Mobile Banking & Check Deposit

Bank 34 Online Banking clients who are at least 18 years of age, maintain an eligible consumer checking, savings or money market account, and who have accepted the Mobile & Tablet Terms and Conditions are eligible to use Mobile & Tablet Check Deposit. Enrollment is subject to availability.

To access Mobile or Tablet Check Deposit through the iPhone®, iPad® or Android™ device, you must have at least one eligible Bank 34 Consumer Checking, Savings, or Money Market account. Download our app on the Apple App Store or Google Play.

If you have our Mobile Banking app downloaded already, you will need to download the new version of the app to receive the new check deposit feature. If you do not download the new app version, your existing apps will continue to work as normal but will not have the new check deposit feature. Most mobile users have their device set to inform them and/or auto-update when a new app version is available.

Our app is free, standard rates and fees may apply from your wireless carrier. App Store is a service mark of Apple Inc. Android is a trademark of Google Inc

There is no additional fee for using Mobile & Tablet Check Deposit, but we recommend you check with your service provider if there are any wireless carrier fees.

1. First time login – after you have downloaded the mobile app, login and choose to [accept] the disclosure and agreement.
2. Click on the [Deposit Checks] option.
3. Use the [Select an account] dropdown to choose the deposit account. You can choose to set up more than one checking account for remote depositing.
4. Click [Enter an amount] to enter the deposit amount for the check.
5. To begin taking pictures of the check, select [Front of check] to activate the camera on the smartphone.
6. Follow the instructions to line up the check correctly, then select the device’s [Camera icon] to take a photo of the front of the check.
7. After clicking, you will return to the Check Deposit menu to see a small image of the front of the check. Now select [Back of check].
8. Then follow the same steps to line up and photograph the back of the check.
9. You will return to the Check Deposit menu to see images of both the front and back of the check. They can now click [Deposit check] to deposit the check to their selected account.
10. When you received the “Success” screen, you may choose to have the confirmation number and deposit overview sent to your email.

You will receive a registration email with your per deposit limit, daily deposit limit, and rolling 30-day deposit limit.

• Most U.S. personal checks
• Most U.S. business checks
• Most Federal/Government/Treasury checks
• Most cashier’s checks
• Checks must be from a U.S. institution and in U.S. dollars.
• They must also be payable to, and endorsed by the account holder.

U.S. Savings Bonds, U.S. postal money orders, international/foreign checks, remotely created checks (whether in paper form or electronically created), convenience checks (check drawn against a line of credit), many rebate checks, and cash are not eligible for Bank 34 Consumer Mobile & Tablet Check Deposit.

Please keep the original check for 15 Business Days after you have deposited it. This allows sufficient time in case the original check is required for any reason. Once 15 Business Days have passed and you have verified that the money has been credited to your account, you should shred the check before destroy it. Do not attempt to deposit the check again.

It could be because the image wasn’t clear enough. Keep hands clear of the check when photographing. For best results, lay your check on a flat, dark surface in a well-lit area. Hold the camera steady and make sure all four corners of the check are captured in the picture. To avoid a deposit error, make sure the check is not folded or torn. Also, make sure you have endorsed the back of the check. Last, make sure the entered amount matches the amount on the check.

Deposits are subject to verification and funds may not be available immediately.

Once you’ve made your deposit, you’ll see the item pending in your Mobile App for credit the next day. The pending item will post in nightly posting.

The cut-off time for Mobile and Tablet Check Deposits are 4:00 pm MST in order to make the nightly posting and receive next day credit, provided there are no issues.

If there is a problem with the transaction, like insufficient funds or potential fraud, you will receive an email asking you to bring the check to a bank office location to resolve the issue.

For your added protection, the images of your checks are stored at the bank and not on your mobile phone.

All data exchanged between mobile web banking and mobile banking apps servers is protected in transit using SSL. All offerings provide strong password requirements and aggressive idle timeouts.

To help prevent unauthorized access to your mobile accounts, we use out-of-band multifactor authentication to authenticate users at login.

To help reduce the threat of having a banking session hijacked and manipulated by attackers, mobile banking uses cookies and device identification to fingerprint mobile devices.

Because challenge questions can be discovered or guessed easily, we use one-time passcodes (OTPs) sent out of band using SMS or phone calls instead.

Tablets have many of the same weaknesses that are observed in other mobile devices. For this reason, all security restrictions that apply to phones also apply to tablets.

If your mobile device is lost or stolen after authentication, the account cannot be accessed without the username and password.