Welcome to Covenant Bank

Mobile Deposit FAQ


Q: How does Mobile Deposit work?

A: Mobile Deposit permits users to deposit checks and some types of money orders while logged on to Covenant Bank's Mobile Banking. Simply take a picture of the front and back of the check with the mobile device camera function.

Q. What types of mobile devices may be used to make a Mobile Deposit?

A: Apple® iPhone®, Apple® iPad®, Android™ phones and tablets.

Q. Is Mobile Deposit safe and secure?

A: Yes, Covenant Bank uses Industry-Standard SSL protocol and State-of-the-art 256-bit encryption. No personal data or account numbers are accessible or stored on your mobile device. No check images are stored on your device.

Q. What fees will be charged for me for using Mobile Deposit?

A: This service is free for Covenant Bank clients.

Q. How do I enroll in Mobile Deposit?

A: Once you have enrolled in Covenant Mobile Banking and have downloaded the app on your mobile device, you are enrolled in Mobile Banking. To add the Mobile Deposit service to your app, contact a Covenant Bank representative at (267)327.4910.

Q. Is there a dollar amount limit or restriction for checks deposited via Mobile Deposit?

A: There is no restriction on the dollar amount that may be deposited*.

Q: How do I endorse a check to be deposited via Mobile Deposit?

A: Every check deposited via Mobile Deposit needs your endorsement along with the phrase "Mobile Deposit Only" clearly printed below the endorsement.

Q. Can I deposit a check that is not payable to me?

A: No. All deposited items must be payable to you.

Q. How do I know if my deposit went through successfully?

A: After submitting your deposit, you should receive a deposit notification on your mobile device. Please note that this does not necessarily mean that the check was successfully submitted. To ensure that your deposit was successfully processed, please refer to the email notification that will explain the following: that the deposit was accepted and successful OR that the deposit was received and the amount adjusted OR that the item was rejected. If rejected, you are not able to resubmit the check through Mobile Deposit again, and must come into the branch office OR mail the check to the bank to be deposited.

Q. What if I receive an error message or I am unable to log on?

A: The error message should clearly indicate the cause of the error. If you still experience problems, please contact Covenant Bank at (267) 327-4910 during normal business hours.

Q. When do I receive credit for a deposit successfully completed via Mobile Deposit?

A: If you deposit the check before 8:00 PM E.S.T., you will receive credit in your account the next business day. In some cases, it may take longer; i.e. if the dollar amount doesn't match the check, or if the image quality was not acceptable.*

Q. What do I do with my check after it has been deposited via Mobile Deposit?

A: Keep the check in a secure location for at least 7 days AND verified the deposit has been properly credited to your account, then shred and discard the destroyed check.


*Agreements/Disclosures


Link to our Twitter Account Link to Our Facebook Page Link to Linkedin website