Frequently Asked Questions about Mobile Deposit
How does Mobile Deposit work?
If you have an iPhone® or Android™ smart phone, simply download the Franklin eBranch On The Go! app. Then, log in. Simply key in the amount of the deposit, and take a picture of the front and back of the check. That's all you need to do!
What types of checks can be processed through Mobile Deposit?
All personal and business U.S. checks can be processed through Mobile Deposit. Checks from Canada and other foreign countries, savings bonds and poor image quality checks must be deposited at your local Franklin Savings Bank.
How do I endorse my check?
Endorsements must be made on the back of the check. Your endorsement must include your signature and the wording “FOR MOBILE DEPOSIT ONLY.”
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.
When can I make mobile deposits to Franklin Savings Bank?
You can transmit mobile deposits to Franklin 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 posted into my account?
Funds deposited using mobile deposit before 3pm will generally be made available the following business day from the day of deposit.
What should I do with the original paper checks after deposits are made?
Original checks should be stored for a minimum of thirty (30) days prior to being destroyed.
How do I prevent checks from being scanned and deposited twice?
The software has built-in duplicate detection tools that detect items already captured. If the software detects potential duplicate checks, an alert prompts you to make a decision about the items in question. Also you must endorse the back of the check with "For Mobile Deposit Only" to prevent a duplicate deposit at a branch.
How do I know the image quality is acceptable?
The mobile deposit 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.