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SnapCheck Mobile Deposit
It’s a snap to begin depositing checks through our Independent Mobile app by using SnapCheck mobile deposit. All you need to get started is one of our personal checking or savings accounts and an iPhone, Android phone, or iPad with a working camera. Then follow the simple instructions below.
1. Sign up for online banking (if you haven’t already)
2. Download our Independent Mobile app and set up mobile banking (if you haven’t already)
3. Use the SnapCheck feature located in the Independent Mobile menu under “Check Deposit” or “Deposit”
4. Follow the easy instructions to deposit your check
This service is free for customers with personal checking accounts who sign up for e-statements. Customers who do not have e-statements will receive two free SnapCheck deposits per monthly billing cycle and each additional SnapCheck deposit will cost $.50 per transaction. This service is not available for new account holders until 30 days after the new account is opened. Business customers contact a Treasury Management Representative for details. See the FAQs below for more information about this service.
Customers who have open online and mobile banking are eligible for the SnapCheck service. Restrictions may apply based on past utilization of the account.
In most cases, eligible accounts will automatically be signed up for SnapCheck. If you have an eligible account that has not been enabled, please call us at 800.355.0641 for assistance. Please note that accounts are pre-qualified prior to being authorized for use with the SnapCheck service.
Most domestic checks can be processed through SnapCheck. We are unable to accept money orders, counter checks, foreign items, Savings Bonds, or third party checks through SnapCheck.
Yes, standard transaction limits apply:
• Daily - $3,000
• Per transaction - $1,500
• Multi-day (3 business days) - $5,000
Additionally, limits may vary by customer, may be subject to change, and may require managerial approval.
Yes. During the deposit process, you will be required to photograph the front and back of your check.
You should sign your check with your name or business name and “For Deposit Only.”
Transactions entered after 6 pm ET will be considered for deposit the following business day. Approved deposits made through SnapCheck generally will be available between the first and second business day after the deposit.
You will receive a notification by email, at the email address you provided during the deposit process, when your deposit has been received
When your deposit is processed, you will receive a second email notification on the status of your deposit. This email will indicate if the deposit was approved or declined for processing. If declined, a reason will be provided. This email does not indicate funds are available. Successful deposits made before the daily cut-off time will appear in your account history the following business day.
You can photograph multiple checks in the same session. However, you may only photograph one check per deposit, subject to daily limits.
You 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 mail or deliver your deposit to the bank for processing.
Not immediately: keep the check for 14 business days to ensure it posts to your statement. After 14 business days, you may securely destroy the check. Do not VOID the check after submittal, because if the deposit is not approved it will need to be re-submitted.
If a deposit is returned, please do not re-deposit the check with the SnapCheck service. You will receive written communication from your financial institution through the US Postal Service if a deposit is returned.
Please call Customer Support at 800.355.0641.
Currently supported mobile phones: iPhone or iPad device running iOS 3.1 or higher, or Android device running OS 2.1 or higher, and a camera that supports autofocus.
Your mobile device must have an appropriate data plan that allows the transmission of data over the internet, which may be subject to fees associated with your provider.
The processing from your device to the bank and back is not controlled by the bank. This is dependent upon your device, carrier, memory on the device, and your current connection. Try to improve one or more of these elements and try uploading the check again.