Who is eligible for Mobile Check Deposit?
Mobile Banking users who have a qualified Personal Checking, Savings, or Money Market account are eligible for the Mobile Check Deposit service, excluding Health Savings Accounts.

What if an eligible account is not listed in Mobile Check Deposit?
The user can determine which of your eligible accounts will be enrolled in Mobile Check Deposit. (If you believe you have an eligible account that has not been enabled, please call Customer Support at 563-588-1000 for assistance.

What types of checks can I deposit with Mobile Check Deposit?
Only checks drawn on institutions located in the United States can be processed through Mobile Check Deposit. We are unable to accept checks made payable to any person or entity other than you, Money Orders or Travelers Checks through Mobile Check Deposit.

Are there any limits on the dollar amount of deposits I can submit?
Yes. You may not deposit more than $5,000 per check and not more than $10,000 per day. Any items presented in excess of the limits will be returned at our discretion.

Are there fees associated with using Mobile Check Deposit?
No. Not at this time.

Do I photograph both the front and the back of my check?
Yes. During the deposit process, you will be required to photograph the front and back of your check.

How do I endorse my check for Mobile Check Deposit?
You should sign your check with the following endorsement:

  • Payees Signature (Your Name)
  • For Mobile Deposit 

How will I know if Premier Bank received my deposit?
A message is displayed within the Mobile Banking app when your deposit has been successfully submitted. Please note, this does not mean the deposit has been approved.

How will I know when Premier Bank processes my deposit?
The deposit will post to your account as a “mobile deposit”.

Is there a cut-off time to make my deposit?
If you make a deposit with Mobile Check Deposit before 5:00 p.m. (CST) on a business day, we will consider that day to be the day of your deposit. However,if you make a deposit with Mobile Check Deposit after 5:00 p.m. (CST), on a weekend or federally observed holiday, we will consider that the deposit was made on the next business day and will normally post to your account within 2 business days.

When will my deposit post to my account?
Deposits made prior to 5:00 p.m. (CST) most often will be posted by 7:00 p.m. when nightly processing has occurred.

When will a deposit made through Mobile Check Deposit show in my balance?
On the day the deposit is approved.

Can I photograph more than one check at a time?
You can photograph multiple checks in the same mobile banking session; however you may only photograph one check per deposit.

What if the check image I photographed is bad?
You have the option to retake photographs of the check before submitting or you may cancel the deposit. If you are unable to photograph a clear image, please deposit your check at one of our Branch locations, ATMs or mail your deposit to Premier Bank for processing.

Do I destroy my check after I photograph the deposit?
No. Once the deposit has been approved by Premier Bank, mark on the face of the check "electronically deposited on xx/xx/xxxx" and keep the check for at least 5 business days to ensure it posts to your account. After 5 business days, securely destroy the check. Do not VOID the check after submittal in the event the deposit is not approved and needs to be re-submitted.

Can I make my opening account deposit through Mobile Check Deposit?
No, at this time Mobile Check Deposit cannot be used to initially fund a new account.

What if I submitted a deposit for the wrong amount? Do I need to resubmit the deposit?
Yes, if you enter the wrong amount the deposit will fail and you will need to do a new deposit with the correct amount indicated.

What if I submit the same deposit twice in error?
If the same deposit is submitted twice, it will be identified and stopped by Premier Bank. Should this occur, you will receive a declined deposit notification for the second deposit received through the Mobile Check Deposit service.

A check I submitted was returned, can I resubmit it?
No. If a check is returned, you may not re-deposit the check through Mobile Check Deposit. Please visit one of our offices to deposit your check.

If I need additional information on Mobile Check Deposit, who can I call?
For additional assistance, please call Customer Support at 563-588-1000.

Premier Mobile Deposit-Technical

Do I need a certain type of mobile phone to use Mobile Check Deposit?
Most smart mobile phones are compatible with our TouchBanking mobile app, with the exception of the Verizon Razor. It will however be compatible in the near future. Please contact customer support if you have questions on compatibility at 563-588-1000.

What type of internet connectivity do I need?
Mobile devices must have an appropriate data plan that allows the transmission of data over the internet.

What steps have been taken for security?
In addition to login password, we use multiple security layers, including advanced encryption. For added security, passwords and actual check deposit records or images are not stored on the mobile device. Additional ways to ensure security:

  • Protect your password
  • Don't keep your password in a location accessible to others
  • Don't allow others to preform transactions for you
  • Periodically change your password by logging in to Personal Online Banking
  • Notify us if password security has been breached.

The processing time to upload check is very slow. What may cause this?
The processing from your device to Premier Bank and back is not controlled by Premier Bank. This is dependent upon your device, carrier, memory on the device, and current connection that you have. Please try to improve one or more of these elements before uploading another deposit.

I keep receiving a blurry image error message when attempting to submit the deposit.What might the issue be?
Taking high-quality photos of the check is the best way to make mobile check deposit quick and easy. Here are some hints to keep in mind:

  • Good Lighting
  • Dark background
  • Only check visible, no other objects or edges
  • Check needs to be entirely in the frame
  • Focus is important! Being too close can make the image blurry

How will the deposit post to my account?
It will post to your online banking account and show on your statement as “Mobile Deposit”

Do I need to fill out a deposit ticket and take a photo of it and submit?
No, the software creates an electronic image for the deposit ticket

Will the image of the electronic document appear on my statement?
Yes, the image of the electronic credit will appear on the statement, listing the date, online user ID, account number and amount of the deposit.

For further assistance, please contact customer support at 563-588-1000 or info@premierbanking.com