Mobile Deposit FAQs

Who can use mobile check deposit?

Mobile check deposit¹ is for any personal banking or small business customer who:

• Is an authorized signer or owner of a WestStar Checking, Savings or Money Market account
  
• Is enrolled in our online banking service 
  
• Has a supported Apple® or Android™ mobile device
  
• Uses the WestStar Mobile Banking app
  

---

Is there a fee for using mobile deposit?

There are no fees for using mobile deposit.

---

Can I deposit a check with my mobile device through online banking through my browser? 

The only way to make a mobile check deposit with your mobile device is to use the “Mobile Deposit” feature available only with our WestStar mobile banking app.

---

How should I endorse checks when using mobile check deposit?

For all checks deposited via a mobile service, each must include "For Mobile Deposit at WestStar Bank Only" handwritten below your signature in the endorsement area on the back of the check.

---

What kinds of checks can I deposit? 

Mobile check deposit can accept most domestic checks, including personal, business and payroll checks. We are unable to accept money orders, foreign checks, savings bonds, U.S. Treasury checks, foreign traveler's checks, third-party checks, substitute checks (image replacement documents) or checks drawn on foreign currency through mobile deposit. For these check types, please visit a WestStar branch location.

---

Can I photograph more than one check at a time?

No, you can only submit images (front and back) for one check per deposit. However, you can deposit multiple checks separately in the same login session.

---

How will I know if WestStar has received my check deposit?

Soon after you complete your deposit, you will be notified by email when your deposit has been approved and processed. Once your deposit is approved and processed, the transaction will display in the Activity Center. If the deposit is declined, the reason will be included in the email notification.

---

Why would a check deposit be declined?

There could be a number of reasons why a check deposit is declined, including:

• Check type is ineligible for deposit through WestStar mobile deposit
  
• Check was previously deposited (duplicate item)
  
• Missing endorsement
  
• Deposit exceeds your current daily or weekly deposit limits for mobile deposit
  
• Poor image quality
  

In some instances, our mobile app will notify you with an error message. In other cases, we will notify you by phone call or mail of the rejection of any check deposit found during processing.

---

How long does it take for a deposit to become available in my account? 

Unless a hold is applied, funds for mobile deposits received and accepted are as follows:

• Before 6:00 PM MST will be available the next business day.
  
• After 6:00 PM MST or a non-business day will be available the second business day.
  

If a deposit is held (or a hold is applied), funds are posted to your account but are not immediately available to cover debits or withdrawals. Common reasons include: large deposit amounts, frequent overdrafts, deposited check returned unpaid, and indications a deposited check may not be paid. Deposits are subject to WestStar standard funds availability policy.

---

What should I do with my checks once they are successfully deposited?

The general rule is to securely discard (e.g. shred) the check after 15 days.

---

Can a check be presented again at the teller line after a mobile deposit?

Back-end procedures are in place to alert you if the check has already been deposited through a mobile device.