Mobile Deposit FAQ

What is Mobile Deposit?

Mobile Deposit enables you to deposit checks quickly and easily with your smart phone or tablet.

What do I need to use Mobile Deposit?

To use Mobile Deposit, you must have a Think checking or savings account, use Online Banking, and have Think's mobile app installed on your smart phone or tablet.

What does it cost to use Mobile Deposit?

There is no cost to use Mobile Deposit!

How do I enroll?

  1. Install or update Think's mobile app and log in.
  2. Select "Mobile Deposit."
  3. You'll be asked for some basic information to enroll. Read and accept the Mobile Deposit User Agreement. (Enrollment may take up to two business days)

How do I make a Mobile Deposit?

  1. Sign and endorse the back of your check with "For Mobile Deposit Only."
  2. Choose an account and enter the amount of your check.
  3. Take pictures of the front and back of your check.
  4. Submit the check for deposit.

Do I need to sign the back of my check?

Yes, please sign the back of your check and write "For Mobile Deposit Only."

When will the funds I deposit be available?

Funds from mobile deposits accepted by 6:00 pm central time Monday - Friday will be available by the end of the next business day. Exceptions may occur. Business days exclude weekends and federal holidays.

Is Mobile Deposit secure?

Yes, Mobile Deposit utilizes the same 128-bit encryption technology to safeguard your data as Online Banking. Also, Mobile Deposit does not store account information or images of checks on your mobile device.

Why am I unable to deposit my check?

There are a few reasons that checks may not be able to be deposited:

  • Image of the check is too dark
  • Folded or torn corners
  • Amount entered does not match the amount read by the scanning software
  • Routing and account numbers are unclear

Helpful tips for Mobile Deposit:

  • Make sure you have good lighting.
  • Smooth out corners and folds on checks.
  • Place the check on a dark background.
  • Keep hands clear of the check while taking the pictures.
  • Please keep checks until you can verify they've been deposited into your account via Online Banking.
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Insurance products are offered through Think Insurance (MN license # IA-538), not Think Mutual Bank. Insurance products are not FDIC insured, are not insured by any federal agency, and are not a deposit or guarantee of Think Mutual Bank. This is not a policy. For a complete statement of coverages and exclusions, please see the policy contract.

The Investment Professionals of Think Financial Planning are Registered Representatives and Investment Adviser Representatives with/and offer Securities and Advisory Services through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered by CES Insurance Agency. Investments are not FDIC insured, not bank guaranteed, not insured by any federal agency and may lose value. Check the background of this firm on FINRA's BrokerCheck. Think Financial Planning is headquartered at 5200 Members Pkwy NW, Rochester, MN 55901.

This information is provided for new customers who live or work in Minnesota, and for existing customers residing in the states of AR, AZ, CA, CO, FL, GA, IL, IN, IA, KS, KY, MA, MD, MI, MN, MO, MT, NE, NM, NV, NY, ND, NC, OH, PA, SD, TN, TX, UT, VA, WA, WI, WY. No offers may be made or accepted from any resident outside of these states due to various state regulations and registration requirements regarding investment products and services.