Mobile Deposit FAQ
With Athens Federal Mobile Deposit, you can deposit paper checks into eligible checking or savings account(s) using the Athens Federal Mobile Banking app on supported iPhone and Android mobile devices.
A fee of $1.50 per check deposited will be charged to your account. You may review mobile deposit fees on your monthly statement. If you make more than one mobile deposit per statement cycle, the charges will be combined and displayed one time on your statement. Message and data rates may also apply. Contact your mobile service provider (carrier) for more information about your mobile account and contract terms.
Mobile deposit limits are as follows:
|Daily (per business day)||$1,000||$2,500|
|Monthly (per 30 calendar days)||$3,000||
Yes, you may enroll as many Athens Federal checking or savings accounts as you would like for Mobile Deposit.
No, we will use what is called a substitute (or electronic) deposit slip to post the deposit to your account. You will only need to take a picture of the front and back of the check being deposited.
The Mobile Deposit service is available on iPhone and Android mobile apps for download on:
iPhones® or iPads® with iOS 5.1.1 or higher
Android™ mobile devices with Android 2.2, 2.3, 4.0 or higher
Please note some devices may not be capable of running the app; please test functionality by downloading and launching the app.
You must have an active Athens Federal account and must use a supported, camera-equipped mobile device with the Athens Federal Mobile Banking app installed. Fees and other restrictions apply. Refer to the Mobile Remote Deposit Capture Agreement for details.
Account eligibility requirements apply. Data charges may apply - contact your wireless service provider for details.
You can download the app by visiting the App (for iPhone) and Google Play (for Android) store for your mobile device. Simply search for "Athens Federal." The AFCB mobile app is free for iPhone and Android smartphones. You must be successfully enrolled for online and mobile banking to launch the app.
You may deposit the following types of checks using Mobile Deposit:
Personal checks payable to you
Business checks payable to the business entity or account owner
Checks drawn on a United States Bank that are payable in US currency
You should not submit the following types of checks using the Mobile Deposit service:
- Checks payable to any person or entity other than you
- Checks payable jointly, unless deposited into an account in the name of all payees
- Checks containing obvious alteration, or which you know or suspect are fraudulent
- Foreign checks (non-US Checks)
- Checks dated more than six (6) months prior to the date of deposit
- Federal government checks (Checks issued by the US Treasury Department)
The Bank reserves the right to reject any check transmitted through the service at its discretion and is not responsible for checks we do not receive.
You will be required to re-take the photos of the front and back of your check in order to submit your deposit.
Consider the following tips for taking high quality photos to ensure your deposit is successful:
- Ensure good lighting
- Use a dark background behind the check
- Make sure only the check is visible in the frame
- Make sure the entire check is in the frame
- Make sure the image is focused and not fuzzy
- Flatten folded or wrinkled checks before taking photos
If you continue to experience problems, please visit your local Athens Federal branch to make the deposit in person.
There are several reasons we may reject a check. Typical reasons that a check may be rejected include the following:
Your check did not meet the requirements outlined above in FAQ, "What type of checks can I deposit?"
Your check was previously deposited.
The image quality was poor.
You will be notified by Athens Federal if your deposit is rejected via email or phone. You may choose to resubmit your check image or to deposit the original paper check at your local Athens Federal branch.
If you accidentally deposited your check into the wrong account in your account list, once the deposit becomes available, you may transfer the funds using Online banking, Mobile Banking, Text Banking, or in person at your local Athens Federal branch.
Funds are generally available the next business day after the date of your deposit, provided no hold is placed and the deposit is not rejected. The date of your deposit is determined by when you make your mobile check deposit:
If you successfully upload a deposit to Athens Federal before 7:00 PM Eastern Standard Time (EST) on a business day we are open, we will consider that day to be the date of your deposit. If you successfully upload a deposit to Athens Federal after 7:00 PM EST or on a day we are not open, we will consider the next business day we are open to be the date of your deposit.
A hold may be placed on items deposited through Mobile Deposit, on a case-by-case basis. If we choose to place a hold on an item we will notify you. Your funds will not display in online banking until they are available.
You should keep the check in safekeeping for at least 30 days after the image has been transmitted. After 30 days, mark the check “VOID” and shred it, or otherwise render it incapable of future transmission, deposit or presentment. This allows adequate time to ensure the image quality will be accepted by the bank the check is drawn on.
If the app stops working, you may have too many apps open and running at the same time. We recommend you completely close all open apps before making a deposit if you are experiencing difficulties.
If you incorrectly enter your password three times you will be locked out of your Athens Federal mobile account. Contact our Deposit Operations office at 1-800-526-3572 or 423-745-1111 to unlock your account; this request may take up to 48 hours to process.
While another person using your phone would need to know your Athens Federal Mobile app username and password to access your deposit information, we encourage you to notify Athens Federal. We can disable your device from having Athens Federal mobile banking access. Once you have a new phone, we can re-enroll you for the service to regain access.