Mobile Deposit

Deposit Checks Right From Your Smartphone

Deposit checks with your phone! It's easy, convenient, and fast. Depositing a check is no longer an errand or limited to banking hours. Deposit anywhere. It's easy, secure, and FREE with Mobile Deposit!

Mobile Deposit Tips

The image to the right shows the correct way to endorse a check that is being mobile deposited at First Bank of Utica

• Sign/Endorse the back of your check and write "For Mobile Deposit Only" under the signature endorsement.
• Login to the First Bank of Utica App and tap the "Deposits" button
• Select the account you would like to deposit the check into, and carefully input the amount listed on the check
• Flatten folded or crumpled checks before taking your photos
• Keep the check within the view finder on the camera screen when capturing your photos, try not to get too much of the areas surrounding the check
• Place your check on a solid, dark background in a well-lit area before taking the photos
• Keep your phone flat and steady above the check when taking your photos, hold the camera as square to the check as possible to reduce corner to corner skew
• Make sure the entire check image is visible and in focus before submitting your deposit
• Be sure no shadows are across the check; all four corners are visible and the check is not blurry before submitting your deposit
• The MICR (numbers on the bottom of your check) is readable

*Checks that are not properly endorsed will NOT be processed and must be endorsed properly and resubmitted.*

FAQ's

How do I start using Mobile Deposit?
You must have our First Bank of Utica mobile app. You can enroll for Mobile Deposit by clicking the Deposits icon within the mobile app.

What do I do with the checks after I deposit them via Mobile Deposit?
We recommend you keep the check for 30 days in a safe place. After that you should securely destroy the check.

How long does it take for a mobile deposit check to show on my account?
Mobile deposited checks have to be processed by the bank personnel, so it will show up on your account during bank business hours once the bank staff have reviewed and verified the mobile deposit has been endorsed and submitted correctly.

What if my deposit doesn't show up on my account?
If you deposit a check via Mobile Deposit, the app will confirm if the deposit was successful. If the check does not show up in your account by the end of the next business day, please call the bank. You will then be instructed to try the mobile deposit again or bring the check to a branch location.

Is there a charge for using Mobile Deposit?
No, there is no charge for using depositing checks through Mobile Deposit.