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Frequently Asked Questions

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Mobile Deposit

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

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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.

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To be eligible for Mobile Deposit, you'll need to meet the following requirements:

  • Active Online Banking profile
  • At least 90 days as a customer
  • No returned deposits or overdrafts within the last 90 days

Once you’ve met the eligibility criteria, follow these simple steps to start using Mobile Deposit through the Baker Boyer Mobile App:

1. An active Online Banking profile

Mobile Deposit is available exclusively to customers with an active Online Banking account. If you haven't enrolled yet or need help accessing your profile, we are here to help. Call us at (509) 525-2000 or head into one of our branches to get set up with online banking.

2. Enroll in Mobile Deposit

Enrollment in Mobile Deposit is required before you can begin using the feature. You can enroll in one of two ways:

      • Send a secure message through Online Banking using the "Conversations Feature".
      • Call us at (509) 525-2000, and a representative can enroll you over the phone.

3. Install the latest Baker Boyer Mobile App

Ensure that you have the most up-to-date version of our Mobile Banking App installed on your device. The app is available for download from both the Apple App Store and the Google Play Store. Regular updates help ensure you have the latest features and security enhancements.

4. Use a supported mobile operating system

To ensure the best performance and compatibility, your mobile device must be running a currently supported version of either Apple iOS or Android OS. Outdated systems may limit app functionality or prevent access to Mobile Deposit features.

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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.

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Please verify that your deposit was accepted and shows up in your account before discarding.

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Mobile Deposits are subject to verification and are typically processed the same business day. If the deposit is made after 4:30pm, it will be processed the next business day. Other reasons your deposits aren’t accessible right away may be due to failing verifications such as missing required endorsements or exceeding the deposit limit requirements.

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Consumer Mobile Deposit limits:

  • 10 checks per day; and 20 checks per month
  • $5,000 per day; and $10,000 per month
  • Deposits completed within these limits will receive immediate credit. Deposits exceeding these limits will be subject to verification.

Micro-Business Mobile Deposit limits:

  • 15 checks per day; and 60 checks per month
  • $5,000 per day; and $10,000 per month
  • Deposits completed within these limits will receive immediate credit. Deposits exceeding these limits will be subject to verification.

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Yes, please endorse your check. Additionally, you need to write "Baker Boyer Mobile Deposit" on the back of your check. Your mobile deposit won't be received unless both are included.

Image of the description of how to endorse your mobile deposit check

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You will be notified via email from info@bakerboyer.com that your mobile deposit has been declined. There will be instructions in the email with possible reasons why the deposit was declined and who to reach out to for assistance.

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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

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

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