VisionBank of Iowa

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Mobile Deposit - Frequently Asked Questions

If your questions are not answered below, feel free to call us at 800-574-8123 or email us at, or visit any of our conveniently located branches.

What types of checks can I deposit with Mobile Check Deposit?

Only checks drawn on institutions located in the United States can be processed through Mobile Check Deposit. We are unable to accept checks made payable to any person or entity other than you. Money Orders and Travelers Checks will not be accepted through Mobile Check Deposit.

Are there any limits on the dollar amount of deposits I can submit?

Yes. You may not deposit more than $5,000 per check and not more than $10,000 per day.

Why can't I see all my accounts listed as options for deposit?

The accounts listed are those that you selected in your Online Banking set up to be available in mobile banking. To add additional accounts, log on to Online Banking and click the "Options" tab to make changes under "Mobile Banking Profile."

How do I endorse and photograph my check for Mobile Check Deposit?

You should sign your check (by hand) with the following endorsement:

For Mobile Deposit At VisionBank Only
Payees Signature (Your Name)

During the deposit process, you will be required to photograph the front and back of your check. Taking quality photos of the check is the best way to make mobile check deposit quick and easy. When taking the photos, make sure of the following:

  • there is good lighting

  • there is flat, dark (or contrasting) background

  • all four corners of the check are entirely in the frame; if possible, only the check should be visible (no other objects or edges)

  • keep a steady hand to get a clear, in-focus photo

You do have the option to retake photographs of the check before submitting or you may cancel the deposit. If you are unable to photograph a clear image, please deposit your check at one of our branch locations, ATMs or mail your deposit to VisionBank for processing.

Note: You may deposit multiple checks in the same mobile banking session; however you must photograph each check separately.

How will I know if VisionBank received my deposit? When will my deposit post to my account?

Visit the Deposit History within the Mobile Banking app to see if your deposit has been successfully submitted.

  • "Pending" means the deposit has been received, but is still under review.

  • "Failed" means there was a problem with the transaction and the deposit was rejected.

  • "Accepted" means that the deposit has been received by us and is ready for processing.

Deposits made prior to 4:30 p.m. (CST) on a business day most often will be posted by 6:30 p.m. (CST) when nightly processing has occurred. If the deposit is made after 4:30 p.m. (CST) or on a weekend or federal holiday, it will be processed on the next business day. Once processed, the deposit will post to your account as a "mobile check deposit."

Do I destroy my check after I photograph the deposit?

No. Once the deposit has been approved by VisionBank, mark on the face of the check "electronically deposited on xx/xx/xxxx" and keep the check until it posts to your account. After which, securely destroy the check. Do not VOID the check after submittal in the event the deposit is not approved and needs to be re-submitted.

What if I submitted a deposit for the wrong amount? Or what if I submit the same deposit twice in error?

If you enter the wrong amount, the deposit will be submitted for review and corrected as needed.

If the same deposit is submitted twice, it will be identified and stopped by VisionBank. Should this occur, you will receive a declined deposit notification for the second deposit received through the Mobile Check Deposit service.

What steps have been taken for security?

In addition to login password, we use multiple security layers, including advanced encryption. For added security, passwords and actual check deposit records or images are not stored on the mobile device. Additional ways to ensure security:

  • Protect your password

  • Don't keep your password in a location accessible to others

  • Don't allow others to perform transactions for you

  • Periodically change your password by logging in to Personal Online Banking

  • Notify us if password security has been breached.

Do I need to fill out a deposit ticket and take a photo of it and submit?

No, the VisionBank app creates an electronic image for the deposit ticket

Will the image of the electronic document appear on my statement?

Yes, the image of the electronic credit will appear on the statement, listing the date, online user ID, account number and amount of the deposit.


  1. Mobile check deposits are subject to verification and not available for immediate withdrawal. Other restrictions apply. Message and data rates may apply.
  2. Mobile Banking requires that you download the Mobile Banking app and is only available for select mobile devices. Message and data rates may apply.
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