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. Business customers contact a Treasury Management Representative for details. See the FAQs below for more information about this service.


General Questions

Who is eligible for SnapCheck?

Customers who have open online and mobile banking are eligible for the SnapCheck service. Restrictions may apply based on past utilization of the account.

What if an account is not listed in SnapCheck?

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.

What types of checks can I deposit with SnapCheck?

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.

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

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.

Do I photograph both the front and the back of my check?

Yes. During the deposit process, you will be required to photograph the front and back of your check.

How do I endorse my check for SnapCheck?

You should sign your check with your name or business name and “For Mobile Deposit Only at Independent Bank.”

When will the funds be available in the account?

Transactions entered after 8 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; however, we may apply additional delays on the availability of funds based on any other factors determined by Independent Bank at our discretion.

How will I know if Independent Bank received my deposit?

You will receive a notification by email, at the email address you provided during the deposit process, when your deposit has been received

How will I know when Independent Bank processes my deposit?

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.

Can I photograph more than one check at a time?

You can photograph multiple checks in the same session. However, you may only photograph one check per deposit, subject to daily limits.

What if the check photograph is poor quality?

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.

Do I destroy my check after I photograph the deposit?

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.

A check I submitted was returned, can I resubmit it?

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.

If I need additional information on SnapCheck, who can I call?

Please call Customer Support at 800.355.0641.

Do I need a certain type of mobile phone to use SnapCheck?

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.

What type of internet connectivity do I need?

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.

What if the processing time to upload my check is very slow?

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.