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Mobile Deposit FAQ

Can a business use Mobile Deposit?

Yes, Mobile Deposit is available to all business customers enrolled in The First National Bank’s Mobile Banking with the same limitations on number of items and amounts.

Is there a fee associated with making a Mobile Deposit?

No, Mobile Deposit with the normal limits is a free service* made available through The First National Bank Mobile Banking app.  There is a monthly fee for expanded limits.
*Messaging and data rates may apply.  Please consult your mobile carrier.

Is there a limit to the number of checks I can deposit through Mobile Deposit in a single day?

Yes, there is a limit of 5 checks that can be deposited in a calendar day.

Is there a dollar limit for the value of checks I am depositing through Mobile Deposit in a single day?

Yes, the dollar value of your Mobile Deposit may not exceed $2,500 in a calendar day.

Is there a limit to the number of checks I can deposit through Mobile Deposit in a single month?

Yes, there is a limit of 10 checks that can be deposited in a calendar month.

Is there a dollar limit for the value of checks I am depositing through Mobile Deposit in a single month?

Yes, the dollar value of your Mobile Deposit may not exceed $5,000 in a calendar month.

How can I deposit more than the limits listed above?

We do offer expanded limits of 10 checks per day up to $5,000 and 20 checks per month up to $10,000.  A customer must request expanded limits through a branch.  Availability is subject to approval.  Not all requests will be granted.  There is a $10 monthly fee for expanded limits.

How do I endorse a check for Mobile Deposit?

To make a Mobile Deposit, please endorse your check with the wording “FNBN Mobile Deposit Only” and sign your name as it appears on the check.

Do I need to complete a deposit slip for my check?

No, you can skip the slip with Mobile Deposit. All of the information gathered from a deposit slip will be captured electronically.

Can I deposit a check from a foreign country through Mobile Deposit?

No. Mobile Deposit will only process checks that have been issued in the United States of America.

Can I make a deposit to a savings account?

No. Mobile Deposit will only allow deposits to be made to a First National Bank of Newtown checking account.

I receive an error message when trying to deposit my check.

For the security of your account and accuracy of your account transactions, Mobile Deposit will conduct several tests to ensure your check complies with the Federal Reserve standards for clearing check images. To support the check’s image quality, ensure that you take the picture of the check in a well-lit environment, the check is not torn or distressed and that the handwriting is clearly legible. Please also ensure that the amount of the check matches that which you entered manually on the Deposit screen. If you continue to experience difficulty, please visit your local First National Bank of Newtown office for deposit assistance.

How do I know if my deposit was received for processing?

From within the mobile app, click “Deposit” from the drop down menu and choose “Deposit History”.  This will show you a list of the deposits you have made.  There are three statuses for a deposit:  Received, Transmitted, and Rejected.  Received means that your deposit was successfully submitted into the app and that the deposit is now in the queue to be reviewed.  Rejected will only appear on checks that were reviewed and did not meet The First National Bank’s standards for mobile deposit.  A deposit with a Transmitted status has been approved and should be checked on the next business day to verify it posted to your account.

When will my funds be available after making a Mobile Deposit?

If you submit a Mobile Deposit before 4:00pm on a bank business day, your funds will be available the next business day. Deposits made after 4:00pm will be processed the next business day and available the business day following.  Deposits will not be seen in Online or Mobile Banking until after they post that night.

Holds will be placed on individual deposits at our discretion.  We reserve the right to reject any item transmitted through the Mobile Deposit services, at our discretion.

How will I know if a deposit is rejected?

You will receive a text message to your cell phone as well as a notice in the mail when a deposit is rejected.  For more information about why an item was rejected you can call The First National Bank’s Deposit Services department at 215-968-3405.

What should I do with the check if a deposit is rejected?

Our security measures prevent a rejected check from being deposited again through the mobile app.  So you will need to bring the check into a branch and make the teller aware that it was rejected in mobile deposit.  The branch personnel will verify that the check was rejected and can assist in making the deposit.

What do I do with my check after making a Mobile Deposit?

After making a Mobile Deposit, The First National Bank recommends storing the check in a safe place until you see that the check has been successfully deposited into your account on your account statement or through Online Banking. You should then store the check in a secure location for 30 days after which time you should destroy the check.

How do I know that my check has been successfully deposited?

Typically, funds from a Mobile Deposit completed before 4:00pm on a business day should be available in your account the next day. If that time has passed and you do not see your deposit, please contact The First National Bank’s Deposit Services department at 215-579-3405 for assistance.

May I make a Mobile Deposit with a check made payable to a joint owner on my account?

Yes. As long as the individual is a joint owner on the account and the check has been properly endorsed the check can be deposited.

Can I split a Mobile Deposit between two checking accounts?

No, a check can only be deposited to a single checking account. After the deposit has cleared, you may then transfer funds between multiple accounts.

Can I deposit a Money Order or Traveler’s Check through Mobile Deposit?

Yes, you can deposit a money order or traveler’s check.

Do I need to take a picture of both the front and the back of the check?

Yes, to successfully complete a Mobile Deposit you must take a picture of the front and back of the check.

How do I orient my check when I take the picture for Mobile Deposit?

Your check should be positioned in landscape format for the image to be accepted for Mobile Deposit.



For more information about the terms and condition of Mobile Deposit see The First National Bank of Newtown’s Mobile Deposit Agreement.