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• Online Banks With Instant Mobile Check Deposit
• $0 Opening Deposit Checking Account

Deposit your check with Altra Mobile Deposit and it goes into your account within about a minute. Please read disclosure for exceptions to “Real Time”. All checks deposited through Altra Mobile Deposit must be endorsed with your signature in the designated endorsement area and must include the words “For mobile deposit – Altra.”. Instant gas hold refunds. Funds immediately credited to your account. Money management. Instant spending notifications, insights and more. Automatically put aside money for specific purchases. Deposit cash instantly at 60,000 stores. Mobile check deposit. Deposit checks easily using your phone’s camera. Parent Company: Customers Bank Website: www.bankmobile.com Launched: 2015 Employees: 140 HQ Location: United States Notable Features: An all-digital checking account with mobile check deposit, P2P mobile payments, mobile photo bill pay, PFM tools, fee-free overdraft protection, and 0.75% APY on savings. PNC customers deposit on average over 2 million checks per month using their mobile devices! See how easily you can deposit a check right from your smartphone — quickly, conveniently, and securely with mobile deposit and our mobile banking apps.

Save yourself a trip to the ATM. Instead, use Mobile Deposit to deposit checks straight from your mobile device. It’s a fast, safe and convenient way to deposit checks.

Make Secure Deposits with Your Phone

Now you don't need to leave the house to deposit a check. Instead, you can use the camera on your mobile device to put the money into your accounts. You can eliminate trips to the bank and deposit your check quickly and easily.

Eliminate Trips to the Bank

There's no need to spend extra time getting to a banking center or ATM when you don't have to. Deposit checks from your phone to save time and energy.

Deposit Checks No Matter How Late It Is

Stuck late at the office? Simply forgot to bring your check to the banking center today? Now you can deposit checks no matter what time it is. For Mobile Deposits, we've extended the deposit cutoff time to 10 p.m. (CT), which means you get same-day credit even later.*

Banks With Free Mobile Deposit

Be Assured - Your Deposits Are Safe and Secure

Your security is important to us, so no personal data is ever stored on your device, and when you close out of the Mobile Deposit app, your session ends immediately.

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Compatible Devices

Frequently Asked Questions

Got questions? We've got answers. And, if you don't find what you're looking for, sign in to Online Banking and visit our Actions and Tools menu to send us a Secure Message or call us at (844) 517-3308.

With Mobile Deposit from BOK Financial, you can make a deposit anytime, anywhere! Save yourself a trip to the bank by depositing checks with your phone, even after hours, simply by taking a picture. It’s easy, safe and the most convenient way to deposit checks. Make deposits any time, anywhere.

• Enjoy the convenience of making deposits 24 hours a day, even on weekends and holidays.
• Extend the business day. Deposits received by 10 p.m. (CT) are processed the same business day. Deposits received after 10 p.m., and on weekends or holidays will be processed the next business day.
• Get money to the bank faster. You will save time by avoiding trips to the banking center when you use Mobile Deposit. Each deposit should typically take just a minute or two, depending on your connection speed.
• Branch, ATM and Mobile deposits are subject to review and funds from your deposit may not be available for immediate withdrawal.

To make a deposit please follow these steps:

1. Launch the Mobile Banking App, sign in, and select “Deposits”.
2. Select the account where you wish to deposit your check.
3. Enter the amount of the check.
4. Take a picture of the front of the check.
5. Take a picture of the back of the check.
6. Verify your deposit information and submit.

That's it! You’ve sent your deposit through a secure connection to BOK Financial. You can also review your mobile deposits and see the images you’ve submitted by selecting the Mobile Banking App’s Review Screen.

Deposits made before 10:00 p.m. (CT) will be processed the same business day. Deposits made after 10 p.m., or on weekends or holidays, will be processed the next business day.

For example, if you make a deposit on Saturday, the deposit would be credited to your account on Monday and available on Tuesday.

If your deposit was accepted prior to 10 p.m. (CT) your deposit will generally be available to you the next business day. Deposits made after 10 p.m., or on weekends or holidays, will generally be processed the next business day. All deposits are subject to review and funds from your deposit may not be available for immediate withdrawal.

BOK Financial Mobile Deposit has a built-in duplicate detection system and will notify you if the same check is entered twice.

Yes, accounts currently have a daily and a rolling 30-day deposit limit. We will display your available limit on the deposit screen to assist you during your deposit. Additional information will be available by tapping the “info” icon displayed next to your current limit.

Once you’ve submitted your deposit, you will receive a mobile alert with a confirmation message and unique confirmation ID within the app. In addition, you’ll also get an email and mobile alert push notification with detailed information and the status of your deposit. Your recent deposit and status will also be stored in the “Deposit History” screen within the App.

After you receive confirmation that your check has been accepted for processing, store the paper check in a safe place for 7 days until you have verified that the funds have been deposited into your account. Then write “VOID” on the face of the check and destroy the check.

You can use Mobile Deposit 24 hours a day, including weekends and holidays.

All images are reviewed for clarity and completeness. If an error is detected, the app will prompt you to retake the photo. Follow these tips to help ensure a good photo is taken:

• Ensure the area is well-lit.
• Place the check on a dark surface.
• Remove objects or other items from view.
• Make sure all four corners of the check are visible. Use the guides built into the app to help you line up the picture.
• Position the camera directly above the check.

You can also change your Mobile Deposit settings at any time by selecting the “Mobile Deposit Settings” option on the Mobile Deposits screen.

Banks With Instant Mobile Deposit

There are no fees for the service. Your mobile carrier’s data charges may apply.

Mobile Deposit works on most iPhone® and Android™ phones, iPod Touch™ and iPad™.

iPhone® requirements:

• iOS 10 or higher

Android™ requirements:

• OS 5 or higher
• Camera 2.0 megapixels or higher

Mobile Deposit is very secure. We use password protection and 256-Bit SSL Encryption — the same security used for Online Banking.

There are a few common errors that may cause your check to be rejected:

• Blurry pictures (retake your photos with a steady hand, in a well-lit area)
• Folded or torn corners
• Front image is not legible
• Routing and account numbers are unclear
• Image is too dark

Try using Mobile Deposit in a well-lit area to prevent shadows and poor image quality. Keep your hands clear of the check while taking the picture.

Mobile alerts are automatically enabled for mobile deposits. However, they can be turned off in your Mobile Banking app. Log in to the app and select Mobile Deposit from the main menu, then select Mobile Deposit Settings. Toggle the Mobile Deposit push notification switch off.

Your accountholders want instant access to their deposited funds. Strengthen your relationship with them by delivering the funds availability they expect, when they want it.

Immediate Funds^sm from Fiserv is an instant check cashing platform that will help you deepen relationships by offering your customers or members instant access to funds when they deposit checks through teller, mobile and ATM channels.

Immediate Funds lets you meet a pressing demand from small businesses and consumers across all demographic groups – while generating revenue for your institution as a value-added service. You can count on Immediate Funds to deliver convenience for accountholders and goodwill for your institution.

Online Banks With Instant Mobile Deposit

An instant cashing platform that delivers the differentiated consumer experience the market demands

Customer Convenience

Delivered quickly through your existing mobile and ATM channels, and in-person at the teller line

Immediate Response, No Declines

Unique configuration allows accountholders to receive an offer of accelerated funds availability within seconds only when they've been pre-approved

Data Protection

Less worry for today's savvy consumers who are increasingly concerned about their personally identifiable information (PII)

Consistently High Approval Rates

Our model automatically attempts to approve the first transaction for every accountholder to grow adoption

Real-Time Delivery

Decisions on availability are immediately delivered to your staff, avoiding line delays or accountholder wait time

Easy Implementation

Requires no software installation and can be applied to all relevant points of check presentment

With Immediate Funds, you can provide faster access to funds from check deposits, giving them a more convenient way to access their funds at your financial institution rather than at an alternative financial service provider. Your financial institution retains complete control of the accountholder relationship via communications, branding, promotion and delivery.

Cash in on Convenience

Consumers want their financial institutions to offer immediate-funds services.

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$0 Opening Deposit Checking Account

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