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Frequently Asked Questions

How does Mobile Deposit work?

Mobile Deposit requires a smart phone and the use of the Federal Savings Bank Mobile App. Once you have signed into to Mobile Banking you will select the deposits icon that appears on your screen. From there you will key in the amount of the deposit, take a photo of the front and back of the check and submit. Within seconds of uploading the transaction you will receive a confirmation that the deposit was received successfully.

How secure is Mobile Deposit?

Mobile Deposit is very secure, it features multiple layers of security, giving your account and check data the highest level of safety available.

What types of checks can be deposited through Mobile Deposit?

We can accept checks payable to you or to you and another account owner drawn on a U.S. bank. We can’t accept checks payable to a non-account owner, traveler cheques, foreign checks, substitute checks, savings bonds, returned checks, posted dated checks, state dated checks, or checks with poor image quality.

How do I endorse my check for Mobile Deposit?

Checks should be endorsed by all parties of the check and can only be deposited if the payee is an account holder. You are required to include “For Mobile Deposit Only” as part of your endorsement.

When can I make a mobile deposit to Federal Savings Bank?

You can transmit mobile deposits to Federal Savings Bank 24-hours a day, 7 days a week including weekends and holidays, with the exception of our routine maintenance downtime.

When will deposits be credited to my account?

Deposits received before 5:00 pm ET on a business* day will be considered to be deposited that same day. Deposits received after 5:00 pm ET or on a weekend or holiday will be considered as deposited the next business* day. Please note: All deposits are subject to verification and can be adjusted upon review.

What is considered a business day?

A business day is any day other than a Saturday, Sunday or federally declared holiday.

Can I deposit a check for any amount?

You can deposit up to $2,500 per business* day for an established account. Accounts opened for less than 60 days will have a $1,000 per business* day limit. (If the account has had no overdraft activity for the first 60 days of account opening the limit will automatically be increased to $2,500). Deposits made after 5:00 pm ET on Friday, over the weekend or on a holiday are combined with the deposits for the next business day and limited to the $2,500 daily limit.

How many checks can I deposit?

You can make as many deposits as you would like per business day but you can’t exceed the dollar amount of your daily limit.

What should I do with the original paper check after the deposit has been made?

Once you see the deposit has been credited to your account you should shred the check. Please note that you will have access to any check you deposit through your deposit history for 45 days. .

What type of account can I deposit to?

Currently you can only make a deposit to checking accounts.