Mobile Deposite FAQ

How do I get the app on my Smartphone?
Search for LAKE CENTRAL BANK Mobile Banking in the Apple Store or Google Play Store and download the application to your smartphone or tablet.

What is Mobile Deposit?

LAKE CENTRAL BANK’s Mobile Deposit allows you to deposit checks to your checking or savings account using the camera on your smartphone.

If I’m already enrolled for Online Banking, do I have access to Mobile Deposit automatically?

Yes, but you will need to enroll and agree to the mobile deposit terms and conditions; and then you will automatically be able to make a Mobile Deposit.

What do I need in order to use LAKE CENTRAL BANK’s Mobile Deposit with a smartphone?
To use LAKE CENTRAL BANK’s Mobile Deposit service using a smartphone, you must have a LAKE CENTRAL BANK Online Banking Account, be enrolled for Mobile Deposit (on the mobile App > Services > Mobile Deposit enrollment).

One of the following browsers on a mobile device is required in order to make deposits:
Apple® IOS 7, 8, or 9
Android™ Lollipop, KitKat, or Jelly Bean

Will I have another password to remember?
No. You login using your existing Online Banking ID and password.

Am I eligible to use LAKE CENTRAL BANK Mobile Deposit?
All consumer online banking users are eligible for Mobile Deposit. If we determine that you are attempting to deposit checks that are not eligible for mobile deposit or you are not keeping your account in good standing, we reserve the right to remove the ability to do mobile deposits.

Are there limits for deposits made through Mobile Deposit?
Yes. By default, CONSUMER limits are: $3,000 per day in a total of 10 deposits. No more than $10,000 per month in a total of 30 deposits.

Are there any fees?
Currently, there is no fee or charge assessed by Lake Central Bank for you to enroll in or use our Mobile Deposit service; however, we may assess fees in the future. Should we assess fees in the future, you will receive notice as required by law. Any fees associated with your standard deposit account (s) will continue to apply. You may, however, incur charges to receive Internet service on your mobile device from your wireless carrier. You may also incur charges from your wireless carrier when sending and receiving text messages. You will be solely responsible to your wireless carrier for any such Internet or text messaging charges.

Do deposits process on the same day?
Deposits received by 4:00 pm Central Standard Time are processed that business day. Deposits received after 4:00 pm Central Standard Time are processed on the next business day. Weekend or holiday deposits are also processed on the next business day.

When are funds made available to me from deposits made through Mobile Deposit?
Mobile Deposit will generally be made available to you on the same business day as the deposit date, provided that the deposit is received before 4:00 pm CST. You will be able to see the deposit in your Online or Mobile Banking account after our nightly processing.

May I enroll more than one account for Mobile Deposit?
Yes, when you enroll in mobile deposit, you will be able to deposit into any of your checking or savings accounts.

What types of checks can I deposit with LAKE CENTRAL BANK Mobile Deposit?
Most checks made payable to you and drawn on a bank within the United States can be deposited through LAKE CENTRAL BANK’s Mobile Deposit.

Here are some examples of check types, which cannot be deposited through Mobile Deposit:

  • Savings bonds
  • Foreign checks or checks not payable in US currency
  • Checks payable to you and another party, unless deposited into an account in the name of all payees
  • Checks payable to any person other than you (the account owner)
  • Checks that have been altered
  • Checks dated more than 6 months prior to the date of deposit
  • Post-dated checks
  • Checks drawn against a line of credit
  • Checks made payable to cash
  • Checks stamped, watermarked or otherwise marked “non-negotiable”, “void” or “canceled”
  • Remotely created checks

How many checks can be deposited at one time?
Using your smartphone, only one check is allowed per deposit. You can make as many single check deposits as you need to, up to your daily dollar and item limit.

How do I make a Mobile Deposit using my smartphone?

  1. Launch the LAKE CENTRAL BANK Mobile Banking application and log in
  2. Choose the transaction tab from the menu options
  3. Choose Deposit Check to begin the process
  4. Choose the Account where the check needs to be deposited
  5. Enter the Amount of the check
  6. Tap on Capture Image
  7. Tap the capture front to take a picture of the front of the check
  8. Tap the capture back to take a picture of the back of the check
  9. Click Submit Deposit
  10. Click close after Deposit submitted successfully—if error message read and follow corrective active

How do I make sure I get a good photo of my check?
Here are some tips for taking good photos of your checks:

  • Ensure the check is well‐lit
  • Place the check on a dark, non‐reflective background
  • Remove all other objects from the frame
  • Make sure all four corners of the check are captured in the picture
  • Position the camera directly above the check

How do I know the picture I’ve taken is acceptable?
LAKE CENTRAL BANK’s Mobile Deposit service will automatically review the image to be sure the check is filled out completely and that all fields are legible. If there is a problem, a pop‐up message will alert you to re‐take the photo and submit the image again.

Do I need to use a deposit slip?
No, there is no need to use a deposit slip. We will create an electronic deposit slip to post the deposit to your account.

Do I need to endorse the check(s)?
Yes. You must sign the back of the check(s) just as you would in person. The phrase “For Mobile Deposit Only” must also be included for the mobile deposit to be accepted.

What do I do with the check after it’s deposited?
Securely store the paper check until you see the deposit in your account (after nightly processing). Please securely retain the original check for 5 business days. After the 5‐day retention period, you may shred the check(s).

Will I be able to review the deposits I’ve made?
Yes. You will be able to view them in the Mobile App for 5 days. Login, go to the Deposits Check, and then select “More” button.

How do I know LAKE CENTRAL BANK received my deposit?
You will receive an immediate notification through the application and an email notification that your deposit has been received. This means that we received it for processing. After you see the deposit in your account, you’ll know that it was processed successfully. If there was an error or an adjustment, you will be notified by secure messaging in online banking.

What if I accidentally deposit the same check twice?
A check can only be deposited through Mobile Deposit one time. Mobile Deposit has a built‐in duplicate detection tool that alerts you if you attempt to deposit an item twice. If you are concerned about a deposit you have submitted, please contact us at 320-274-8216 or 320-558-2271.

What if I accidentally enter in the wrong amount?
Our Mobile Deposit system will read the check to make sure what you entered matches what is on the check. If it does not match, your deposit will be rejected and you will receive a notification to redo the deposit with the correct deposit amount and images.

What if there is a mistake or error?
You should notify us of any suspected errors regarding items deposited through Mobile Deposit immediately, but no later than 60 days after we send you the account statement on which the error appeared.

For more information, please Contact Us.

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