Mobile Deposit

Mobile Deposit Enrollment

Complete a Mobile Deposit Application and submit it through our Secure Messaging Center to new.accounts@bediasbank.com. Alternatively, you may mail or deliver the application in person to one of our locations. Once approved, you can begin depositing checks from your Apple or Android device.

Requirements

Customers must meet the following criteria to use Mobile Deposit:

• All accounts must be in good standing
• The account must be open at least 6 months (if it is the customer's first account with FSBB)
• Must be enrolled in Online Banking
• Must have no more than 4 chargebacks in the last 6 months

This service may be denied at FSBB’s discretion if requirements are not fulfilled.

Eligible Items

FSBB Mobile Deposit may only be used on checks drawn on U.S. banks in U.S. dollars. Our Mobile Deposit service may not be used to deposit:

• Checks that are older than 6 months or are post-dated
• Checks payable to any person or entity other than the customer with FSBB Mobile Deposit access (i.e. payable to another party, then endorsed by a customer using mobile deposit)
• Checks payable to the depositor and another party who is not a joint owner on the account
• Checks that contain evidence of alteration, are suspected or could be suspected of fraud, or otherwise unauthorized by the owner of the account on which the check is drawn
• Deposits which exceed FSBB's Mobile Deposit Policy's daily or rolling 30 day limit

Fees

You agree to pay for the service as set forth in our fee schedule and as fee changes may occur.

Deposit Limits

FSBB reserves the right to set and adjust limits on the total amount and number of deposits made through Mobile Deposit over specified time periods. The current daily mobile deposit limit is $5,000, which may consist of one or multiple items.

Funds Availability

Deposits received and confirmed before 3:00 PM CST on a business day are processed the same day, with $200 available immediately and the remainder available the next business day. FSBB may place holds on mobile deposits at its discretion.

Business days exclude Saturdays, Sundays, and federal holidays. Mobile Deposits are not considered electronic direct deposits and are subject to FSBB’s Funds Availability Policy.

Indemnity

By using FSBB's Mobile Deposit service, you agree that:

• You will only submit checks you are authorized to deposit, with all required signatures
• The images you submit meet FSBB’s quality standards
• You will not submit images of the same check or item more than once, nor deposit or negotiate the original check with FSBB or any other party
• All information and images you provide are accurate and complete, fully reflecting the front and back of each item at the time of scanning
• You will comply with FSBB’s Mobile Deposit Terms and Conditions and all applicable rules, laws, and regulations
• You will use the service solely for your own deposits and will not permit third-party use, including through service bureaus or timesharing arrangements

You agree to declare and hold FSBB harmless from any loss for breach of this warranty provision of the terms of the addendum.

Disclaimer: Online and Mobile Banking are subject to service provider fees, additional terms and conditions, and/or additional fees.