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?
- Install or update Think's mobile app and log in.
- Select "Mobile Deposit."
- 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?
- Sign and endorse the back of your check with "For Mobile Deposit Only."
- Choose an account and enter the amount of your check.
- Take pictures of the front and back of your check.
- 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.