Mobile Deposit FAQ's
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What is Mobile Deposit?
Mobile Deposit is a service offered through The Bank of Delmarva’s Mobile Banking App allowing customers to remotely deposit checks by taking pictures of the front and back of the check. The check is then uploaded for deposit to the customer’s designated deposit account.
What mobile devices will I need to use this feature?
Mobile Deposit is currently supported by both iPhone and Android smart phones, as well as iPad tablets.
How much can I deposit with Mobile Deposit?
Mobile Deposits are limited in amount to $1,000 per day, up to $5,000 for a thirty day period.
Is there a fee for using Mobile Deposit?
Not at this time. A fee may be charged for the Mobile Deposit service, and will be disclosed in our Schedule of Fees in effect from time to time. You are responsible for paying such fees. Any fee that is charged will be disclosed prior to your use of Mobile Deposit. We may change the fees for use of Mobile Deposit at any time. You authorize The Bank of Delmarva to deduct any such fees from any of your accounts. If any payment for such fees is returned unpaid, you authorize us to collect a fee as stated in our Schedule of Fees.
Who is eligible for Mobile Deposit?
To use The Bank of Delmarva’s Mobile Deposit, you must be a customer of The Bank of Delmarva for at least 30 days, actively utilize The Bank of Delmarva’s Online Banking system in connection with a checking or savings account and your account(s) must be in good standing. Not available for all accounts, certain restrictions apply.
How will I know if my Mobile Deposit check was received by The Bank of Delmarva?
When we receive an image, we will confirm receipt via email to you. Confirmation does not mean that the image contains no errors. We are not responsible for any image that we do not receive. Following receipt, we may process the image by preparing a “substitute check” or clearing the item as an image. We reserve the right, at our sole and absolute discretion and for reasonable cause, to reject any image for deposit into your account. We will notify you of rejected images by email. We further reserve the right to charge back to your account at any time any image that you transmit through Mobile Deposit that we subsequently determine was not an eligible item. You agree that we are not liable for any loss, costs, or fees you may incur as a result of our charge back of an ineligible item.
How long should I keep my original check after uploading it using Mobile Deposit?
After you receive confirmation that we have received an image, you must securely store the original check for 30 days after transmission to us and make the original check accessible to us at our request (or for a longer period as directed by us if the check is the subject of any dispute). Upon our request from time to time, you will deliver to us within 10 days, at your expense, the requested original check in your possession. If not provided in a timely manner, you agree that any amount previously credited to your account may be debited from your accounts.
When will my deposited funds become available?
Images that you transmit through Mobile Deposit that are received and accepted before 4:00 p.m. Eastern Time on a business day that we are open will be credited to your account the same day. Deposits confirmed received after 4:00 PM and deposits confirmed received on holidays or days that are not our business days will be credited to your account on the following business day. We may delay availability based on such factors as the length and extent of your relationship with us, transaction and experience information, and such other factors as we determine, in our sole discretion. In the event that we close early due to circumstances beyond our control, any deposit(s) received and accepted prior to the early closing time or end of business will be credited to your account the same day. Deposits confirmed received after early closing time or end of business will be credited to your account on the following business day.
What can I do to ensure that my check images are accepted by Mobile Deposit?
Make sure that all four corners of the check are contained in the check image. Proper lighting and placing the check on a dark or contrasting background will help ensure that the check will stand out in the image. Properly endorse the back of the check. Finally, taking a crisp picture without blurriness will help ensure that your Mobile Deposit will be accepted.