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Mobile Deposit - FAQ

Mobile Deposit – FAQ


What is Avenue Bank Mobile Deposit?

Avenue Bank Mobile Deposit is a convenient feature of the Avenue Bank Mobile App that allows you to deposit paper checks into your bank account using an Android, iPhone, or iPad device.

 

Will I need to do anything special to activate Mobile Deposit?

Update the Avenue Bank Mobile App from your app store.

 

What if I do not have the Avenue Bank Mobile App?

Download the Mobile App using the following instructions:

  1. Log into your Avenue Bank account from your computer or Smartphone by visiting www.avenuenashville.com.
  2. Go to the ‘User Services’ tab and choose the ‘Mobile Enrollment’ option from the ‘Manage Account’ box.
  3. Enroll your mobile phone and follow the activation instructions.
  4. Download the Avenue Bank app from your phone’s Market.

For a list of Mobile App FAQs, click here.

 

What devices are compatible with Mobile Deposit?

iPhone models 3G or newer with iOS 4.0 or higher.  Older iPhones and devices without a camera are not supported.

iPad 2nd generation and newer

Android phone models 2.1 or newer with a camera that supports auto focus.

 

How much does this service cost?

Mobile Deposit is a FREE complimentary service offered through Avenue’s Mobile App.  However, there may be charges associated with data usage on your phone.  Check with your wireless phone carrier for more information.

 

How do I make a deposit using Mobile Deposit?

  • Log in to the Avenue Bank Mobile App
  • Select ‘Check Deposit’ from the menu options.
  • On the Check Deposit Screen, select ‘Deposit’.
  • Place the check on a dark, flat, well-lit surface.
  • Select the camera icon labeled ‘Front’. Align the check image with the camera viewfinder frame, making sure to capture all four corners of the check, and tap the camera icon to take the picture.  Select the blue checkmark to accept the photo or the red refresh button to retake the photo.  Repeat this step for the back of the check.
  • In the ‘Amount’ field, enter the amount of the check.
  • Select the ‘Account’ field to select a deposit account.
  • Enter your email address to receive a receipt.
  • After all the required fields are completed, click ‘Continue’.
  • Read the Funds Availability policy and select ‘Continue’.
  • Select ‘Approve’ to submit the deposit.

 

What type of accounts may I deposit into with Mobile Deposit?

You may deposit into any active Avenue Bank checking, savings, or money market account that is linked to your Avenue Bank Online Banking account.

To add accounts log in to your online banking account and request the account adds through user services.

 

How do I properly endorse a check for Mobile Deposit?

Sign your name and write the last four digits of the account you are depositing to.

 

Why don’t I see the Deposit Check option in my app?

The Deposits icon is only visible to eligible clients.  If you meet all the eligibility requirements, please make sure you have the most recent version of the app.

 

Who is eligible to use Mobile Deposit?

Clients with personal or small business deposit accounts in good standing and a deposit relationship older than 30 days are eligible to use Mobile Deposit.

Commercial banking clients are not eligible for Mobile Deposit but may request setup of Remote Deposit Capture.

 

Is there a limit on the amount and/or number of checks I may deposit through Mobile Deposit?

The standard limit is $5,000 a day and 30 checks per rolling 30 days.  Your daily limit is displayed within the ‘Deposit Check’ section of Mobile Banking. ** Mobile Deposit is designed as a retail product and is not intended for high volume depositors. Depositors needing to make more than 30 deposits in a rolling 30 day period should contact the Treasury Management department for information on other product offerings.

 

What types of checks can be deposited through Mobile Deposit?

Personal checks or business checks drawn from a United States bank are accepted.

 

Items not acceptable include:

Savings Bonds

Traveler’s Checks

Foreign Checks

Checks made payable to cash

Checks dated six months prior to the date of deposit

Checks made payable to a person other than you, the account holder

Checks previously returned for stop payment or insufficient funds

 

Will my deposit be available immediately?

Successfully submitting your check image with your mobile device begins the deposit process.  However, the processing time to complete the deposit may vary.  Funds deposited before 4:30 pm, CST on a business day (every day except Saturday, Sunday, and federal holidays) are generally available for withdrawal on the first business day after the day of the deposit.  Funds deposited after 4:30 pm CST or on a non-business day, are considered as deposited on the following business day. 

A successful deposit will show up in your Deposit History as “Mobile Deposit” followed by the deposit amount.

 

What should I do with the check after I have deposited it with Mobile Deposit?

Once you have successfully submitted the deposit, keep the check in a safe place for 7 days. After 7 days, and after you have confirmed the deposited funds have been applied to your account correctly, you may shred the check and dispose of it accordingly.

 

I deposited money into the wrong account, what should I do?

Once the funds are available in the account you deposited into, you may transfer the funds to another account.  The funds are available immediately after the transfer is submitted.

 

I’m having a problem with Mobile Deposit, who should I call?

Contact your Avenue Banker or call 615.252.BANK (2265).

 

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