Mobile Deposit FAQs

Snap a photo of your check with your smart phone and deposit directly to your bank account with Mobile Deposit. Learn everything you need to know and get started today!

Mobile Deposit is a service available within American Bank Center’s Mobile Banking Application. It

allows you to deposit checks directly into your American Bank Center account(s) by taking a picture

of a check using your Smartphone.

Mobile Deposit is currently available for the Android (Operating System version 4.1 or higher),

iPhone (Operating System version 5 or higher) and iPad. The phone camera needs to be rear-facing

and 4+ megapixel resolution with flash. Although some different devices will work for the

mobile app, the camera specs may not be considered optimal for capturing images. To troubleshoot

your device, please check the phone specifications online or with your wireless provider.

The entire check needs to be captured between the overlay boundaries on a flat, dark surface to

ensure proper check imaging.

ANDROID Devices - TIP: To capture best image - Tap to focus!

You can securely deposit checks from anywhere, anytime - even if you are not near an American

Bank Center Branch. This saves time and expense by reducing trips to the bank to deposit checks.

Mobile Deposit is FREE for our American Bank Center consumer accounts. Business Customers:

Please contact your eBanking Specialist for more details.

Your standard wireless carrier charges apply.

This will depend on the speed of your connection. Wi-Fi transmission submit times are usually in

the 5-10 second range. The 3G network transmission times range from 10-30 seconds. Weaker

signal strength may result in slower response time.

Yes, you are required to endorse the back of the check you are depositing as “Mobile Deposit” or as otherwise instructed by American Bank Center.
American Bank Center will determine which Mobile Deposit tier that will best suit the needs of each individual customer. As a general rule customer’s can deposit up to 5 checks per day with a maximum limit of 20 checks per month.
American Bank Center will determine which Mobile Deposit tier will best suit the needs of each individual customer. As a general rule customers can deposit up to $2,000 per day with a monthly maximum of $10,000. Business Customers should discuss limits with their Business Banking Officer.

** It is important to track your deposit limits - both count and dollar! If your current deposit puts you over the limits set for daily or monthly deposits your deposit will not be processed. If you have surpassed your monthly limit, the check will then need to be deposited at an American Bank Center branch. Call 701-483-6811 ext 4811 for assistance.

After confirming the check has been deposited into your account, we recommend that you write on the front of the check in ink these words: “Mobile Deposit on DATE” (where DATE is the full date you deposited the check by Mobile Deposit) then securely store the deposited check for a minimum of 30 days. Keep your check in a secure place until you destroy/shred it. You should keep the check for 30 days after deposit to provide sufficient time should the original item be required for any reason. After 30 days it is ok to destroy the check.

You can deposit checks at any time. Deposits made through Mobile Deposit will memo post to your account but funds from items deposited will be available according to the American Bank Center Funds Availability Policy, as amended from time to time. The funds availability policy is available at any community office of American Bank Center for your review.

American Bank Center will require a deposit to be made by 7 P.M. CST via Mobile Deposit to post with an effective date of the day of deposit. If you deposit the check after 7 P.M. CST it will post the following business day.  Please Note:This will only post same day if there are no discrepancies with the deposit that need to be addressed. 

  • Any check or item payable to any person or entity other than you;
  • Items that are drawn on your own account here at American Bank Center (either personal or business affiliated account);
  • Any check or item containing an alteration on the front of the check or item, or which you know or suspect, or should know or suspect is fraudulent or otherwise not authorized by the owner of the account on which the check or item is drawn;
  • Any check or item payable jointly, unless deposited into an account in the name of all payees;
  • Any check previously converted to a substitute check, as defined in Regulation CC;
  • Any check drawn on a financial institution located outside the United States;
  • Any check that is a remotely created check, as defined in Regulation CC;
  • Any check not payable in United States currency;
  • Any check dated more than 6 months prior to the date of deposit;
  • Any check or item prohibited by American Bank Center’s current procedures relating to RDA or which is not acceptable under the terms of your American Bank Center account;
  • Any check payable on sight or payable through draft, as defined in Regulation CC;
  • Any check not properly endorsed as specified in this Agreement;
  • Any check that has previously been submitted through the Service or through a remote deposit capture service offered at any other financial institution;
  • Any check or item drawn or otherwise issued by the U.S. Treasury Department.

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