Must the check be endorsed?
Yes. The check must be endorsed, and the endorsement must include “For Mobile Deposit at Mountain Pacific Bank”.
Am I required to capture an image of the front and back of the check, or just the front?
A clear image of both the front and back of the check must be taken and submitted.
Will the system reject an unclear image?
Yes. You will then have the option to take the picture again.
What account types can a deposit be made into?
Checking, Savings, Money Market, or Health Savings Account.
How will I know the check was deposited successfully?
You will receive a confirmation email upon successful transmission. You can also view the history of all your deposits by going to the Activity Center, located under the Accounts tab. On the Activity Center screen, there is a tab for Deposited Checks.
How will I know if my deposit has been accepted or rejected?
You will receive an email confirming if the deposit has been accepted or rejected. You can also view the history of all your deposits by going to the Activity Center, located under the Accounts tab. On the Activity Center screen, there is a tab for Deposited Checks.
What should I do if my deposit is declined?
We will send you an email explaining the reason(s) for the decline and what you should do next.
What should I do with my check after I deposit it?
You should securely store the paper check for 20 calendar days after the check has been deposited in case we need additional information.
Are funds immediately available after the item has been accepted?
No. Mobile check deposits are subject to holds at the sole discretion of Mountain Pacific Bank.
How will I know when the funds have been deposited into my account and are available for use?
You can see view your transaction history 24/7 through online banking. You will not receive a specific notification when funds from the deposit are made available.
How long will I have to wait after my deposit is completed for the funds to be available?
Typically, deposits made before 9:00 a.m. (PT) are credited to the account by 12:00 p.m. (PT), checks deposited between 9:00 a.m. (PT) and 4:00 p.m. (PT) are credited to the account by 7:00 p.m. (PT), and checks deposited after 4:00 p.m. (PT) are credited to the account by 12:00 p.m. (PT) the following business day. However, extended holds may be placed at the sole discretion of Mountain Pacific Bank.
Can I deposit a check to an account that is in a name other than mine?
You only have access to deposit a check into an account on which you are a signer. You can deposit a check to an account provided the check is made payable to a signer of the account the check is being deposited into and the check has been properly endorsed.