Frequenty Asked Questions
What is the Mobile Deposit process?
Select the Mobile Deposits icon on your iPhone® or Android™ phone to load the deposit function. After the screen loads, you need to select the account you wish to deposit the check into and key the amount of the check. You then click the icon to take a picture of the front of the check. You can retake this picture if it not a good quality picture. Click to use the picture when you are satisfied with the quality. Repeat this process for the back of the check. When you click the submit button, the deposit is sent.
What Items can be deposited?
Checks made payable to the account owner or joint owners that have been properly endorsed with:
- For mobile deposit only
- Pioneer Bank & Trust
- The payee’s (account owner) signature
- Current date
What Items cannot be deposited?
- Checks that are images
- Foreign checks
- 3rd party checks
- Returned or re-deposited items
- Rebate checks
- Cash or checks payable to cash
* You may not be able to image Money orders other than Western Union because of the quality of the image.
Are there any limits to how much I can deposit?
You can deposit up to $3,000 per day but not more than 5 items per day. Any single item cannot exceed $1,500. Additional limits may apply.
When will my deposit be posted to my account?
The cutoff time for submitting deposits is 5:00 PM Mountain Time (Monday-Friday excluding Federal holidays). Deposits made and accepted before the cutoff will be posted to your account the same day. Deposits made after the cutoff time will be posted the next business day.
Does it cost me anything to make a Mobile Deposit?
The first three (3) deposits to an account during a statement period are provided with no charge. Deposits over three (3) are charged a fee of $1.00 each.
Message and data rates may apply. Please check with your communications service provider for access rates, texting charges, and other applicable fees.
What do I do with the Check after I deposit it?
You MUST retain the check for 60 days and be able to provide the original check to us if there is a claim made about the check. After 60 days, the check should be destroyed. Shredding is the best method of destroying the check.
Why doesn’t my deposit show on my account right away?
Once a Mobile Deposit is accepted, it goes through a process we refer to as “Memo Posting”. This process notates the activity on your account. If the Mobile Deposit is not automatically accepted, we are not able to “Memo Post” these transactions until they have been reviewed by our staff and accepted. Mobile Deposits may not be automatically accepted for a variety of reasons. Accounts recently setup for Mobile Deposit are always set for our review before the deposit is accepted. This way we are able to make sure that the process is working correctly for the account. Another reason is that the Mobile Deposit may have exceeded the normal limits for the account.
How do I add accounts that do not show on the account selection?
At this time, the signup process only makes one account available for Mobile Deposits. To have additional accounts available, call us at (605) 717-2265 and we can add your other Checking, Savings, or Money Market accounts.