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.
Log into the Luana Bank Android or iOS App. Select "Deposit Check" from the 'Transactions' menu:
Select an account to deposit the check into, enter the check's amount, then proceed to 'Capture Image':
When photographing your check:
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.
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.
Checks deposited via mobile are processed in three stages:
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.
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:
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.