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Peoples Bank

Online Banking Login

Mobile Deposit FAQs

What is Mobile Deposit?
It allows you to make a deposit by taking a picture of the front and back of a check using your Apple or Android mobile device.

Is Mobile Deposit safe?
Yes, our mobile banking uses the same security infrastructure as our online banking featuring multiple layers of security, including password protection and the SSL (Secure Sockets Layer) communication protocol, which employs 256-bit encryption.

What are the requirements to enroll in Mobile Deposit?
1. Must be enrolled in Peoples Online Banking.
  • Contact a People Bank Customer Service Representative to get enrolled
2. Must be enrolled in Peoples Mobile Banking.
  • For iPhone or iPad users, go to the iTunes store and search ‘PB Mobile’ and look for our logo.
  • For Android users, go to Google Play store and search ‘Peoples Bank’ Mobile App’ and look for our logo.
3. The latest version of our Peoples Bank App must be downloaded to your Apple or Android mobile device.

Is there a cost for Mobile Deposit?
Currently, there is no cost for using Peoples Mobile Deposit and we will notify you if that ever changes. (Standard data rates from your wireless provider still may apply.)

How do I make a mobile deposit?
1. Tap the Menu; then tap ‘Deposits’.
2. Tap on the ‘+’ in the upper right hand corner
2. Tap on ‘Front of Check’; Capture a picture of the front of the check
3. Tap on ‘Back of Check’; Capture a picture of the back of the check.
4. Select account to deposit to.
5. Enter the amount of the check.
6. Verify all the information and tap ‘Submit’
7. Tap on ‘Finish’
8. Your check will appear in the Deposits menu on your phone or an error explaining why your deposit did not work.

How will I know if my mobile deposit is successful?
You will receive an email confirmation from mobilebanking@peoples-ebank.com stating that your deposit has been received for processing. Final confirmation occurs when you see the deposit added to your account balance.

Do I need to endorse the back of the check when I make a mobile deposit?
Yes, before taking a picture of the check, write For Mobile Deposit Only and then below that, endorse the check with your signature. PLEASE NOTE: If the back of the check is not properly endorsed, Peoples Bank reserves the right to reject the check for deposit.

Are there any checks I am not permitted to deposit using Mobile Deposit?
The following checks are not permitted:
1. Checks not payable to you.
2. Checks that have been altered or that are fraudulent.
3. Checks payable jointly, unless deposited into an account in the name of all payees.
4. Checks drawn on a financial institution located outside the United States or not payable in US currency.

What do I do with my check after I have deposited it?
Write Mobile Deposit and the date of the deposit on your check. Store the check for 7 days in a secure location to protect it from fraud. After the 7 days and you have confirmed the deposit has been processed and applied to your account, you are to destroy the check.

What if I accidentally submit the same deposit twice in error?
If the same deposit is submitted twice, you will receive an error message informing you the check has already been deposited and cannot be accepted.

What if my deposited check is returned…can I resubmit it?
No, if a check is returned for insufficient funds, you may not re-deposit the check using Mobile Deposit. You must then deposit the returned item at the bank. Our return check fee will be assessed as normal. (Please see Fee Schedule for details)

When can I expect to see the deposit posted to my account?
We process mobile deposits every business day at approximately 12:15pm and 4:15pm CST. If your mobile deposit was made after our 4:00pm cut-off time, your deposit will be processed the next available business day at 12:15pm.

Can I deposit more than one check?
Yes, however each check is deposited separately to your account. If you have 3 checks to deposit, you will see 3 separate deposits posted to your account.

Are there limits to how much I can deposit through Mobile Deposit?
Yes, you may deposit up to $3,000 per day and $7,000 per calendar month using Mobile Deposit.

What if I need to deposit a check that exceeds my daily limit?
Please contact us at 877-476-2038 Monday through Friday (non-holidays), 8:00am through 5:00pm CST or email mobilebanking@peoples-ebank.com.

*Peoples Bank reserves the right to not process a deposit at any time.
**Peoples Bank reserves the right to terminate the usage of mobile deposit for a specific user at any time.

Helpful Tips when taking a photo of your check
  • Make sure the check has been endorsed.
  • Take the photos of the check in a well-lit area and a contrasting background.
  • Avoid shadows.
  • Keep your phone flat and steady above the check when taking the photo.
  • Keep the check within the parameters on the camera screen.
  • Make sure the entire check is visible (all 4 corners).
  • Flatten folded or crumpled checks prior to taking your photo.
  • Make sure the check image is clear and the MICR line is readable (numbers on the bottom of the check).
  • Carefully enter the amount of the check to ensure it matches the amount written on the check.

Why wasn’t my deposit accepted?
May be one of the following reasons:
  • The endorsement is missing (remember to take picture with the endorsement on left side of picture)
  • The check has already been deposited.
  • The image is of poor quality.
  • The amount is not clear.
  • The amount you entered is different than that being read from the image.
  • The MICR line is not clear.
  • The check is a foreign check or IRD (image replacement document)
  • Peoples Bank reserves the right to not process your deposit at any time.
Rev. 12/17