BankPacific Mobile Deposit FAQs
What is Mobile Deposit?
Mobile Deposit enables you to deposit checks to your BankPacific checking or savings account quickly and easily with your smart device (e.g., smartphone or tablet). Mobile Deposit is not available through a computer or non-Apple iOS/Android device.
What do I need to use Mobile Deposit?
To use Mobile Deposit, you must use BankPacific Online Banking and have BankPacific’s Mobile Banking app installed on your smart phone or tablet.
How do I sign up for Online Banking?
Signing up for BankPacific online banking is quick and easy. Just visit www.bankpacific.com, select Online Banking at top right corner of the screen, Click the “Enroll” link and complete the enrollment steps.
- Step 1: Answer the questions to confirm your identity
- Step 2: Create your username and password
- Step 3: Review and accept the Online Banking Terms and Conditions
- Step 4: Verify your information and click “Continue enrollment” to complete
Where can I find the new BankPacific Mobile Banking app?
You can search and simply download BankPacific’s newest Mobile Banking app called “BankPacific, Ltd” from the app store appropriate for your smart device.
- For iPhone Users: BankPacific’s Mobile Banking app should automatically update but if it does not, you can install the app from the Apple Store.
- For Android Users: You will need to uninstall the old app and then install the new app from the Google Play Store.
How do I enroll for Mobile Deposit?
Install or update BankPacific’s Mobile Banking app on your smartphone or tablet. Login and select “Mobile Deposit.” You’ll be asked for some basic information to enroll which may take up to two business days. You may read up on our Mobile Remote Deposit Capture Agreement located in the Mobile Banking app for more information.
Can I set up more than one account for Mobile Deposit?
Yes! During enrollment you will establish a primary account for Mobile Deposits; however, when making a Mobile Deposit you will be able to select which account you would like the check to be deposited.
Is there a fee for the service?
No. This service is available to BankPacific customers free of charge; however, BankPacific reserves the right to change that at any time.
Is there a fee to use Mobile Deposit?
This service is free and it is faster than regular mail and cheaper than a trip to the bank!
Is Mobile Deposit secure?
Yes it is. Mobile Deposit utilizes the same 128-bit encryption technology to safeguard your data as Online Banking. Also, Mobile Deposit does not store account information or images of checks on your mobile device.
How do I make a Mobile Deposit?
- Login to Mobile Banking and select Mobile Deposit.
- Endorse the back of your check with “For Mobile Deposit Only”, write your account number and sign. This is important! Checks that do not have this endorsement will be rejected, and you will need to re-submit your deposit after signing the check with the correct endorsement.
- Choose an account and enter the amount of your check.
- Take pictures of the front and back of your check.
- Submit the check for deposit.
It’s that easy! You will receive a text message when your check has been accepted (or rejected). Make sure to login to your account to confirm that the deposit was posted to your account.
What do I do with the check after I have submitted it for deposit?
You should keep the check in a secure place for seven (7) calendar days after you have submitted it for deposit. After the seven day retention period and once you have verified that the check has appropriately posted to your account, you should securely destroy the check (i.e. shredder or fire).
When will the funds I deposit be available?
Funds deposited using BankPacific Mobile Deposit will generally be made available on the first business day after the day of deposit. Checks deposited before close of business day will be considered deposited on that business day. Checks deposited when BankPacific is closed will be considered deposited on the next business day that we are open.
Why can’t I see my Mobile Deposit in my account?
When your check has been approved by the bank you will receive a text or e-mail message from the bank letting you know that your check has been accepted (or rejected). Checks are reviewed by bank personnel throughout the day during our normal banking hours, so if you are submitting your check after cut-off time, your check will be reviewed on the next business day. Cut-off times are 4:00 pm Monday through Thursday and 6:00 pm Friday.
Why am I unable to deposit my check?
There are a several reasons that checks may not be able to be deposited. The most common reasons are listed below, but please also refer to your Mobile Deposit User Agreement which lists ineligible items.
- Image of the check is unclear
- Dollar amounts on the check do not match
- The check was already deposited once (duplicate)
- Missing signature of the maker (on front of check)
- Missing or improper endorsement (on back of check)
- The payee of the check is not you nor a joint account owner on the account
Helpful tips for submitting your Mobile Deposit:
- Make sure you have good lighting.
- Place the check on a dark background when taking the picture so that there is contrast between the check and the background. Avoid a white background for light colored checks since this makes it difficult for the system to find the check edges.
- Smooth out corners and folds on checks.
- Keep hands clear of the check while taking the pictures.
