What Is Mobile Deposit? Frequently Asked Questions

Mobile Deposit Frequently Asked Questions

What is Mobile Deposit and how does it work?

Mobile Deposit allows you to deposit a single check to your checking or savings account by simply taking a picture of the front and back of the check with a camera-enabled smart phone.

What kind of mobile device will work for Mobile Deposit and what are the device requirements?

First Commonwealth Bank’s Mobile Deposit App will work on iPhone® and Android operating systems. The phone’s camera must have a resolution of 2 megapixels or higher and you must have a wireless data plan with your mobile device carrier.

How do I enroll for Mobile Deposit?

The process is simple! Click on Enroll Now and complete the required information. Then you can download the app from the designated market for your phone type – Apple iTunes store or Android Google Play. Once we process your enrollment form you will see a "Deposit" icon at the bottom of the Mobile Banking app.

Are there eligibility requirements to enroll in Mobile Deposit?

You must have an active checking or savings account which is in good standing and have had a relationship with First Commonwealth for at least 30 days prior to enrolling.

Is there a fee for Mobile Deposit?

There is no fee for Mobile Deposit.

Will I be charged by my mobile carrier for this service?

Your standard wireless carrier charges may apply.

Do I need to endorse the check I am depositing?

Yes, you are required to endorse the back of the check you are depositing with the words "For Mobile Deposit Only". You must sign the check within the endorsement area as well.

Is there a limit to the dollar amount that I can deposit using Mobile Deposit?

The maximum amount you can deposit in a single day is $2,500. The maximum dollar amount that can be deposited in any 30-day rolling period is $5,000. Deposits exceeding these thresholds will be adjusted or deleted the day they are submitted and an adjustment notice will be provided the following business day.

Do I need to bring the check into the bank after I submit it for deposit using the mobile deposit feature?

No, do not bring the check into the bank after you submit the deposit. We recommend you keep the check for 30 days or until you receive your monthly statement in the mail to confirm the deposit and then destroy it by shredding.

How quickly will the deposit show up in my account?

If you have a deposit account that was opened more than 90 days ago:
If your mobile deposit is completed prior to 7:45 p.m. EST on any business day, you will receive next business day credit on your account for the deposit. Your deposit will appear within online banking and mobile banking the next business day as well.

If you have a deposit account that was opened less than 90 days ago:
$110.00 will be made available on the 1st business day after the deposit is made (assuming the deposit was made prior to our 7:45 p.m. cutoff)
The remaining funds will be subject to a 3-day hold and will be made available on the morning of the 4th business day after the deposit is made.

Please note all deposits are subject to review and/or final approval by the Bank.

Can I make a deposit to my savings account?


Can I use Mobile Deposit with my business accounts?

Yes, this service is available for business accounts.

Can I use the same ID and password that I use for Online Banking?

Yes. Mobile Deposit is accessed through our Mobile Banking app. Just login to Mobile Banking with your current user id and password and then click on the "Deposit" icon

How can I view the checks I have deposited and how long are they available?

Deposited check images can be accessed via login on your Mobile Deposit app where they are encrypted and stored for 30 days.

Is it easy to take good pictures from a camera phone?

Camera phone users are generally familiar with their device and with taking a picture of a friend – or a check! The Mobile Deposit app has been designed to be simple for a user, but also robust enough to catch errors. After a user takes images of both the front and back of a check, the Mobile Deposit app will analyze the images for quality and will provide you with feedback almost immediately. You will be notified if the images have been submitted successfully and that the transaction is complete. Alternatively, we may request that you retake the picture because there was a problem reading the check. For example, the user may have not taken a picture of the entire check or there was poor lighting, etc.

Can I make a Mobile Deposit to different accounts?

Yes, during the enrollment process, you may enter up to 6 accounts to be available for use. During the image upload process, you will select the account to which you want to make your deposit.

How long does it take to upload a deposit?

This will depend on the speed of your connection. Wi-Fi transmission submit times are usually in the 5-10 second range. 3G network transmission times range from 10-30 seconds and pre-3G transmission times range from 30-90 seconds.

How secure is this service and will the check images be saved on my mobile device?

Mobile Deposit provides the following security measures: Login and login authorization, encryption of locally stored data, Secure Socket Layer (SSL) connection requirement, two-factor authentication (unique device signature). No check images are stored on the device.

Who should I call if I need help with mobile deposit?

For assistance, please call our Convenience Banking Center at 1-800-711-BANK (2265)
Monday – Friday, 7:00 a.m. – 10:00 p.m. and Saturday and Sunday, 8:00 a.m. – 6:00 p.m.

What if I want to add or delete an account?

To add or delete an account or to cancel the Mobile Deposit service, simply complete our online enrollment form with the appropriate information.

©2015 First Commonwealth Bank; 601 Philadelphia St., Indiana, PA 15701
Secure. Convenient. Mobile.
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