Mobile Deposit – Customer FAQ

What do I do with my check once it is deposited?

Please take the following steps with your check:

  • Sign your check and include Via Mobile Deposit at Graham Savings prior to depositing
  • Keep the check in a secure location for 60 days to give it time to clear the maker’s account
  • Write VOID on the front of the check and either destroy it or keep it in a secure location for your records

How quickly will the funds be in my account?

In normal processing the funds from your deposited check will be in your account the next business day. To ensure proper processing, please make sure that the images of the front and back of your check are clear and include all four corners of each side.

How does my institution use the pictures I take to make a deposit into my account?

On October 28th, 2004, the Check Clearing for the 21st Century Act or Check 21 went into effect. This law was designed to enable banks to handle more checks electronically and make check processing faster and more efficient. Because of Check 21 your institution is able to use the images captured on your phone to convert your check into a Check 21 image and process it electronically as a replacement of your paper check.

Can the funds come back out of my account once they show deposited?

Yes. As a service to our customers, we give next day funds availability to the checks you deposit. As with paper checks, there is still the opportunity for the institution that holds the account the check is drawn off of to return the check because of insufficient funds or other reasons. The process for recovering the funds from these checks is the same as if you deposited a paper check.

If I receive an error when trying to deposit my check, what should I do?

The most frequent error is caused by an invalid image. Make sure that your check is against a solid background such as a table, that the image is focused, and that all four corners of the check are visible. If the image is good you may be getting an error that tells you the check cannot be deposited at this time. Wait several minutes and try submitting the check again. If errors persist, please contact your institution.