Mobile Deposit

Easily deposit your checks wherever you may be. Make an easy and secure deposit of your checks with our Mobile Banking App. You can even check your balance, find ATMs, pay bills, and transfer funds.

Important Things to know about Mobile Deposit

Should I endorse my check?

Yes, you MUST endorse the check with “For Mobile Deposit Only” and sign your name. All payees on the check must endorse the check. If the endorsement is not correct the bank may deny the deposit.

When will I receive credit for a Mobile Deposit?

Assuming there are no issues with your deposit and it is submitted before 5:00 PM Central Time on a business day you will receive credit the next business day. If you submit your deposit after 5:00 PM Central Time or on a non‐business day you will receive credit within 2 business days.

What do I do with the check after I submit the deposit?

We request you keep the original item for 15 days after it has been deposited. After 15 days you are required to destroy the item (i.e. shredding).

Download the Unity Bank Mobile Banking App today!

Tips & tricks

Before logging into the Mobile Deposit app, close all other apps running in the background on your mobile phone.
Sign/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.
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.
Take the photos of your check in a well‐lit area.
Place the check on solid dark background before taking the photo of it.
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 that the entire check image is visible and in focus before submitting your deposit.
No shadows across the check
All four corners are visible
Check is not blurry
The MICR line (numbers on the bottom of your check) is readable.

Frequently Asked Questions

How can I sign up for Mobile Deposit?

You must be enrolled in Online Banking to use Mobile Banking and Mobile Deposit. If you are not enrolled click here to enroll. Need help? Call the Customer Care Team at 877-889-6847

How do I deposit a check?

Log into Mobile Banking, select Deposit and Deposit Check. Select the account, enter the amount, and take a picture of the front and back of the check. Click Next and Confirm.

What is the cutoff time?

The cutoff time is 5:00 PM CST Monday‐Friday, excluding federal holidays.

When will I receive credit for the deposit?

What do I do with the check after I submit the deposit?

We request you keep the original item for 15 days after it has been deposited. After 15 days you are required to destroy the item (i.e. shredding).

Should I endorse my check?

Is there a limit to the checks I can deposit?

Yes, the standard limit is $2,500.00 daily per customer which is an aggregate total for all accounts.

Can I deposit Canadian checks?

No, checks drawn on a Canadian bank need to be deposited at one of our locations or mailed to us.

What if I accidentally deposit a check more than once?

We have systems in place to detect these errors and they will be rejected. We encourage you to create a system that helps you to remember if you already deposited the item.

Who do I contact if I have questions or problems?

Contact a personal banker at one of our locations. Contact Us

How do I know if my deposit has been processed?

It is your responsibility to monitor the status of your deposit. By accessing the Check Deposit History option on the Deposit tab in Mobile Banking you can view the status and image of your check. Accepted means the check has been accepted and processed by the bank. Pending indicates your check has been submitted but has not been accepted by the bank yet. Rejected indicates your check was rejected due to quality, duplicate deposit, or endorsement.

Can a business enroll in Mobile Deposit?

This is just for personal accounts, but check out our Business Mobile Remote Deposit Capture (mRDC)!

Is Mobile Deposit process safe?

Yes, our app uses secure and encrypted SSL technology to ensure your information is only seen by those authorized.

Is there a charge for Mobile Deposit?

There is no charge for Consumer Mobile Deposit.

*The Unity Bank Mobile Banking App is free to download. Your mobile carrier may charge access fees, depending upon your individual plan. Web access is required to use the Mobile app. Check with your mobile carrier for specific fees and charges.

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