Mobile Deposit

How Mobile Deposit Works

• On the back of each check, sign your name and write “For Mobile Deposit Only” (or if available, check the box that reads: “Check here if mobile deposit”).
• Log into Mobile Banking using your mobile device.
• Select Deposits at the bottom of the app.
• Select Deposit Check.
• Select the account you wish to deposit into.
• Enter the check amount you are depositing.
• Take a photo of the front and back of your check.
• Click Next.
• Confirm your deposit details and tap Yes or No.

Mobile Deposit Tips 

• Endorse the back of the check and include “For Mobile Deposit Only” below your signature (or if available, check the box that reads: “Check here if mobile deposit”). 
• Make sure the check amount entered matches the actual check amount.
• Take the photos of your check in a well-lit area.
• Ensure the check is not damaged or wrinkled.
• When taking a photo of the check, be sure all four corners are visible.
• Place the check on a flat, dark surface with sufficient lighting when taking photos.
• Funds will generally be available for withdrawal one to three (1-3) business days from the day of the deposit. 

Mobile Deposit FAQ

What do I need to use Mobile Deposits?

To use Mobile Deposits, you’ll need the following:

• To be enrolled in Online and Mobile Banking
• To download the Pickens Savings & Loan Mobile App from your app store

• Have a checking account

Why did my check get rejected?

Your check could have been rejected for several reasons including:

• Your check exceeded the daily limit of $1,500.
• Your check was not endorsed.
• Your check image was not clear.
• Your check was a duplicate deposit.

What are Mobile Deposits?

With Pickens Savings and Loan Mobile Deposits, you can make a secure deposit into your checking account using the Pickens Savings & Loan Mobile App from your smartphone.

How do I know my deposit was received?

At any time, you can see the status of the deposit by selecting Deposits and then View Deposit History. Once your deposit is accepted, it will turn green within Deposit History. Funds deposited through Mobile Deposits will generally be available for withdrawal one to three (1-3) business days from the day of the deposit.

Do I have to endorse my check before I deposit through Mobile Deposits?

Yes. You will need to include on the back of each check your signature and include “For Mobile Deposit Only” (or if available, check the box that reads: “Check here if mobile deposit”). Please make no other alterations to the check.

What types of checks can I deposit through Mobile Deposits?

You can deposit checks payable in U.S. dollars and drawn at any U.S. bank, including personal and business checks. The check must also be payable to, and endorsed by, the account holder.

What types of checks can I not deposit through Mobile Deposits?

• Checks payable to any person or entity other than the person or entity that owns the account into which the check is being deposited.
• Checks payable jointly, unless deposited into an account in the name of all payees.
• Checks containing an alteration on the front of the check, or which you know or suspect are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn.
• Checks drawn on a financial institution located outside the U.S.
• Checks not payable in U.S. currency.
• Checks dated more than six (6) months prior to the date of deposit.
• Checks that have previously been submitted through Mobile Deposits or through a remote deposit capture service offered at Pickens Savings and Loan or any other financial institution.
• Checks or items that are drawn or otherwise issued by the U.S. Treasury Department.
• Checks drawn on a home equity line of credit, or other convenience checks.
• Traveler’s checks, money orders, or savings bonds.
• Checks without a check number in the MICR line at the bottom of the check.
• Checks without an account number in the MICR line. (Example: counter checks)
• Checks encoded with a dollar amount.
• Checks with writing or printing that obscures any part of the MICR line.

When will my deposit be available if I use Mobile Deposits?

Funds deposited through Mobile Deposits will generally be available for withdrawal one to three (1-3) business days from the day of the deposit. However, funds may not be made available to you for longer periods of time under certain circumstances. Deposits are subject to limits, verification and other restrictions, as outlined in the Pickens Savings and Loan’s Mobile Banking Agreement.

How will I know if there’s a problem with my mobile deposit after I submit it?

At any time, you can see the status of your Mobile Deposits by selecting Deposits and then Deposit History within your Pickens Savings & Loan Mobile App. If your check is rejected you will be notified by email from mdeposits@pickens.bank to the email address associated with your Online Banking account or by a phone call from our Customer Service Department.

What should I do with my paper check after I deposit it using Mobile Deposits?

Securely store your check for 14 calendar days after your deposit (this allows sufficient time in case the original check is required for any reason). After 14 calendar days, destroy or shred the check.

Are there any fees for using Mobile Deposits?

There are no fees to use Pickens Savings and Loan Mobile Deposits. Please check with your wireless provider about carrier and web access charges.

Is there a limit to how much I can deposit through Mobile Deposits?

Mobile Deposits are limited to a total of $1,500 per day. Deposit limits are subject to change from time to time and may vary depending on account type. 

How many checks can I deposit at one time with Mobile Deposit?

There is no limit on the number of checks you may deposit, as long as you have not exceeded your daily total deposit amount.

How secure is Mobile Deposits?

Your scanned check is transmitted securely through the Pickens Savings & Loan Mobile App. It is encrypted and pictures are never stored on your mobile device. 

I’ve received the error “Sorry, we can’t read that check”. What can I do to fix the issue?

•  Ensure that the image of the check is clear.
• Ensure all four corners are inside the guide markers.
• Have good lighting with no shadows covering the check.
• If the check is wrinkled, make sure to flatten it before taking a picture.
• Ensure there is good contrast between the check and the background surface.

What should I do if I continue to receive the same error?

Take your check to our branch location at 205 E Cedar Rock Street, Pickens, SC 29671 to make your deposit. Our Customer Service Team will be happy to assist you.