Mobile Deposit

Getting started

To use Mobile Deposit, you will need a Think checking or savings account, Think Online, and have the Think Online app installed on your smart phone or tablet. There is no cost to use Mobile Deposit!


Log into the app, then open the menu and select "Deposit Check." Select which accounts you’d like to deposit into and begin your Mobile Deposit activation. Enrollment will be completed within two business days.

Making a deposit

Select "Deposit Check" from the main menu to begin the process.

Enter the amount listed on the check and continue to select which account you'd like to deposit it into. You're also able to view your deposit limits here.

Please sign the back of your check and write "For Mobile Deposit Only." Then tap the screen to take pictures of the check and make your deposit.

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.


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

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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 financial advisors of Think Financial Planning offer securities and advisory services through Commonwealth Financial Network®, member FINRA/SIPC, a Registered Investment Adviser. Investments are not insured by the FDIC and are not deposits or other obligations of, or guaranteed by, any depository institution. Funds are subject to investment risks, including possible loss of principal investment. Think Mutual Bank is not a registered broker-dealer or Registered Investment Adviser. Think Mutual Bank and Commonwealth are separate and unaffiliated entities. Fixed insurance products and services offered by CES Insurance Agency, Think Insurance, or Think Financial Planning. Think Financial Planning is headquartered at 5200 Members Pkwy NW, Rochester, MN 55901. Check the background of this firm on FINRA's BrokerCheck.

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, IL, IN, IA, KS, KY, MA, MD, MI, MN, MO, MT, 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.