Mobile Deposit

FNB  Bank's Mobile Deposit services are designed to allow you to make deposits to your checking, savings, or money market accounts from home or other remote locations by capturing the image of a check and delivering the images and associated deposit information to FNB Bank or our designated processor.

Follow these easy steps to deposit checks anywhere, anytime:

1. Log in to the FNB Bank app on your mobile device and select Mobile Deposit.
2. Follow the on-screen enrollment steps.
3. After enrollment is approved, select Deposit Check. If you have more than one check to deposit, select Manage Batches.
4. Select the account to deposit into and enter the check amount.
5. Properly endorse the check with “For FNB Bank Mobile Deposit Only”, the payee’s signature, and your FNB Bank account number.
6. Take a picture through the app of both the front and back of the check.
• Ensure the images include all 4 corners of the check, are taken on a dark, solid, flat background, are not blurry, and do not have shadows. 
7. Review the deposit information entered and Submit.
8. You will get an email notification that states the deposit has been submitted for processing. This email includes a confirmation number that you may use to inquire about your deposit. Ex: 1865056342
9. You will get a final email notification that the deposit is accepted or rejected. This email includes your reference number for the deposit. Ex: S49R6RNRLS1
10. When the deposit has been approved it will be memo posted to your account. The memo post description will be the same as the reference number you received in the final email.

Items that can be deposited

Checks made payable to the account owner(s) that have been properly endorsed.

Items that cannot be deposited include, but are not limited to:

• Foreign Checks
• Bonds
• Checks payable to a person NOT on the account being deposited to
• Third-party checks
• Returned or re-deposited items
• Rebate checks

Tips for taking a successful picture:

1. Take the picture on a solid, dark, non-reflective contrasting background.
2. Photos should not be taken in laps or on hands, and the check should be smooth as possible. 
3. Photos should always be taken with a clean camera lens and good overhead lighting with no shadows. The camera should not be zoomed in.
4. Remove any check stubs before submitting the check for deposit.

After making a deposit

DO NOT re-present the item. Keep the check for at least 30 calendar days from the date of deposit. You may write the reference number in pencil on the check as a reminder that it has already been submitted. This reference number can be erased if the check happens to be rejected and needs to be resubmitted.

Deposits made after 3:00 PM MT may be processed on the next business day. Deposits made during non-bank hours, Saturdays, Sundays, and Federal holidays will be processed on the next business day.

Please contact FNB Bank with any questions at (785)-890-2000.

FAQs:

Q – Why didn’t I receive a text notification when my deposit was accepted or rejected?

A – Our new mobile deposit platform only sends email notifications. If you need your email updated please contact us at (785)-890-2000.

Q – I just made a mobile deposit and the description is a bunch of numbers and letters. What is that?

A – Your mobile deposit memo posts when it has been accepted. While it is in a memo post status, the description will be the same as the reference number. You can find the reference number in the email you received when your deposit was approved. After nightly processing, the description will change to DEPOSIT. This means the mobile deposit is hard posted.

Q – Why do I have a confirmation number and a reference number?

A – The confirmation number is included in the first email when the deposit has been submitted for processing. You can use this number to inquire about your deposit. The reference number is included in the final email when the deposit has been approved or rejected.

Q – Are the mobile deposit funds available once it memo posts?

A – Yes, once your mobile deposit is memo posted the funds are available.

Q – Should I select Deposit Check or Manage Batches?

A – Select Deposit Check if you only have one check to deposit. Select Manage Batches if you have more than one check that you wish to deposit.

Q – Why isn’t there a button to push to take the photo?

A – The app will take the photo for you. Simply position the check within the rectangular box. The app will give you hints if you need to adjust. If the app is unable to take a clear picture it will give you three options. You can cancel capture, retry autocapture, or capture manually. If you select capture manually you will get a button on the right-hand side to take the picture. A notification of “Success!” will pop-up when the picture is taken.