Mobile Deposit FAQs

What is Mobile Deposit?

Mobile Deposit is the ability to deposit checks via your mobile device using Town Center Bank’s Mobile Banking App from the iPhone App Store or the Android Google Play Store.

What are the Mobile Deposit limits?

You can deposit up to $5,000 per day on each account. If you attempt to initiate a deposit in excess of these limits, your deposit will be rejected. Deposit limits may vary and can be changed at Town Center Bank’s discretion.

Can I deposit to any account?

You may deposit to checking accounts on which you are an authorized owner/signer that are enrolled in Online Banking.

How do I access and enroll in Mobile Deposit?

For users who haven't downloaded the app, you must first download the Mobile App from the iPhone App Store or the Android Google Play Store. If you do not have an Online or Mobile Banking account please contact either of our branch locations at 815-806-7001 Frankfort or 815-463-7002 New Lenox to enroll.

How do I make a Mobile Deposit?

Select "Deposit Check" from the Transactions menu. Follow the prompts to select the account from the list to deposit to, amount of the deposit, and with the camera on your mobile device, take a picture of the front and back of the fully endorsed check. After submitting the deposit, the software will verify that the image is readable before sending the deposit to the Bank.

Do I need a deposit slip?

You do not need to use a deposit slip for Mobile Deposit; only the check is required.

Can I deposit multiple checks in one deposit?

No, each check will be a separate deposit. However, you can deposit multiple checks as long as the total does not exceed your Mobile Deposit limit.

How do I endorse my check for Mobile Deposit?

Checks can only be deposited into accounts that all Payees have ownership. Checks must be endorsed by all payees, as it is written on the payee line of the check. Two Payees with the word "and" must both endorse the check. Checks payable to a business or non-personal legal entity need to be endorsed with the entity name and deposited into an account that is titled the same. If a check is rejected by the Bank due to an improper endorsement, you will need to present the check for deposit at one of our branch locations. You cannot re-deposit a rejected check for improper endorsement through Mobile Deposit.

Why does it say "Retake Front" or "Retake Bank" after I take the picture?

This indicates you can retake the front or back of the check if needed. If you are satisfied with the pictures, scroll down and click Submit Deposit. 

How do I get the best image quality?

For overall clearer image quality, take a picture of the check against a dark-colored background in a well-lit area. Avoid shadowing parts of the check and hold your hands steady. Make sure the check lays flat and does not have any folded corners or wrinkles. Raise or lower your device to align the check corners in the brackets on the "Capture Image" screen. Turn off your device's auto-flash prior to launching the app. For clearer image quality on Android devices, tap the image to auto-focus prior to taking a picture. For clearer image on Apple devices, expand or minimize the image using your thumb and index finger prior to taking the picture.

How long will it take for my deposit to be accepted?

All deposits are verified prior to posting to your account for endorsement, image quality, and eligibility. Deposits are verified the same day if received before 4:00 PM ET on a business day or the next business day for deposits received after 4:00 PM ET.

When will the funds be available?

Funds availability depends on a number of factors, including the item deposited and your account status, but is the same as if the item was deposited at your local branch. See our Funds Availability Policy or contact Town Center Bank for more information.

What do I do with my check after making a Mobile Deposit?

Upon proper clearing of funds and confirmation of your deposit from the Bank, prominently mark the check as "Electronically Presented" and properly store the check to ensure that it is not presented again for payment. Retain all checks you have deposited through Mobile Deposit for at least 60 days. In the event that the image of your check cannot be processed, we may ask for the original item. Following the 60-day retention period, dispose of your check in a manner which will ensure the check will not be presented again, such as shredding (recommended).

Why don't I see the deposit online in my Total Memo Credits or Pending Items?

You will see Mobile Deposits reflected online in your account details and transactions history after it has been processed by the Bank.

How do I see what checks I deposited previously?

Mobile Deposit activity is viewable from the Activity Center on the Transactions menu or, in the Mobile App by going to the Transactions menu, clicking on Deposit Check, and then clicking to view the Activity tab.

Troubleshooting Mobile Deposit

Mobile Deposit says the amount of the check doesn't match what I've entered. I've double-checked the amount and it is correct. What is wrong?

Some printed checks contain lines, dots, or asterisks in the amount field, which may not be read correctly by the Mobile Deposit system. Please deposit the check at your local branch.

I receive an error that indicates poor image quality when submitting a picture of the back of the check.

Android devices don't auto-focus in Mobile Deposit. While capturing the check image on an Android device, lightly tap the middle of the screen to focus the check and then snap the picture. Even though the error says "poor quality on the back image", we recommend retaking the front image, too.

My deposit status has been displaying "Submitted" for a couple of days. When will the status change to "Accepted"?

The Mobile Deposit status will display Submitted until the Bank has reviewed your deposit for endorsement, image quality, and eligibility. After the review, the status will change to Accepted or Rejected.

Mobile Deposit tells me the deposit has been accepted, but the funds are not yet in my account. Why?

Deposits are reviewed for image quality and to ensure it meets our acceptability criteria before the items are posted to accounts. Deposits are typically processed into the system the same day the deposit is reviewed, but there may be a slight delay between these two steps. If a previously accepted deposit is rejected for any reason, Town Center Bank may contact you. If the funds are not deposited to your account after three business days from the date of the deposit, contact Town Center Bank at either of our branch locations 815-806-7001 Frankfort or 815-463-7002 New Lenox with the deposit date, deposit amount, depositing account number, and the Confirmation Code from the Deposit Check Activity screen.

I made a deposit 6 months ago and it is not showing in my Deposit Check History. Why?

History is limited to 30 days to help the Mobile App load more quickly. Deposits that have posted are listed in your Account History with a description of "Mobile Deposit".

The Mobile App keeps timing out when I am actively using it. Why?

For increased security, the Mobile App will time out after your session time has reached 30 minutes. If the Mobile App has timed out, you will be prompted to log in again.