Deposit Checks From Your Phone

A: Mobile Deposit is a feature within Digital Banking that allows you to deposit checks by using your phone's camera.

To use Mobile Deposit

• Log in to your Mobile App.
• For personal accounts, choose Check Deposit at the bottom of the screen. For business accounts, choose More, then choose Deposit Check.
• In the "To" section, select the account you want to deposit to and enter the amount.
• Endorse the check by signing your name on the back. Then print For Mobile Deposit Only, or check the mobile deposit box if available.
• Select the photo icon and capture an image of the front and back of your check.
• Verify the information and select Deposit.

You will receive an email confirmation once a Mobile Deposit has been submitted. A second email will be generated when the deposit has been reviewed to let you know the status of the deposit. An approval email does not guarantee that the funds are available immediately. If we receive your mobile deposit by our Mobile Deposit cut-off time of 8pm CST, Monday through Friday (excluding holidays), we consider that business day to be the day of your deposit. Otherwise, we will consider that the deposit was made on the next business day we are open.

Tips for using Mobile Deposit

• Take photos in a well-lit area
• Place check on a dark surface
• Be sure only the check is in the photo (no fingers holding the check)
• Make sure the whole check is visible in the guidelines; leave a small amount of space between the guidelines and the edges of the check
• Give the camera time to focus before taking the photo; being too close can make the check image blurry
• Tap the center of your screen to get a clear picture
• Make sure the check isn't folded or torn

If you need assistance with using Mobile Deposit, please call Client Care at 1-800-731-2265. For help with business accounts, please call 1-888-899-0521.

A: Within the endorsement area on the back of the check, sign your name and print "For Mobile Deposit Only."

If you need assistance with using Mobile Deposit, please call Client Care at 1-800-731-2265.

A: You can use Mobile Deposit to deposit checks that are payable to you. You cannot use Mobile deposit for the following:

• Insurance draft checks
• Checks payable to a person or entity other than you
• Checks payable to you and another person
• Checks or items drawn on a financial institution located outside the United States
• Checks or items dated more than 6 months prior to the date of deposit
• Checks or items on which a stop payment order has been issued
• Checks written from an account in which there are insufficient funds
• Credit card cash advance checks

If you have questions about checks or items that are accepted through Mobile Deposit, please contact Client Care at 1-800-731-2265.

A: Checks deposited using Mobile Deposit are available for withdrawal based upon our typical funds availability policy. If we receive your mobile deposit by our Mobile Deposit cut-off time of 8pm CST, Monday through Friday (excluding holidays), we consider that business day to be the day of your deposit. Otherwise, we will consider that the deposit was made on the next business day we are open.

Checks written from an Old National account:
If you submit a check written from an Old National account through Mobile Deposit by the 8pm cut-off time, Monday through Friday (excluding holidays), the deposit will be available the same day. In other words, it will be credited to your account and available to cover checks or other debits being processed that night.

Checks written from an account at a bank other than Old National:
If made by the 8pm CST Mobile Deposit cut-off time, Monday through Friday (excluding holidays), these deposits will typically be available the next business day. This means these funds will not be available to cover checks or other debits processed that night. In some cases, an extended hold may need to be placed on a mobile deposit, meaning funds will not be available the next business day. 

Viewing your mobile deposit
You should be able to view your mobile deposit in your Digital Banking transaction history within one to two business days of your deposit.

If you have questions about your Mobile Deposit, please call Client Care at 1-800-731-2265, or take the check into an Old National banking center.

ATM Deposits
As an alternative to Mobile Deposit, many of our ATMs also accept deposits.

A: Yes, there is a $5,000 daily limit and a $25,000 monthly limit for mobile deposits made through the Mobile App for personal accounts. For business accounts, the daily limit is $20,000 and the monthly limit is $100,000.

The monthly limit amount is on a rolling 30-day cycle. As mobile deposits become available to you, they will no longer count toward the limit, making room for future deposits.

If you have questions about Mobile Deposit limits, please contact Client Care at 1-800-731-2265. For help with business accounts, please call 1-888-899-0521.