Frequently Asked Questions
With Mobile Deposit, you can make a deposit directly into your checking or savings account using the Lakeland Bank Mobile Banking App on your smart phone, iPad® or Kindle Fire device.
ELIGIBLE CHECK TYPES
You can deposit checks payable in the U.S. dollars and drawn at any U.S bank, including personal, business and government checks. They must be payable to and endorsed by the account holder as you would with the branch.
INELIGIBLE CHECK TYPES
International checks, U.S. savings bonds, U.S. postal money orders, remotely created checks (whether in paper form or electronically created), convenience checks (checks drawn against a line of credit) and Cash are not eligible for Mobile Deposits.
To get a good check image:
- Place the check flat against a contrasting background
- Hold your mobile device steady and directly over the item (not at an angle)
- Position the check within the viewing window with all four corners visible
Log in to your Mobile Banking App, select ‘Deposit’ and choose the account where you want to deposit your check. Enter the amount of the check, and follow the prompts to take a photo of the front and back of the endorsed item. Finally, select Submit and you’re done! After the check has been accepted, it will post to your account on the same business day if made before the cutoff time.
Total deposits cannot exceed $10,000 on each banking day.
Deposit status is available through the Mobile Deposit App. Simply review the deposit history to obtain a real-time status of your deposit. Additionally, you can review your account history online to view and verify the deposit after it has posted to your account.
In order to use Mobile Deposit, you must have:
- Active Consumer Online Banking Profile
- Mobile Banking App
- Smart Phone (iPhone or Android) or iPad with a camera
Mobile Deposits can fail for several reasons, including:
- Poor image quality
- Amount mismatch (check amount does not match deposit amount)
- Missing endorsement
- Duplicate item
- Exceeds check or daily deposit limit
Mobile Deposits can be made at any time. Deposits made on weekends, holidays or after 6:00 pm ET will be processed on the following business day.
After depositing your check using Mobile Deposit, indicate ‘mobile deposit’ and the date it was deposited on the check. Securely store the check for 15 days after your deposit, then destroy it. This allows sufficient time in case the original check is required for any reason.