Mobile Deposit Capture allows customers a way to electronically deposit checks quickly and easily from a smartphone (iPhone® or Android™) into a deposit account.

F&M Mobile Deposit can accept most checks in their original form, payable directly to you. Only checks drawn on institutions located in the U.S. can be processed. Examples of types of checks that cannot be accepted via Mobile Deposit include checks made payable to any person or entity other than you, Money Orders and Traveler Checks. Please refer to F&M Mobile Deposit Capture Terms and Conditions for complete details.

You agree to restrictively endorse any checks transmitted through Mobile Deposit with the following (or as otherwise instructed by F&M):

Signed Endorsement – Names of all payees as written on the front of the check

“For Deposit Only” – should be included as part of the endorsement(s)

The daily cut-off time for electronic deposit is 4:00 PM ET on any business day. Business days are Monday through Friday, excluding state or federal holidays. This daily cut-off time is subject to change by F&M without notice to you.

Deposits sent using Mobile Deposit may be “submitted” any time of day, night, weekend, or holiday. However, deposits received by F&M after the daily cut-off time for electronic deposits will be deposited the next business day, provided that the deposit meets all requirements for acceptance and successful processing. Deposits submitted on holidays or weekends will also be deposited the next business day, provided the deposit meets all requirements for acceptance and successful processing.

Yes. F&M may establish limits on the number of checks and/or the total amount of checks deposited using Mobile Deposit. These limits may vary by customer and change from time to time without notice. You may not deposit more than $5,000 per check and not more than $5,000 per day. Items transmitted that exceed your limits may result in a rejection of the deposit.

Generally, if an image of an item you transmit through Mobile Deposit is received and accepted before F&M’s cut-off time for Mobile Deposit, F&M considers that business day to be the day of your deposit. Funds from deposits received, accepted, and successfully processed through the Mobile Deposit generally will be available for withdrawal the first business day after the day of your deposit. Successful processing of a check or item could be delayed due to bank review and verification procedures. F&M may apply additional delays on the availability of funds based on any other factors as determined by F&M in its sole discretion.

Once you have successfully deposited the check, mark the front of the check with the date of deposit and store the check in a secure location for 14 days. This prevents the check from being presented for deposit another time. You agree never to re-present to F&M or any other party a check or item that has been deposited through the Mobile Deposit. After 14 days, and after you have confirmed the deposited funds have been applied to your account correctly, you must destroy the check by shredding or other means.

All electronic deposits are subject to our verification procedures and we may refuse, limit or return deposits for any reason. If there is a change to your deposit status, F&M will contact you to let you know.

The software has an Image Quality Assessment (IQA) tool that automatically identifies problems with the check image. If a problem is detected, you’ll be asked to retake the photo.

• Flatten folded or crumbled checks before taking your photos
• Keep check within view finder on the camera screen. Only check visible, no other objects or edges
• Good Lighting
• Dark Background
• All four corners of the check are visible
• Focus is important. Being too close can make the image blurry.