Mobile Deposit ExampleMobile Check Deposit

Introducing Mobile Check Deposit

Mobile Check Deposit allows you to deposit checks quickly and easily from a smartphone (iPhone® and Android) into a deposit account at First American Bank, by endorsing, photographing and transmitting the check to the bank.

Benefits of Using Mobile Check Deposit

The number one benefit is convenience. Mobile Check Deposit allows you to deposit a check(s) 24 hours a day, 7 days a week.

Who is eligible to use Mobile Check Deposit?

First American Bank Personal or Small Business customers who have:

  • Enrolled in Mobile Banking, and
  • Have a First American Bank Personal or Small Business checking or savings account, and have
  • An iPhone® or Android smartphone

Is there a fee for Mobile Check Deposit?

No. There is no fee for using the Mobile Check Deposit to deposit your checks into a First American Bank checking or savings account. Note: Your mobile carrier's web charges may apply.

What do I need to get started?

  1. A First American Bank personal or small business checking or savings account
  2. A smartphone (iPhone® or Android)
  3. The latest version of First American Bank and Trust app

To download the First American Bank and Trust app – Visit the App Store or Google Play store on your smartphone. Search for "First American Bank and Trust" and download it. Icon should look like the one below:

App Store Example


How do I make a deposit using Mobile Check Deposit?

Mobile Check Deposit Instructions:

  1. Using your smartphone, log into First American Bank Mobile Banking App
  2. Select the "Deposit" icon at the bottom of the screen
  3. Select "Start New Deposit"
  4. Enter Deposit Info:
    • Enter Amount of the Deposit
    • Select Account to be deposited into
    • Enter E-mail address (Optional) to send confirmation receipt
  5. Select "Front" to take a picture of the front of the check – click "OK" if satisfied with picture quality; or you can hit the "X" and retake the picture.

    NOTE: When taking an image of a check, please be sure all four corners of the check are in view.
  6. • Select "Back" to take a picture of the back of the check – click "OK" if satisfied with picture quality; or you can hit the "X" and retake the picture.

    NOTE: When taking an image of a check, please be sure all four corners of the check are in view.
  7. When all information has been added and you are satisfied with the front and back pictures click on "Continue"
  8. Select "Deposit Check" to confirm and submit your mobile check deposit
  9. You will be presented with the Funds Availability Disclosure and any errors the system may have detected*

    NOTE: Proper endorsement should include:
    • Your Signature
    • The words "FABT Mobile Deposit Only"
    • The account number deposited into
    • The date the check was deposited
  10. Select "Get Deposit History" to review the status of your deposits


*Most Common Errors:

  • Endorsement on back of check is missing or not proper
  • Item has been deposited before
  • Amount input by the customer does not match the check amount
  • Image quality issues
  • Amount of the check exceeds allowable mobile check deposit limits:
    • Daily limits – 5 checks per day not to exceed $2,000 (total daily deposits)
    • Weekly limits – 10 checks per week not to exceed $4,000 (total weekly deposits)
    • Monthly limits – 20 checks per month not to exceed $6,000 (total monthly deposits)
  • The check deposited is an INELIGIBLE ITEM

    You may not submit any item which:
    1. Is payable to any other person or entity.
    2. Has been altered, or which you know or should know is fraudulent or unauthorized.
    3. Is dated more than six (6) months prior to the date of your mobile check deposit.
    4. Was remotely created, as described by Reg. CC. (Draft debit item with no maker signature)
    5. Was previously converted to a substitute check, as defined in Reg. CC. (IRD)
    6. Is drawn against an account at a financial institution which is not located within the United States.
    7. Is not payable in the currency of the United States.
    8. Is a Money Order or Traveler's Check

Frequently Asked Questions

What is the cut-off time for processing the checks?

Checks may be deposited at any time, however, in order to be processed on the same business day, the deposit must be submitted by 3:30 p.m. Central Standard Time.

How will I know that my deposit was submitted?

For each deposit, a deposit receipt notification from can be sent to your email address.

When will the funds that I deposited through Mobile Check Deposit be available?

On a normal business day, deposits must be received by 3:30 P.M. CST to receive same day processing.  Funds will normally be available on the next business day. However, FABT reserves the right to place a hold on any item deposited VIA Mobile Deposit, if it does so, your funds will not be available on the next business day. 


What do I do with the check once I've submitted the image?

You should write the words "MOBILE DEPOSITED ON (date)" across the front of the check, store it in a secure location for 90 days, and then shred it or otherwise securely destroy it.

What happens to the image?

An image of the check goes to the bank, and we begin the normal process of collecting the money from the checks maker.

Should I be concerned with the security of Mobile Check Deposit?

At First American Bank our goal is to protect the integrity of your account. While we make every effort to safeguard your information, there are steps you should take to protect yourself and your account:

  • Do not throw the checks out with the trash.
  • Do not keep the originals in a file folder for an indefinite period of time.
  • 90 days after the original check has been successfully imaged and processed, it should be destroyed. Why? Checks are like cash. They should be treated as negotiable instruments.

Who do I contact if I need assistance?

Please contact us at (800) 738-2265 or visit a First American Bank branch location near you.

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