Mobile Check Deposit:
What is Mobile Check Deposit for Business?
Mobile Check Deposit is a service available to First Resource Bank business customers with our Android, iPad or iPhone mobile banking apps. Mobile Check Deposit enables you to deposit checks directly into your First Resource Bank business checking or money market account(s) by taking a picture of a check using your smartphone.
What mobile devices are supported?
Mobile Check Deposit is currently available for the Androi, iPhone, and iPad
Who is eligible?
First Resource Bank business customers who are enrolled in mobile banking, maintain an eligible business checking or money market account, have downloaded the Android, iPhone or iPad mobile banking apps and have accepted First Resource Bank’s Mobile Check Deposit Agreement are eligible. Enrollment is not guaranteed as some restrictions may apply.
How much does it cost?
There is no charge for a customer to use Mobile Check Deposit.
How many checks per month can I deposit?
You can deposit up to 5 checks per day with a maximum limit of 25 checks per month. Other conditions may apply for new customers.*
Is there a dollar limit on these checks?
Established customers can deposit up to $5,000 per day with a monthly maximum of $10,000. Other conditions apply for new customers.*
When will I see the deposit into my account?
If you submit a deposit to us on a business day before 7:00 pm, the deposit will be credited to your account and available the next day. Deposits made after 7:00 pm will be credited to your account the next business day and available on the second business day. Every day is a business day except Saturdays, Sundays and federal holidays.
Should I endorse my check?
Yes, please endorse your check with your signature, account number and “mobile deposit” written on the back of the check.
How will I know when my deposit is complete?
You will receive a confirmation message immediately on your phone when a deposit has been successfully transmitted. In addition, a confirmation email when the deposit was approved for processing will be sent to the email that was provided at time of Mobile Check Deposit enrollment.
Why did I receive an email stating that my deposit was rejected?
It is possible that a deposit may be rejected due the image of the check being blurry or the information entered does not match the information on the check. In these cases, the deposit cannot be processed and will be rejected. If you receive an email like this, please contact a customer service representative at 610.363.9400.
What should I do with the check after it has been deposited into my account?
We ask that you retain the check in a secure location for 90 days. In the event that the image of your check cannot be processed, we may ask for the original item. After 90 days, the original check should be shredded.
Which accounts can I use to make deposits?
Businesses can deposit checks into their First Resource business checking or money market account.
Who should I call if I have questions or need assistance?
Please call a customer service representative at 610.363.9400.
Mobile Web Access:
What are the restrictions on the type of mobile devices that can be used to access accounts for Online Banking?
Our mobile web banking solution is phone device agnostic. It works with any web-enabled mobile phone device whose network allows secure SSL traffic.
What functions can I perform from my mobile device?
- View Transaction History
- View Account Balances
- Transfer Funds between accounts
- Pay Bills to existing Payees
- View Alerts
Will I be charged for Mobile Web Access?
There is no charge for First Resource Bank’s Mobile Web service, however, standard carrier fees for text messaging may apply. Please check with your wireless carrier if you aren't sure what fees apply when you send and receive text messages.
How do I know if my transfer or bill payment was entered successfully?
If you have selected to receive text alerts, each time you make a transfer or bill payment, a confirmation SMS Text Message is sent to your mobile device. If you do not receive a confirmation text message, double check to make sure the transaction went through via Online Banking
What if I no longer want to be a mobile user?
Log in to First Resource Bank’s online banking site > Select Options > Mobile Settings > Deselect Activate Mobile Banking Access > Click Agree.
What happens if I lose my mobile device?
Since your account data is not stored on your mobile device, your information cannot be stolen. When you replace your device, simply edit your Mobile Settings (Online Banking site) and make any changes to the Wireless Provider and/or Phone Number.
Why can’t I add a new payee?
Functionality is limited to sending payments to already established payees. To add a new payee, log in to the online banking site, select Bill Payment, and add a new payee. You can then submit payments to that payee via your mobile device.
What happens if I lose communication/signal during a transaction?
When you complete a transaction from your mobile device (bill payment, funds transfer, etc.) you will receive an SMS Text Message as confirmation that the transaction was successful. If you do not receive this message due to a dropped call or lost signal, check your accounts and re-submit any transactions that did not process.
What do I need to do if I get a new phone?
If you get a new phone but keep the same phone number and provider, no changes on your part are necessary. If you switch providers and/or phone numbers, log in to Online Banking via the Internet and update your information on the Options > Mobile Settings page. You will not receive SMS Text Messages regarding Mobile Banking transactions if your phone number is not correct.
How can I search for a transaction?
You will only be able to view 15 days’ worth of transaction history on your mobile device. There is not a search feature.
How do I delete a Bill Payment that I set up through my mobile device?
You must log in to Online Banking and delete the payment from the main menu of the Bill Pay module.
When I try to enter an amount for a bill payment or transfer, I can’t enter any numbers, only letters. Why?
Check your phone’s settings to make sure you don’t have Alpha-only enabled on the keypad.
What if I can’t get my mobile device to work with Internet Banking?
There are a number of reasons that you may experience trouble accessing the mobile version of internet banking on your phone. To use the mobile version, your phone needs to meet the following minimum requirements:
- Your mobile device must be web enabled.
- Your mobile network must allow secure SSL traffic. (You may need to contact your mobile provider to determine this.)
Text Messaging (SMS):
Will Text Messaging work on my phone?
Text Messaging works with your wireless carrier’s text messaging service (SMS). Contact your wireless provider if you are unsure.
How come I did not receive a confirmation text when I enrolled in Text Messaging?
If you do not receive a confirmation text, you may have an option turned on your phone service that blocks any 3rd party texts. You will need to contact your wireless provider to change this option to accept 3rd party text messages.
Will I be charged for Text Messaging?
There is no charge for First Resource Bank’s Text Messaging service, however, standard carrier fees for text messaging may apply. Please check with your wireless carrier if you aren't sure what fees apply when you send and receive text messages.
Which carriers do you support?
Our Text Banking service works on all major mobile providers in the U.S.
How do I cancel Text Messaging service?
Text STOP to 89549, the Bank’s short code or log in to First Resource Bank’s online banking site > Select Options > Text Mobile Settings > Deselect Activate Mobile Banking Access > Click Agree.
I have a new mobile phone number. Can I change or add my number online?
Simply change your mobile phone number through Online Banking within the Text Mobile Settings.
Is Text Messaging secure?
Yes. Messages will contain no sensitive information about your accounts.
What are the Text Messaging commands?
- Bal=All Acct Bal
- Bal Acct Name=Single Acct Bal
- Hist=All Accts Recent Activity
- Hist Acct Name=Single Acct Activity
Are keywords case sensitive?
No, keywords are not case sensitive.
What is the number I should send keywords to?
The short code is 89549. This short code will only work if you have registered your mobile device via Online Banking.
What is the maximum number of characters?
Due to limitations placed by wireless carriers, up to 140 characters can be displayed in each text message.
What happens if I exceed 140 characters in the middle of a transaction?
The response will be broken into segments shorter than 140 characters, resulting in multiple messages for long responses.
How many requests can I make?
An unlimited number of requests are allowed.
How quickly does the message go through?
Messages typically go through within seconds, although delays of several minutes or more may be experienced depending on your wireless carrier.
Is there any password needed for Text Messaging?
No. Once your mobile phone is registered, your mobile device is used to authenticate your account access.
Does the message go through if I have no coverage?
No coverage on your cell phone means that nothing can get to your phone, and that includes text messages.
*Please call a customer service representative for more information at 610.363.9400