Mobile Deposit

With our Mobile Banking app, you can take a picture of the front and back of your check to deposit your iPhone® or Android™ smartphone or tablet. You can only access this feature by downloading the Academy Bank mobile app.

Which devices or phones currently allow mobile check deposit?
You can make a mobile check deposit if your iPhone® or Android™ device meets the following criteria:

iOS 4.0 and above or Android™ OS 2.1 and above
All devices require a camera.
The minimum image resolution requirement is 1600 pixels x 1200 pixels. This means the device camera spec must be a minimum of 2mp. While images with lower resolution may pass the image quality verification, they may also be rejected more often.
Android™ devices must also have autofocus.

BlackBerry smartphones are not currently supported. What is the cut-off time for mobile check deposit?

7:00 p.m. CT, Monday through Friday, is the deposit cut-off time. If submitted after 7:00 p.m. or on a non-business day or holiday, your deposit will be processed the following business day. All deposits are subject to verification and are not available for immediate withdrawal. There may be deposit limits and restrictions that apply.

What check types are accepted with mobile check deposit?
Our mobile check deposit accepts the following types of checks:

Personal and business checks
Cashier's checks
Government/Treasury checks
Checks must come from a U.S. bank and be in U.S. dollars.

We cannot accept checks made payable to a third party. Please only submit checks that have been made payable to you.

How do I make a deposit using the mobile app?

Log in to Mobile Banking. Click on Deposit a Check within the mobile app. Then select the account and the amount to deposit, and then follow the onscreen instructions to take a picture of the front and back of your check.

Please note that mobile deposits must be endorsed with the following information:

'For Academy Bank Mobile Deposit'
Account Number
Name

Is mobile check deposit safe and secure?

Yes, mobile check deposit offers the same level of security you have with Online Banking on your desktop. The images of your checks are never stored on your mobile phone for added protection.

When will my mobile check deposit funds be available?

The funds availability schedule you received upon account opening (or that we otherwise have made available to you) will generally apply to mobile check deposits. However, in our sole discretion, we may delay funds availability from any mobile check deposit. If we delay funds availability from your deposit, we will notify you by email at the email address you use for Online Banking. You can update your email address anytime by logging into Online or Mobile Banking and going to Settings > Security Preferences or Settings > Alerts to manage your account's email address(es).

Are there any fees for mobile check deposit?

You can deposit checks for free anytime, anywhere using our Mobile Banking app on your phone or tablet. However, message and data rates charged by your mobile phone carrier may apply.