FNB offers mobile deposit by smartphone

Published: Tuesday, June 24, 2014 12:48 p.m. CDT • Updated: Tuesday, June 24, 2014 12:57 p.m. CDT

Check deposits are the latest service to be added to First National Bank’s (FNB) mobile application.

The service, which was added to FNB’s list of mobile banking services on June 9, has been well received.

“We’ve been pleased with the response rates,” said Sarah Young, electronic banking officer/marketing specialist at First National Bank in Creston.

Young said deposits were being made on the first day of its release and no issues have been reported.

To make a mobile deposit, FNB customers must download First National Bank’s mobile banking app from iTunes (Apple) or the Google play store (Android) onto their smartphone device.

Once the application is installed and opened, FNB customers merely have to choose which FNB account they want to deposit their check, take a photo of the front and back of the endorsed check, enter the amount of the check, verify the information and click “make a deposit.”

Within seconds, the check information is verified and admitted for processing. Young said if a deposit is made by 3 p.m., the funds are available by 6 p.m. the same business day. If a deposit is made after 3 p.m., it is available by 6 p.m. the following business day.

FNB limits a users daily deposits, which is capped at $2,500 a day.

Young said there are some security measures taken to protect both the consumer and bank.

Part of the verification process validates the check’s routing number, ensures endorsement, that the magnetic ink character recognition (MICR) or the number sequence on the check is in proper form and makes sure the check isn’t foreign or a duplicate deposit.

“We haven’t had any issues with the quality or the validity of the checks deposited,” Young said. “We are also doing a review on our end.”

To learn more about First National Bank’s mobile banking services, visit

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