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Depositing a check on your mobile phone

The Franklin eBranch On The Go! app is available FREE for iPhone®, iPad®, and Android® devices from the iTunes App Store or Google Play.

Are you ready to deposit a check on your mobile device?

Here are some tips
Jump to Frequently Asked Questions

  • Before using into the mobile deposit function on your app, close all other apps running in the background on your mobile phone.
  • Sign to endorse the back of your check, and label it “For Mobile Deposit Only.”
  • When prompted for the amount, carefully enter the check amount to ensure it matches the amount written on your check.
  • Flatten folded or crumpled checks before taking your photos.
  • Choose a well-lit area to take the picture of your check and place the check on solid dark background before taking the photo of it.
  • Frame your check within the view finder on the camera screen when capturing your photos.All four corners and the entire check image should be visible. Try not to get too much of the area surrounding the check.
  • Keep your phone flat and steady above the check when taking your photos and make sure you are in focus. Hold the camera as square to the check as possible to reduce corner to corner skew.
  • No shadows across the check
  • Check must not be blurry
  • The MICR line (numbers on the bottom of your check) must be readable.
  • Mobile deposit will not accept money orders or treasurer’s checks.
  • Please be aware, there is a $5,000.00 daily item limit
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  • Select Deposits from the menu
  • Select New Deposit
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  • Select the account to deposit funds
  • Enter the deposit amount of the check
Select Continue

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  • You are prompted to take a photo of  the front and back of the check

After each image is taken, you will select Use Photo to send the image or Retake
The images are uploaded and validated to ensure image quality and to validate that the back of the check has been endorsed

 

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mobile deposit on cell phone

Real time tests are performed to:

  • Verify it has not been deposited before via phone
  • Read hand or machine printed amount from image
  • Compare amount read from image to amount entered
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Submit a deposit

Once user sends the image, they are prompted to confirm deposit amount.

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Deposit Pending

If the deposit passes all the real time tests, it is passed to Franklin Savings Bank for additional processing. Some deposits may be manually reviewed; for this reason, the deposit shows as Pending upon submission.

 

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View Deposit History

The history reflects the status of the check capture, not the posting of the check to your financial account.  You are able to view 30 days of deposit history captured from your mobile device.

 

 

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Click deposits to view more details

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You may also click View Check to view the image

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You can:

  1. View Details

    Logout

    View Front

view Back

 

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.