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What are the cut-off times for deposits made with MyFSB Mobile Deposit?

Mobile deposited funds are generally available on the next business day after the day of your deposit, unless a hold is applied.

For deposits made: Funds are generally available:
Before 4pm CST on business days On the next day after the day of your deposit.
After 4pm CST on business days On the 2nd business day after the day of your deposit.
Non-business days On the 2nd business day after the day of your deposit.

For example, if you make a deposit before the cut-off time on a Monday, funda are generally available on Tuesday.  If you make a deposit after the cut-off time on a Friday, funds are typically available on the following Tuesday.  Business days are Monday through Friday except holidays.

What are my deposit limits?

Each check is considered a separate deposit.   You can make multiple deposits in a single mobile session.  There is no limit to the number of checks you can deposit.  There is a daily limit total of $3,000.00.

What types of checks can I deposit using MyFSB Mobile Deposit?

The following check types can be submitted using your MyFSB Mobile Deposit:

  • personal check payable to you
  • checks drawn from a United States bank

The following check types should not be submitted using MyFSB Mobile Deposit:

  • Traveler's checks
  • Savings bonds
  • Money orders
  • Federal government checks
  • Foreign checks - checks drawn from a non-US bank
  • checks payable to any person or entity other than you

What should I do with my paper check?

After depositing your check using MyFSB Mobile Deposit, please follow these best practice guidelines:

1.  Write "Mobile deposit date" on the front of your check.  The date should be the month,date, and year of your deposit.

2.  Securely store your check for 10 days after your deposit, and then destroy it.  This allows sufficient time in case the original check is required for any reason. 

When will my mobile deposit be available?

Funds will be available on the next business day after the day of your deposit, unless a hold is applied.  If a deposit is held (or a hold is applied), common reasons include:

  • Large deposit amount
  • Frequent overdrafts
  • Deposits check returned unpaid
  • Indications a deposited check may not be paid

You'll know your deposit is available when the amount appears in the available balance of the account you selected when you submitted your mobile deposit.  You will also be notified by mail if we placed a hold on the check you deposited. 

Are there fees for using MyFSB Mobile Deposit?

There are no fees for customers to use MyFSB Mobile Banking or Mobile Deposit.  Please check with your wireless provider about carrier and web access charges.

How will I know if the bank received my deposit?

You will receive an email notification when your deposit is received by the bank.  This however does not indicate your deposit has been approved and accepted by the bank.  That will be confirmed in a separate email.  You will receive a second email notification on the status of your deposit.  This email will indicate if the deposit was approved or declined for processing.  If declined, a reason will be provided.