What is Mobile Deposit?
Mobile Deposit is a way to electronically deposit checks from your iPhone®, iPad®, iPod touch® or Android™ phone using the German American Mobile Banking App.
Who is eligible for Mobile Deposit?
To qualify for Mobile Deposit, you must have an active German American personal checking account for at least 60 days, be in good account standing, and have enrolled in German American Online Banking.
Mobile Deposit is not available for business customers. For businesses, we offer a Remote Deposit Capture service with more of the features our business customers require.
How much can I deposit?
Depending on your qualifications, most customers are eligible to deposit up to $2,500 per check, up to $2,500 per day, and up to $5,000 in a 30 day timeframe.
How much does it cost to deposit a check using Mobile Deposit?
Mobile Deposit is free to German American customers. Just download the German American Mobile Banking App to begin. Your service provider's data access charges may apply.
Is Mobile Deposit safe?
Yes. Check deposits made through the German American Mobile Banking App are protected according to the highest financial industry standards. Security features include: password protection, internet firewalls and 128-bit encryption. Check images and other private information are not stored within the Mobile Banking App or on your phone, iPad® or iPod Touch®. A deposit made using Mobile Deposit is as safe as using Online Banking.
How do I make my first Mobile Deposit?
Do I need to sign the back of my check?
Yes. Please sign the back of your check and write “For Mobile Deposit Only.”
How will I know when the check has been posted to my account?
After submitting the images of the front and back of your check, you will receive an on-screen confirmation that your deposit has been submitted to German American for review. You will also have the option to email a confirmation number to yourself. Deposits may take up to one business day to appear in your account. Accepted deposits received by 6:00 p.m. ET on business days will be credited to your account during nightly processing the same business day. Deposits received after 6:00 p.m. ET will be credited by the next business day.
Why am I unable to deposit my check?
There are a few reasons that checks may not be able to be deposited:
Helpful tips for Mobile Deposit:
I just made a deposit a few hours ago and I don’t see it in my account. Can I bring the check into a German American banking office to deposit?
No. Once your check has been submitted through Mobile Deposit and you receive on-screen confirmation, you may not deposit the same check again at one of our offices. If there is a problem with that particular deposit, we will notify you and work with you to correct it. However, the check is generally no longer negotiable once the check image has been submitted for deposit. Think of it like an electronic teller line; once the teller deposits your check, you cannot take the check back and deposit it again.
If you are concerned about not seeing the deposit in your account, look for your deposit on the next business day. As mentioned above, deposits are not processed immediately.
What do I do if my check is rejected in Mobile Deposit?
Double check the following:
If the check continues to be rejected, bring it to one of our banking offices for deposit.
Where can I download the Mobile Deposit Service Agreement?
How do I change my email address for Mobile Deposit email notifications?
Log into Online Banking from a computer and update your email address. After you have changed your email address, open the “Deposit Checks” or “Deposits” option within the Mobile Banking App. You don't need to process a deposit in order for the information to update for Mobile Deposit.
Is there a way to see the checks I deposited within the App?
Images are not stored on your device. The program removes the image after it is submitted, or if you do not complete the process.
What accounts can I use with Mobile Deposit?
All checking accounts from your main account list in Online Banking will populate the “Deposit into” list within your Mobile Deposit list.
Which items are not eligible for Mobile Deposit?
The below items are considered ineligible for Mobile Deposit: