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Mobile Deposit FAQs

Mobile Deposit

Questions And Answers

What is mobile deposit?

Mobile deposit is a feature of Cardinal Mobile App Banking that allows you to take a picture of the front and back of a check using your iPhone, iPad or Android phone and Android tablet to deposit the check into your Cardinal Bank account.

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Who is eligible for mobile deposit?

Mobile deposit is available for Cardinal Online Banking customers who have accepted the Mobile Deposit User Agreement and whose account is in good standing.

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How do I sign-up for mobile deposit?

Mobile deposit is available through the Cardinal Mobile Banking App.  It is available for iPhone, iPad and Android smartphones.  You must be a Cardinal Online Banking customer to use Cardinal Mobile App Banking.  Simply visit the App Store or Google Play store to download Cardinal Mobile App Banking to your device.

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How does mobile deposit work?

To use mobile deposit:

  • Download or upgrade the Cardinal Mobile Banking App at the App Store or Google play.
  • Log in to Cardinal Mobile App Banking.
  • Tap on “Deposit Checks” from the mobile menu.
  • Select the account you want to deposit the check to and enter the deposit amount, just as you would at an ATM.
  • Take a picture of the front of the check.
  • Make sure the back of your check is properly endorsed with your signature, the words “Mobile Deposit”, the date and your account number.  Then, take a picture of the back of the check.
  • Review the information for accuracy and tap “Deposit”.
  • A confirmation is displayed. 

Note that your deposit may be reviewed before it is deposited into your account.  Please retain the check until you verify that is has been deposited to your account.  Then, properly destroy the check.  If you have any questions, please contact us at 703.584.3400 or 800.473.3247.

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What types of checks can I deposit?

In order to deposit a check via mobile deposit, the check must be payable to you and endorsed by you, payable in U.S. dollars, and drawn on a U.S. financial institution.  Your check must be legible.  International checks, U.S. savings bonds, money orders, convenience checks (e.g., home equity checks), and cash are not eligible. 

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Is there a fee for mobile deposit?

There is no fee from Cardinal Bank for mobile deposit.  However, fees may apply from your wireless carrier.

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What is the cut-off time for deposits?

Deposits that are received by 5:00 p.m. ET (on business days) will be reviewed that day for processing.  Otherwise, the deposit will be reviewed for processing the next business day.

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When will my mobile deposit be available?

Deposits will be available according to the Cardinal Bank Funds Availability Policy.  Generally, for existing customers, $200 of the deposit will be available the next business day and the remainder of the deposit available the following business days.  Extended holds may be placed on the deposit based on our Policy.

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Are there any limits to the amounts I can deposit?

Yes.  The limit per day is $2,000 and the rolling 30 day limit is $4,000 per customer.

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How will I know if there’s a problem with my deposit?

Log in to Online Banking or Mobile Banking in 2-3 business days after your deposit to ensure your deposit was properly posted to your account.  If you do not see the deposit, please contact us at 703.584.3400 or 800.473.3247.

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Can business accounts use Mobile Banking and Mobile Deposit?

Yes.  Business accounts can use Mobile Banking and the Mobile Deposit feature if those accounts are enrolled in Online Banking.  However, they are subject to the $2,000 daily check limit and $4,000 rolling 30 day check limit.  If your business requires higher limits, please ask us about Deposit on Demand, our remote deposit product.

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How should I endorse checks I deposit through Mobile Banking?

In the endorsement area on the back of the check, please write “Mobile Deposit” with the date, your signature and account number.

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How long should I keep a check after I have deposited it through Mobile Banking?

Please securely store the check for 30 days to ensure all processing completes properly and in case we need a copy of the check for research purposes.  Please be sure you mark on the check “Deposited Through Mobile Banking” as a reminder that you have deposited the check and so that you don’t inadvertently re-deposit the check.

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What if my check doesn't have very legible handwriting?

Check images received through Mobile Banking are reviewed for proper quality; similar to checks presented at a branch, by mail or at an ATM.  Checks must be readable and clear in order to be processed.

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What are some of the common errors and how do I avoid them?

Common errors include:  checks with folded or torn corners, images that are not legible, amounts that don’t match (the amount of the check and the amount you entered when making the deposit), routing and account numbers are not clear or images are too dark.

Common Errors

How To Avoid Them

Checks with folded or torn corners

 

If your check has torn corners or has been folded, we recommend you deposit the check at a Cardinal Banking Office or ATM, or by mailing the original check to Cardinal Bank, Cardinal Bank, 14000 Sullyfield Circle, Chantilly, VA  20151.

Images that are not legible or are too dark.

Lay the check on a flat surface in a well-lit area and re-take the picture of the check. 

Amounts that don’t match (the amount of the check and the amount you entered when making the deposit).

Make sure the entered check amount matches the amount on the actual check. Edit the entered check amount and continue.

Routing and account numbers are not clear.

Lay the check on a flat surface in a well-lit area and re-take the picture of the check. 

There’s no camera on the device.

If your mobile device does not have a camera, you will not be able to take a picture of the check. We recommend you deposit the check at a Cardinal Banking Office or ATM, or by mailing the original check to Cardinal Bank,14000 Sullyfield Circle, Chantilly, VA  20151.

Access is denied.

If you receive a message indicating that your access to mobile deposit has ben denied, we have removed your ability to make a mobile deposit based on the terms of the Mobile Deposit Agreement.

 

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My check was written more than six months ago. Can I still deposit it?

In most cases, checks that were written more than six months ago are considered "stale-dated" and cannot be deposited.  You will need to request the maker to issue a replacement. Exceptions to this are usually printed somewhere on the check and vary depending on the type of check.

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Is my mobile device supported for Mobile Deposit?

Mobile deposit is available for:

  • iPhones (all models) with OS 3.1+.
  • iPad with iOS 5 or above (with a camera).
  • Android phones (all models with a 2+ Mp auto-focus camera) with OS 2.1.1+. 

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Is mobile deposit safe?

We use industry-standard techniques to protect your mobile accounts.  You access Mobile Banking using your User Name and Password, your log in credentials are not stored on your mobile device, check images are not stored on your device.  128-bit encryption protects account information.  We recommend you manage the safety of your mobile device just as you would a computer – including using mobile malware protection software. 

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