (PST). Any Mobile Deposit after 4:30 pm will be deposited in two business days. If you make a deposit after 4:30 pm on Friday through Sunday, those deposits will be deposited on the following Tuesday with the exception of bank holidays that fall on Monday. In that case, deposits will be made on the following Wednesday.

Q:Why do I not have access to my deposit directly after the deposit is made?
A:

Mobile Deposits are subject to verification and are processed within two business days.

Q:What do I do with the check after I deposit it through Mobile Deposit?
A:

Regularly review your deposit transactions online or in your Baker Boyer Mobile Banking app to determine when the check has posted to your account.

  • If your deposit cannot be posted for some reason, Baker Boyer may contact you to discuss why the deposit cannot be posted
  • Retain the check(s) for a minimum of 10 days after the deposit posts to your account. You should then securely destroy the check.