Mobile Deposit

Deposit checks any time of day in the comfort of your own home from an Android or iOS device!

Please review all of the information on this page in its entirety, or your deposited item may be rejected.

Getting Started with Mobile Deposit:

  1. Sign-up for Online Banking
  2. Download our mobile app
  3. Enroll in Mobile Deposit
  4. Start using Mobile Deposit!
  5. Read FAQ for more Information

Enroll in Mobile Deposit

You must be enrolled in Mobile Deposit to use this feature. All enrollments are reviewed by a human to ensure your security.
  1. Log into Online Banking from ANY device. From the menu, select "Transactions" menu header, then "Mobile Deposit Enrollment"
  2. Review the Terms & Conditions Agreement
  3. Accept the Terms & Conditions Agreement
screenshot of mobile deposit enrollment process in online banking

We will make a decision about your enrollment within one to two business days. You can only submit the enrollment once; if after two business days you do not yet have access to deposit checks, please Contact Us. As outlined in the Agreement, this feature may have additional requirements, limits, and restrictions.

Depositing Checks

Only certain types of checks are eligible for deposit. Cashier's Checks, any type of Money Orders, and checks issued by the US Treasury (Savings Bonds, Tax Returns, etc.) are not eligible for mobile deposit and will be rejected. You may still deposit these items in person like normal.

Log into the Luana Bank Android or iOS App. Select "Deposit Check" from the 'Transactions' menu:

screenshot of deposit check menu within online banking

Select an account to deposit the check into, enter the check's amount, then proceed to 'Capture Image':

screenshot of mobile deposit account and amount selection

When photographing your check:

  • Place your check on a single-color background like a white table, black counter top, etc.
  • Ensure the entire item is visible on your device display
  • Ensure proper lighting - avoid casting a shadow from your mobile device!
  • Square-up the item
  • Lay the check perfectly flat
  • The endorsement on the rear of the check must match this pattern exactly or it will be rejected:

       Mobile Deposit
       Luana Savings Bank
screenshot of mobile deposit check front image
screenshot of mobile deposit check back image

Verify the photographs of the front and back of the check are both in good condition and are sharp and readable. If there are any issues, retake the photos now. Low quality photographs will be automatically rejected.

screenshot of mobile deposit review

Your device will perform initial checks and if no image quality issues are found, you will receive a message that the deposit was submitted successfully.

screenshot of mobile deposit confirmation message

Checks deposited via mobile are processed in three stages:

  1. Initial processing by your device Items will only be accepted that have not been previously deposited, are legible, and are of high photographic quality.
  2. Initial processing by our computers Items might be automatically rejected in this stage if a secondary quality scan detects irregularities, such as a mismatch in the check amount and the deposit total you entered. After this stage, you will receive an email to notify you if the item can or cannot be processed further, or if any corrections were automatically made.
  3. Final bank processing At 2 PM Central Time (the 'cutoff time' for Mobile Deposit) on each business day, bank employees will review Mobile Deposits. Items can still be rejected at this stage if, for instance, there are endorsement errors, etc. We will contact you directly if any issues are found. If no issues are found, funds will become available the following business day.

After a check is deposited, you must securely keep it in your possession for 10 business days. After 10 business days, the item should be securely destroyed, using a cross-cut shredder, incinerator, etc.

FAQ (Frequently Asked Questions)

Q: Is Mobile Deposit Free?

A: You will not be charged by Luana Savings Bank, so long as you do not use the system excessively. Maximum usage limits and charges, if set, will be published in our Fee Schedule. Check with your mobile service provider for data usage fees and restrictions.

Q: How soon will funds be available after a deposit?

A: The Mobile Deposit cutoff time is 2 PM Central Time. Items deposited before the cutoff time will generally have funds made available the following business day. For example, if you submit a deposit at 1:00 PM Central Time on Friday, funds will be available Monday. However, if you submit a deposit at 2:01 PM Central Time on Friday, funds will not become available until the following Tuesday.

Q: Can I view previous deposits?

A: Yes. From the main menu, open the "Transactions" header, then tap 'Deposit Check'. Tap 'more' in the upper-right hand side to view both currently Submitted and previously Accepted deposits. Tap on a particular deposit to view the front and rear check images.

Q: Are there limits or restrictions?

A: Luana Savings Bank offers this feature to customers who have acceptable credit worthiness or banking history with us. Furthermore, dollar limits and item limits are in place for your protection and ours; we will contact you if a limit is exceeded.

Q: How do I endorse (or sign) the back?

A: Checks MUST be endorsed using this pattern or funds may be delayed or withheld altogether:

    Mobile Deposit
    Luana Savings Bank

Q: What happens if an item is rejected?

A: Luana Savings Bank may reject an item if it is endorsed incorrectly, would cause you to exceed a limit, the check is not made out to you, or another valid reason. If an item is rejected, you will be required to bring that item into one of our branches or mail it to us for it to be deposited.

Q: Can I deposit a Tax Refund check, Money Order, or Cashier's Check?

A: Items issued by the US Treasury, including Tax Refund Checks, may not be deposited via Mobile Deposit. Money Orders and Cashier's checks are also not eligible for Mobile Deposit. If you deposit an ineligible item, it will be rejected.