Frequently Asked Questions during Registration


Q:  What are the qualifications to have Mobile Check Deposit?

A:  You must have an FNB deposit account opened for at least 90 days and your account must be in good standing.  You must also have an iPhone or Android phone with First National Bank’s mobile app installed, a camera in your phone, and an internet connection.

Q:  How do I enroll for Mobile Deposit?

A:  Either go to our website and go to Quick Links, print the Mobile Check Deposit Application and return to any one of our branches.  Or, go to any FNB location and ask for a Mobile Check Deposit Application.  FNB staff will review your application and will generally take 1-2 business days for approval.  Someone will then contact you at the number or email address you provided on the application with instructions of use.

Q:  What types of checks can be deposited?

A:  You may deposit single party domestic checks made payable to the owner(s) on the account.  You may NOT deposit third party checks, substitute checks, returned checks, incomplete checks, non-negotiable items, foreign checks, stale-dated checks, checks on which you suspect fraud, or altered checks.

Q:  How much can I deposit each day?

A:  Our standard deposit limits will allow you up to $2,500.00 per day.  Each check must be deposited separately.

Q:  How should I endorse my checks?

A:  Checks must include on the back “FOR MOBILE DEPOSIT ONLY”, endorse and date the check.  Failing to do so will result in a denied check image deposit.  Customers will be notified via email or mobile number provided on the completed Mobile Check Deposit Application for any check that is denied.

Q:  How will I know that my deposit has been received?

A:  Acknowledgment that your Check image deposit has been received by FNB does not mean that the check image deposit has been accepted.  Users should view the deposit history on your mobile application to view the status of your deposit.  Once accepted, the deposit will be processed thru the normal banking channels.  If there is a problem with the deposit during processing, the customer will be notified of the issue.  Users must check their account history to confirm the check has posted to their account.  FNB will not send a receipt or notify you that the deposit has been posted.

Q:  What do I do with the check once it has been deposited through Mobile Deposit?

A:  Please retain your check in a safe place for 45 business days after you see the check has been deposited into your account.  This is to assure that you have the check until it as gone through the check collection system.  Please dispose of the check securely, we recommend shredding.

Q:  When will funds be available to me after my deposit has been made via Mobile Deposit?

A:  Scanning and submitting check image deposit does not constitute receipt of the deposit by FNB.  Generally, check image deposits received prior to 3:30 p.m., Central Time are processed on the Business Day of receipt.  Any check image received after this time or on Saturdays, Sundays and holidays when FNB is closed will be processed on FNB’s next business day.

Q:  What are the fees for Mobile Deposit?

A:  There are no fees for our Mobile Deposit service at this time.