REMOTE DEPOSIT ANYWHERE (RDA) FREQUENTLY ASKED …

REMOTE DEPOSIT ANYWHERE (RDA) FREQUENTLY ASKED QUESTIONS

What is Remote Deposit Anywhere?

With First Bank & Trust Company Remote Deposit Anywhere (RDA) you can deposit paper checks into eligible checking or savings accounts using the First Bank & Trust Company mobile app on supported iPhone and Android mobile devices. You must be an active Online Banking customer and enrolled in Mobile Banking to access Remote Deposit Anywhere.

Is there a charge for the Mobile Deposit Service?

No, this service comes to you at no charge from First Bank & Trust Company.

What type of mobile device do I need?

The RDA service is available on the below iPhone and Android mobile devices:

iPhones ? or iPads ? with iOS 5.1.1 or higher AndroidTM mobile devices with Android 2.2, 2.3, 4.0 or higher

Please note some devices may not be capable of running the app; so you will want to confirm it works on your phone the first time you use it.

Do I need to endorse the check when I use Remote Deposit Anywhere?

Yes! Endorse the check as you normally would and write, "For Remote Deposit" under your signature.

Do I need to use a deposit slip to make a deposit through Remote Deposit Anywhere?

No, we will use what is called a substitute (or electronic) deposit slip to post the deposit to your account. You will only need to take a picture of the front and back of the check being deposited.

Are there limits to the number and amount of items I can deposit using Remote Deposit Anywhere? Yes. There is a daily limit of five items and / or $1,000, and there is a monthly limit of 15 items and / or $5,000. However, if you have a valid business reason for needing to exceed these limits, please contact your local First Bank & Trust Company office.

What type of checks can I deposit?

You may deposit the following types of checks using RDA:

Checks drawn on a United States bank that are made payable to the account owner, and payable in U.S. currency For instance, John Doe has a personal account and a business account, Expert Lawn Care. If the check is made out to Expert Lawn Care, it must be deposited to the Expert Lawn Care account, not John Doe's personal account.

Are there checks I cannot deposit?

You should not submit the following types of checks using RDA service:

Checks payable to any person or entity other than the name listed on the account Checks payable jointly, unless deposited into an account in the name of all payees shown on the check Checks containing obvious alteration, or which you know or suspect are fraudulent Foreign checks (non- U.S. checks) Checks dated more than six (6) months prior to the date of the deposit Checks drawn on a credit card

When will my mobile check deposit funds be available?

All Mobile Banking deposits that are submitted and accepted prior to 5 PM ET on any business day will be credited to your account the next business day (provided no hold is placed and the deposit is not rejected). Business days are Monday ? Friday, excluding federal holidays. Note: A hold may be place on items deposited through RDA on a case-by-case basis which would delay the availability of funds. If we choose to place a hold on an item, we will notify you via email. Your deposit will not display in online / mobile banking until the funds are available.

I received an image quality error message after taking photos of the front and back of my check. What should I do?

You will be required to re-take the photos of the front and back of your check in order to submit your deposit. Consider the following tips for taking high quality photos to ensure your deposit is successful:

Ensure good lighting Use a dark background behind the check Make sure only the check is visible in the frame Make sure the entire check is in the frame Make sure the image is focused and not fuzzy Make sure the image of the check is centered in the camera, and not taken at an angle Flatten folded or wrinkled checks before taking photos

If you continue to experience problems, please visit your local First Bank & Trust Company office to make the deposit in person.

What do I do with the check after I deposit it through RDA?

You should keep the check in safekeeping for at least 30 days after the image has been transmitted. After 30 days, mark the check "VOID" and shred it, or otherwise render it incapable of future transmission, deposit or presentment. This allows adequate time to ensure the image quality will be accepted by the bank on which the check is drawn.

My check was rejected. Why?

There are several reasons we may reject a check. Typical reasons that a check may be rejected include:

Your check did not meet the requirements outlined above in FAQ, "What type of checks can I deposit?" Your check was previously deposited You exceeded your daily or monthly deposit limit The image quality was poor

You will be notified via email or phone by First Bank & Trust Company if your deposit is rejected. You may choose to resubmit your check image or deposit the original paper check at your local First Bank & Trust Company office. As with any other deposit account, if the check is fraudulent or returned for any reason, you will be held responsible.

May I enroll more than one account for RDA?

Yes, you may enroll as many First Bank & Trust Company checking or savings accounts as you would like for RDA. If a deposit account does not appear as an option, please contact your local First Bank & Trust Company office.

I deposited my check to the wrong account. What should I do?

If you accidentally deposited your check into the wrong account in your account list, once the deposit becomes available, you may transfer the funds using Online Banking, Mobile Banking, First Call 24-Hour Phone Banking or in person at your local First Bank & Trust Company office. Note that if the check was not made payable to the owner of the account that it was deposited into, it may be rejected. Please call your local office of First Bank & Trust Company if this occurs.

The Mobile Banking app closed while I was making a deposit. What should I do?

If your mobile banking app stops working, you may have too many apps open and running at the same time. We recommend you completely close all open apps before making a deposit if you are experiencing difficulties. When you reopen the app, make sure your deposit was completed if the app closed during processing by selecting Review Deposits under the Deposits option in the Mobile Banking app.

I am locked out of the First Bank & Trust Company mobile banking app. What should I do?

If you incorrectly enter your password three times, you will be locked out of your First Bank & Trust Company mobile banking account. To unlock your account, call 276-623-2323 extension 506. The request may take up to 48 hours to process.

My phone was lost or stolen. What should I do?

While another person using your phone would need to know your First Bank & Trust Company Mobile Banking username and password to access your deposit information, we still encourage you to notify First Bank & Trust Company. We can disable Mobile Banking access from your device. Once you find your phone, or purchase a new phone, we can re-enroll you for the service to regain access. You also have the ability to disable or enable Mobile Banking from your Online Banking account at any time you wish.

Account eligibility requirements apply. Data charges may apply ? contact your wireless service provider for details. Must have an active First Bank & Trust Company account and must use a supported, camera-equipped mobile device with the First Bank & Trust Company mobile banking app installed. Fees and other restrictions may apply. Remember, you must be an active Online Banking customer and enrolled in Mobile Banking to access Remote Deposit Anywhere.

 ................
................

In order to avoid copyright disputes, this page is only a partial summary.

Google Online Preview   Download