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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’s Mobile Banking with the same limitations on the 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’s 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 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 $2,500.00 in a calendar day.

How can I deposit more than the limits listed above?

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.

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 branch for deposit assistance.

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

From within the mobile app, click “Deposit” and choose “View Deposit History”. This will show you a list of the deposits you have made with either a “Accepted or Rejected” status. All Accepted deposits should be available on the next business day.

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

If you submit a Mobile Deposit before 3:30 pm on a bank business day, your funds will be available the next business day. Deposits made after 3:30 pm 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’s Deposit Services department at 215-968-3405.

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

Once you receive notification regarding the rejected deposit, you can make the required correction and redeposit the item. For more information you can call The First National Bank’s Deposit Services department at 215-579-3405.

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

After making a Mobile Deposit, The First 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 3:30 pm 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’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 into 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.

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