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Mobile Deposit

Mobile Deposit Hero

Deposit checks in a snap!

Tips for Taking Check Photos
Help ensure mobile deposit success by following these simple tips when taking photos of your check.
Photo Tips
Step-by-Step Instructions
Let us walk you through each step of making a mobile deposit.
Make A Deposit
Reminders
Here are a couple things you need to know after depositing your check.
Go to Reminders

Activating Mobile Deposit

You got the app. Now you're ready to start making deposits.

Log in to mobile or online banking. Under Services, go to Mobile Deposit Enroll and click “I Accept.” The Deposit Check feature will show in the mobile banking app’s menu under Transactions and in the More menu in the upper right corner of the app’s home screen.

Tips for Taking Check Photos

  • Make sure the back of your check is endorsed with your signature and the phrase “For Mobile Deposit.” If the endorsement area contains a checkbox regarding mobile deposit, check the box and fill in the date in addition to providing your signature.
  • The background surface must be a dark, consistent color without any patterns or obvious texture (i.e. marble countertops or wood grain tables.) If your background is not a solid contrasting color to the check, place a sheet of dark paper or another dark item behind the check.
  • The check should be as flat as possible with no damage or folds.
  • Make sure lighting is optimal without any shadowing.
  • Do not use flash.
  • Hold the camera parallel to the surface and align the edges of the check inside the guidelines on the screen.
  • Take the clearest photo possible of both the front and back of your check.
  • Checks with special security features such as holograms may not process.
  • If you do not have access to a solid contrasting background surface, you may place a small dot in each corner of the check (about the size of a pencil eraser) to aid in processing the image. 
Mobile Deposit Check Photos

How To: Using Mobile Deposit


After logging in to Mobile Banking:

  1. Select Menu > Transactions > Deposit Check or More > Deposit a Check.
  2. Fill in the account you wish to deposit to, and the amount of the check.
  3. Tap the “Front of Check” button. Line up the check within the box and take the photo. Review the image and select Use Image if it is acceptable, or Retake if you need to take a new photo.
  4. Tap the “Back of Check” button. Line up the check within the box and take the photo. Review the image and select Use Image if it is acceptable, or Retake if you need to take a new photo. Note: The back of the check must be endorsed with the phrase “For Mobile Deposit” below your signature. If the endorsement area contains a checkbox regarding mobile deposit, check the box and fill in the date in addition to providing your signature.
  5. Upon successfully submitting your check deposit, you will receive a message that says “Deposit Processing.” You will also receive an email informing you that the deposit has been received. Upon review and approval by BankWest, you will receive a second email confirming that the deposit has been approved.
  6. The following business day, confirm that your deposit has posted by using the Activity button in Mobile Deposit. This button will display a list of checks you’ve deposited through Mobile Deposit.
Submitting a Mobile Deposit

Things to Remember

Funds Availability

Items deposited by 12:00 p.m. CT Monday through Friday will generally be available on the same banking day. Items received after 12:00 p.m. CT on any banking day, on weekends, or on federal holidays will be available no later than the next banking day.

Handling of Deposited Paper Checks

After confirming your check deposit was processed, please retain your deposited check for 60 days and then securely destroy it. This allows you to retrieve the check if there is any issue with the deposit or if you need to pull information from the check for any reason.

Get the App!

BankWest's Mobile Banking app is available on the App Store and Google Play.

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