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Mobile Deposit FAQs

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How should I endorse the check?

All checks must have a restrictive endorsement. Any check without this restrictive endorsement will be rejected until it is properly endorsed. This means your check must have your signature and the phrase "for mobile deposit at FNB Ames only." Example: 

Endorsement Example

When are my funds available?

Check deposits made using Mobile Deposit are subject to verification and will generally be available for withdrawal within one (1) business day.

You will receive the "Success!" message once a deposit is successfully submitted, but please note this does not mean your deposit has been accepted. Next, the check will be reviewed for readability, conformity to the Services Agreement, and to verify payee name and amount. Once a deposit is accepted or rejected, you will receive an email notification of this decision.

Deposits received on weekends, federal holidays and Monday through Friday after 5:00 p.m. central time are processed on the following business day.

All new accounts are subject to immediate deposit holds within the first 30 days of opening.

Are there limits for deposits made using Mobile Deposit?

You are not limited to the number of deposits you can make using Mobile Deposit. However, the default deposit limit is $2,500 per day. You can request a limit change by calling 515-232-5561. Limit changes are subject to review and approval.

What do I do with the paper check after the deposit is submitted?

Once your check image has been credited to your account, you must retain the check for 60 days.  You may not present the original check or any image or substitute check created from the original check for payment at any other financial institution.  During this 60 day period, you must store the original paper check securely and you must make the original paper check available to us for review at any time and as necessary for us to facilitate the clearing and collection process, to address third party claims, or for our own auditing purposes. The check should be securely destroyed and/or voided after the 60-day time period.

Who is eligible to use Mobile Deposit?

Mobile Deposit is available to Online Banking users who have a checking account and are in good standing with First National Bank. (First National Bank has the right to not approve, suspend or terminate the use of Mobile Deposit at any time and without prior notice.)

How do I deposit a check with Mobile Deposit?

If you haven't done so already, download and install the FNB Mobile App (click here to install). Once logged in to the app you should:

  • Endorse the check for deposit by signing the back of the check and writing "For mobile deposit at FNB Ames only.
  • Tap the "Check Deposit" tab at the bottom of your screen.
  • If this is your first time using Mobile Deposit, accept the Mobile Deposit Services Agreement to proceed.
  • In the "To" field, choose the deposit account (checking is the only account available at this time).
  • Enter the amount of the check.
  • Tap the "Front of Check" button and a snap photo of the front of the check by tapping the screen.  
  • Make sure the photo is readable, including the routing and account numbers at the bottom. Tap "Keep picture" if the photo looks good.
  • If you have not endorsed the check, you can do so now. Tap the "Back of Check" button and snap a photo of the back of the check.    
  • Make sure the photo is readable, including the endorsement. Tap "Keep picture" if the photo looks good.
  • Tap "Look at picture" to review your images to confirm they are readable.
  • Tap the blue "Deposit" button to complete the deposit.
  • The "Success!" screen will confirm if the deposit was received -- check your email to confirm if the deposit was accepted or rejected.

What type of mobile device do I need to use Mobile Deposit?

Use any iOS or Android enabled mobile device -- both smartphones and tablets. 

Who can I contact with additional questions?

In the “More” tab of the app, there is a “non-secure message” option which will generate an email to the bank, as well as an option to call us.

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