If you have heard about mobile deposits but haven’t tried using them yet, you don’t know what you are missing! The convenience of depositing checks is literally at your fingertips. With the First Bank of the Lake Mobile Banking app, it's easy, fast & FREE! It's as simple as point, click, done. Deposit checks anywhere and anytime. It's the fastest, easiest way to get checks into your account AND it is safe and secure.
At First Bank of the Lake, we would like to tell you a little more about how to make mobile deposits and answer some frequently asked questions. Read on to learn more. If you have any questions that we do not answer in this blog, please give our bank at the Lake of the Ozarks a call at (573) 348-2265. We are here to help with all your banking needs.
How does it work?
Depositing checks has never been easier. Once you downloaded the FBOL mobile app, simply launch it on your phone and select Deposit. To deposit a check, choose the account to make your deposit. Then enter the amount. Sign the back of your check with your signature and the endorsement For Mobile Deposit Only at First Bank of the Lake. Now, take a photo of the front of the check. Photograph the check against a background that gives you strong contrast. Ensure the entire check is visible, in focus, and well lit. When ready tap the camera icon to snap your picture. If it’s clear, use it. Repeat this process for the back of the check. Once both images have been captured make your deposit. That’s it!
Is it secure?
Yes, depositing checks with Mobile Deposit is safe and secure. Every deposit you make is password protected and highly encrypted. In fact, our mobile login uses the same multi-layer security that’s used as if you’re logging in from your desktop computer. We confirm your credentials along with the device you are using. You can also securely sign in with Touch ID® and Fingerprint Authentication
What types of checks can I deposit?
You can deposit checks payable in U.S. dollars, including
personal, business, and most government checks. Checks must be payable to and
endorsed by the account holder.
The following are not eligible for mobile deposit: International Checks, U.S. Savings Bonds, U.S. Postal Money Orders, MoneyGram, Federal U.S. Treasury Checks, remotely created checks (whether in paper form or electronically created), convenience checks (checks drawn against a line of credit), and cash, etc.
When will my funds be available?
Generally, mobile deposits received and accepted on a business day before 4 pm CT will be available that business day.
What should I do with my check after I deposit it?
It's recommended that you write a note on the original document reminding you that the check has been deposited. Then, store the document until you’ve confirmed it's been accepted. We recommend securely holding on to your check for 30 days (or at least 7 days) after you deposit it in case we need more details from you.
How will I know if my check was deposited?
You’ll receive an email notification confirming that we’ve received your deposit and another email when we’ve accepted it for processing. Or you can view your Mobile Deposit History in the app. There you will be able to see your deposits pending, failed, and those which have been accepted.
How do I get started?
To get started with Mobile Deposit, download the FBOL mobile
app and enroll your checking or savings account(s). To use Mobile Deposit, you
must first be enrolled in Online Banking. Not enrolled in Online Banking? No problem!
Just go to https://www.fblake.bank/for-you/mobile-deposit
and click on the yellow Enroll Today button.
If you're already enrolled in Online Banking, just follow these
steps:
- Go to
the Apple Store or Google Play.
- Search
for First Bank of the Lake or FBOL mobile.
- Download
the FBOL mobile app.
- Enter your Online Banking User ID & follow the prompts. It’s that simple!
With Mobile Deposit, making a deposit on the go is a snap!
As your hometown bank in Osage Beach, we know your
time is valuable. You have better things
to do with your time than to make a trip to the bank every time you receive a
check. You also want to have access to
your money as quickly as possible, and you want your financial accounts and
information to be safe and protected. Having
the option of making a Mobile Deposit at Lake of the Ozarks makes
banking quick, easy, and secure. So, skip the trip and use Mobile Deposit today! For more information feel free to explore our
website at https://www.fblake.bank/ or contact
us here at First Bank of the Lake.
You can also follow us on social media to stay up to date on the latest
tips and information about banking at the Lake of the Ozarks.
(573) 348-2265
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