Frequently Asked Questions
Items that can be deposited
Checks made payable to the account owner or joint owners that have been properly endorsed with “for mobile deposit only” and the owner’s signature(s).
Items that cannot be deposited
- No checks that have been deposited previously at BankORION or any other Financial Institution
- No checks payable to a business or business entity
- No Bonds
- No returned or re-deposited items
- No altered checks
- No post-dated or stale-dated checks
- No foreign checks
- No 3rd party checks
- No rebate checks
- No remotely created checks
*this list should not be considered all-inclusive as it may be changed at any time at the bank’s discretion.
All deposits are subject to verification and can be adjusted upon review. Please keep your paper check for thirty (30) days after the funds are posted to your account.
Cutoff time for submitting deposits Monday – Friday is 3:00 p.m. CST
Convenience fee charged of .50 per item deposited.
BankORION Mobile Deposit is subject to Online Banking Terms and Conditions.
Message and data rates may apply. Please check with your communications service provider for access rates, texting charges, and other applicable fees.
Q. What is Mobile Check Deposit?
Mobile check deposit is a feature of the BankORION mobile app that allows you to make check deposits using your iPhone or Android smart phone to a consumer account.
Q. What accounts can deposits be made to using BankORION Mobile Deposit?
Consumers may make deposits to their personal checking and savings accounts only.
Q. Is there a fee for BankORION mobile deposit?
Yes, there is a .50 per item convenience fee. Wireless service provider charges may apply also.
Q. Can I make deposits to a loan account to make a payment?
No. You cannot make deposits to loan accounts. Deposits can only be made to a personal checking or savings account. Once the deposited funds become available, you can then transfer the money to a loan account to make a payment.
Q. How do I deposit a check using Banking Mobile Deposit?
With mobile deposit, you can deposit a check using an Apple iPhone running iOS 5.0 or later and an Android smartphone running OS 2.3 or later. In addition, you’ll need a wireless internet connection.
Q. Do mobile deposited checks need to be signed?
Yes, endorse or sign the check with your signature(s) and “for mobile deposit only”. Without proper endorsement, your check will be rejected.
Q. When does a mobile deposit post and funds become available?
On weekdays (excluding holidays), the cutoff time for same business day posting is 3:00 p.m. CST. Deposits made after the
3:00 p.m. CST cutoff will be posted the next business day. Deposits received after 3:00 p.m. CST on Friday, Saturday, Sunday, or any holiday will be posted the next business day.
*Longer holds may apply in certain situations.
Q. How can I be sure the deposit image is accepted?
For best results, ensure the image of your check is inside the four corners of the box, the information on the back is legible and properly endorsed, and it is properly zoomed in or out as necessary.
*An Android phone may require the user to hold the camera higher over the check but still within the four corners of the grid in order to zoom out on the image. The software will not accept an image that is too small.
Q. Can I deposit more than one check at a time?
Each check is deposited individually and requires its own photo of the front and back. A daily aggregate limit will apply.
Q. How do I know if my mobile deposit was accepted?
Check your “deposits” tab to review “deposit history”. You will be able to see pending, failed, and accepted deposits. A text message will be received also.
Q. Where do I find my deposit history?
The deposit history can be found under “deposits” on the mobile menu.
Q. Can a deposit be cancelled once it’s submitted through BankORION mobile deposit?
No. Once a deposit is submitted, it will begin going through the deposit process.
Q. What do I do if a check failed to deposit?
If you can’t get a check to deposit by the mobile application after multiple attempts, present the item for deposit to any of our convenient locations. An additional hold on funds may be applicable.
Q. How long will my check image be available through “view deposit history”?
Check images will be available for 90 days for those checks deposited through mobile deposit.