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Mobile Deposit FAQ
Resources Mobile Deposit FAQ

Mobile Deposit FAQ

What is Mobile Deposit?

With Athens Federal Mobile Deposit, you can deposit paper checks into eligible checking or savings account(s) using the Athens Federal Mobile Banking app on supported iPhone and Android mobile devices.

Is there a charge for the Mobile Deposit service?

A fee of $1.50 per check deposited will be charged to your account. You may review mobile deposit fees on your monthly statement. If you make more than one mobile deposit per statement cycle, the charges will be combined and displayed one time on your statement. Message and data rates may also apply. Contact your mobile service provider (carrier) for more information about your mobile account and contract terms.

Are there limits for deposits made through Mobile Deposit?

Mobile deposit limits are as follows:

  Customers Businesses
Daily (per business day) $1,000 $2,500
Monthly (per 30 calendar days) $3,000


May I enroll more than one account for Mobile Deposit?

Yes, you may enroll as many Athens Federal checking or savings accounts as you would like for Mobile Deposit.

Do I need to use a deposit slip to make a deposit through Mobile Deposit?

No, we will use what is called a substitute (or electronic) deposit slip to post the deposit to your account. You will only need to take a picture of the front and back of the check being deposited.

What type of mobile device do I need?

The Mobile Deposit service is available on iPhone and  Android mobile apps for download on:

iPhones® or iPads® with iOS 5.1.1 or higher

Android™ mobile devices with Android 2.2, 2.3,  4.0 or higher

Please note some devices may not be capable of running the app; please test functionality by downloading and launching the app.

What equipment is required to use the Mobile Deposit service?

You must have an active Athens Federal account and must use a supported, camera-equipped mobile device with the Athens Federal Mobile Banking app installed. Fees and other restrictions apply. Refer to the Mobile Remote Deposit Capture Agreement for details.

Account eligibility requirements apply. Data charges may apply - contact your wireless service provider for details.

How do I download the app and is there a charge?

You can download the app by visiting the App (for iPhone) and Google Play (for Android) store for your mobile device. Simply search for "Athens Federal." The AFCB mobile app is free for iPhone and Android smartphones. You must be successfully enrolled for online and mobile banking to launch the app.

What type(s) of checks can I deposit?

You may deposit the following types of checks using Mobile  Deposit:

Personal checks payable to you

Business checks payable to the business entity  or account owner

Checks drawn on a United States Bank that are payable in US currency

Are there checks I cannot deposit?

You should not submit the following types of checks using  the Mobile Deposit service:

  • Checks payable to any person or entity other  than you
  • Checks payable jointly, unless deposited into an  account in the name of all payees
  • Checks containing obvious alteration, or which  you know or suspect are fraudulent
  • Foreign checks (non-US Checks)
  • Checks dated more than six (6) months prior to  the date of deposit
  • Federal government checks (Checks issued by the  US Treasury Department)

The Bank reserves the right to reject any check transmitted  through the service at its discretion and is not responsible for checks we do  not receive.

I received an image quality error message after taking photos of the gront and back of my check. What should I do?

You will be required to re-take the photos of the front and  back of your check in order to submit your deposit.          

Consider the following tips for taking high quality photos  to ensure your deposit is successful:

  • Ensure good lighting
  • Use a dark background behind the check
  • Make sure only the check is visible in the frame
  • Make sure the entire check is in the frame
  • Make sure the image is focused and not fuzzy
  • Flatten folded or wrinkled checks before taking photos

If you continue to experience problems, please visit your local Athens Federal branch to make the deposit in person.

My check was rejected. Why?

There are several reasons we may reject a check. Typical reasons that a check may be rejected include the following:

Your check did not meet the requirements  outlined above in FAQ, "What type of checks can I deposit?"

Your check was previously deposited.

The image quality was poor.

You will be notified by Athens Federal if your deposit is rejected via email or phone. You may choose to resubmit your check image or to  deposit the original paper check at your local Athens Federal branch.

I deposited a check to the wrong account. What should I do?

If you accidentally deposited your check into the wrong account in your account list, once the deposit becomes available, you may transfer the funds using Online banking, Mobile Banking, Text Banking, or in person at your local Athens Federal branch.

When will my mobile check deposit funds be available?

Funds are generally available the next business day after  the date of your deposit, provided no hold is placed and the deposit is not  rejected. The date of your deposit is determined by when you make your mobile check deposit:

If you successfully upload a  deposit to Athens Federal before 7:00 PM Eastern Standard Time (EST) on a  business day we are open, we will consider that day to be the date of your  deposit. If you successfully upload a  deposit to Athens Federal after 7:00 PM EST or on a day we are not open, we  will consider the next business day we are open to be the date of your deposit.

A hold may be placed on items deposited through Mobile  Deposit, on a case-by-case basis. If we choose to place a hold on an item we  will notify you. Your funds will not display in online banking until they are  available.

What do I do with the check after I deposit it through Mobile Deposit?

You should keep the check in safekeeping for at least 30 days after the image has been transmitted. After 30 days, mark the check “VOID” and shred it, or otherwise render it incapable of future transmission, deposit or presentment. This allows adequate time to ensure the image quality will be accepted by the bank the check is drawn on.

The AFCB App closed while I was making a deposit. What should I do?

If the app stops working, you may have too many apps open and running at the same time. We recommend you completely close all open apps before making a deposit if you are experiencing difficulties.

I am locked out of the AFCB mobile App. What should I do?

If you incorrectly enter your password three times you will be locked out of your Athens Federal mobile account. Contact our Deposit Operations office at 1-800-526-3572 or 423-745-1111 to unlock your account; this request may take up to 48 hours to process.

My phone was lost or stolen. What should I do?

While another person using your phone would need to know your Athens Federal Mobile app username and password to access your deposit information, we encourage you to notify Athens Federal. We can disable your device from having Athens Federal mobile banking access. Once you have a new phone, we can re-enroll you for the service to regain access.


Have additional questions about Mobile Deposit? Contact your customer service representative at 1-800-526-3572 or at any local branch.