Mobile Deposit FAQ

What is Mobile Deposit?

Mobile Deposit is a mobile deposit service that allows you to make a deposit by taking a picture of the front and back of the check with your mobile device via the Lincoln Federal Savings Bank mobile app. The app is available for free in the AppStore or on Google Play.

How do I start using Mobile Deposit?

You must first enroll in online banking at lincolnfed.com. You can then download the app to your phone. You must accept the Mobile Deposit agreement prior to making your first mobile deposit.

How do I endorse my check?

Proper endorsement is your Signature along with “For Mobile Deposit only at LFSB".

How is a deposit made?

The Mobile Deposit application is accessed through LFSB Mobile Banking
Select ‘Mobile Deposit’, ‘Deposit a Check’, and enter the deposit account information and check amount. Be sure that you’ve endorsed your check correctly. Select ‘Scan Check’, ‘Photograph Check Front’, ‘Photograph Check Back’, and then ‘Send Check for Deposit’.
The images are reviewed and accepted if processing standards are met.

Do I receive a receipt for the deposit?

Are there limits on the number of items or deposit amounts?

Each check will be deposited as a separate mobile deposit to your account. You can deposit up to five items per day.

When will my deposit be credited to my account?

It may take up to five days to review the deposit. Please keep the check in a secure location until you’ve been notified via email that the check has been credited to your account.

How will I be notified if my deposit is not accepted?

You will receive an email alert indicating that the deposit has been rejected. This email will indicate your next steps. You can also visit the mobile app – Press ‘Mobile Deposit’ – ‘Review Deposited Checks’.

What type of accounts can I deposit to using Mobile Deposit?

What are the fees for using the service?

Lincoln Federal Savings Bank does not charge for this service or the mobile app. The only fees you may incur would be data fees from your mobile service provider.

What should I do with the check once it has been scanned?

Once your deposit has been approved, write VOID on your check.
Please store your check(s) in a safe place for six months from the date of your deposit. In the event of a deposit dispute, LFSB may require presentation of the original check to settle the dispute. After six months, destroy the check using a secure data destruction method (i.e. shredding).
Some mobile devices may store the check image files on the phone. Check with your mobile service provider or phone manufacturer to remove the files or change the settings in order to not store the files when image is taken.

If I see an error in my deposit, who should I contact?

If you see a transaction error, please contact Lincoln Federal Savings Bank at 402-474-1400.

What if I get an error message for bad lighting and/or background?

If you’re having issues capturing the check image, try utilizing a plain background contrasting the check color. Wood grain and marble backgrounds are not recommended.

What types of checks can be scanned for deposit?

Only single-party domestic checks made payable to the owner(s) of the account may be scanned for deposit with Mobile Deposit. Image quality issues can cause a check to be rejected. You are advised to retain the original check for six months and then securely destroy it.