Mobile Deposit FAQs
What is Mobile Deposit?
How do I know if I am eligible for Mobile Deposit?
How do I make a deposit using Mobile Deposit?
- Properly endorse the back of the check.
- Sign the check.
- Write “For Centris mobile deposit only” under your signature.
- Login to the Centris mobile app.
- Select Mobile Deposit from the menu.
- Select the appropriate savings or checking account that you wish to deposit the check.
- Enter the amount of the check.
- Capture a photo of the front of the check.
- Capture a photo of the back of the check.
- Submit: “Check deposited successfully” will display.
When will the mobile deposit be credited to my account?
Deposits will generally be available within 15 minutes, 7 days a week. Please be aware, there may be instances where the deposit will require additional review. If additional review is required, here is when you can expect to see the deposit in your account:
- Deposits made before 4:30pm M-F will generally be available the same day.
- Deposits made after 4:30pm M-F will generally be available the next business day by 11am.
- Deposits made after 4:30pm Friday through Sunday will generally be available Monday at 11am.
Please note, in certain situations, an extended hold will be applied to your check. If a hold is applied to your check , those funds are reflected in your account but are not immediately available for use. Common reasons include:
- Large deposit amount
- Frequent overdrafts
- Suspected fraud
- Indications a deposited check may not be paid
If an extended hold is applied, you’ll receive an email after the check is reviewed. You’ll know that your deposit is available once that amount is reflected in the available balance of the account you selected to receive the deposit.
Are there any limits to the quantity of checks or the dollar amount of checks deposited?
How long must I keep the original check once I deposit it through mobile deposit?
Is it safe to use this service?
What happens if I lose my phone?
Is there a fee to use Mobile Deposit?
What devices can I use to deposit checks?
What types of accounts accept Mobile Deposits?
What types of checks are not eligible for mobile deposit?
Example of checks not eligible for Mobile Deposit:
- Travelers Checks
- Checks payable to anyone other than you or joint owners of the account
- Replacement checks or checks that have been previously returned NSF
- Altered checks
- Checks that require verification or an access code to negotiate
How do I view my Mobile Deposit history?
- Login to Centris online banking or mobile app.
- Select Online Activity from the menu.
- Select the Mobile Deposit
- A listing and status of your scanned mobile deposits will be displayed.
If I have questions or encounter a problem, where can I go to receive help?
What are some tips for taking a good photo of my check?
- Before taking a picture of the check, review the check to ensure all check information is clearly visible on the check in dark ink: amount, payee, signature of the check issuer, date, check number, MICR line, routing, and transit numbers.
- Smooth out the check so that it is free of wrinkles or curved-up edges
- Place check on a dark flat surface
- Hold the phone directly over the check – this will avoid blurred areas common with photos taken at an angle
- Take the photo in a well-lit area, preferably without the use of flash