You may use the PeoplesBank Mobile Access App to deposit checks if:
If you are enrolled in PeoplesOnline Banking, simply use your username and password to log in to your accounts through the PeoplesBank Mobile Access App. There is no additional registration needed. If you are not a current user of PeoplesOnline Banking, please register for PeoplesOnline Banking first at www.bankatpeoples.com. For assistance, call us at 413.538.9500 or email [email protected].
Checks made payable to the account owner or joint owners that have been properly endorsed with “For Mobile Deposit Only” and the owner’s signature can be deposited to checking, savings or money market accounts.
PeoplesBank Mobile Deposit is available for most Android and iPhone devices. To begin depositing checks anywhere, anytime, please follow these steps:
PeoplesBank Mobile Deposit works on most Apple and Android devices with the PeoplesBank Mobile Access App.
* If you are not a current user of PeoplesOnline Banking, please follow the instructions to register for PeoplesOnline Banking first. For assistance, call us at 413.538.9500 or email [email protected].
* If you are not a current user of PeoplesOnline Banking, please follow the instructions to register for PeoplesOnline Banking first. For assistance, call us at 413.538.9500 or email [email protected].
Please refer to our Fee Schedule to learn more about charges for using PeoplesBank Mobile Deposit. Regular transaction fees associated with your account(s) will apply. There may be additional data costs related to accessing the PeoplesBank Mobile Access App from your mobile device. Please check your wireless plan or verify with your wireless carrier.
You can deposit one check at a time and up to 15 checks per day.
You can use Mobile Deposit 24 hours a day, including weekends and holidays.
Yes. Accounts currently have daily and monthly limits. PeoplesBank customers who have held accounts for less than 90 days have a daily limit of $1,000 and a rolling 30-day limit of $3,000. Customers who have held accounts for 90 days or more have a daily limit of $3,000 and a rolling 30-day limit of $10,000. Limits are subject to change at management’s discretion.
All images are reviewed for clarity and completeness. If an error is detected, the App will prompt you to retake the photo. Follow these tips to help ensure that a good photo is taken:
Once you submit a deposit, you will receive a notification within the app and an email confirmation from [email protected]. In some instances, your deposit will need to be reviewed by our operators before it can be processed. If your check needs further review, you will receive a follow-up email with a status update, once it has been processed.
Mobile Deposits are reviewed and processed by 4:00 p.m. each business day. Funds from approved deposits made before 4:00 p.m. will be posted to your account by the next business day. Funds from approved deposits made after 4:00 p.m. (or on weekends or holidays) will be posted to your account within two business days. All deposits are subject to review, and funds from your deposit may not be available for immediate withdrawal subject to the Funds Availability disclosure provided during account opening. Once deposits are processed, you will see the deposit in your account via PeoplesOnline or through the PeoplesBank Mobile Access App.
After you receive confirmation that your check has been accepted for processing, store the paper check in a safe place. After seven calendar days, and verification that funds have been deposited into your account, write “VOID” on the face of the check and destroy the check.
If your mobile deposited check is rejected for any reason, you will receive notification in the app and via email from [email protected]. Depending on the reason, you may be able to deposit that item at a PeoplesBank branch or ATM. For example, items that exceed the dollar amount limits or are unreadable by the software can generally be accepted in person or at the ATM. Please note that if you are attempting to deposit a third party check, or if the check is altered or incomplete, we will not accept this item for deposit by any means.
If you enter the wrong dollar amount, you will receive the following message immediately - “Deposit submitted with status: Needs Review, Low confidence on the recognized amount.” Once the check is reviewed, you will receive a status update via email from [email protected]. If the check is rejected, you will need to re-submit with accurate dollar amounts.
There may be instances when the application will not recognize your item for deposit. If that occurs and you are unable to complete a deposit using the PeoplesBank Mobile Access App, please take the item to the nearest PeoplesBank ATM or branch location for deposit.
If the same deposit is submitted twice, it will be identified and stopped by our process. Should this occur, the second (duplicate) check will be reviewed and rejected immediately.
PeoplesBank offers extensive security features to ensure that you can conduct your banking in a safe and private online environment. Our Mobile Access App is just as secure as our PeoplesOnline Banking service. Anything you do while logged on to the app is encrypted by industry-standard SSL encryption, preventing cell phone "scanning" or other attempts to eaves-drop. No check images are stored on your phone. However, it is your responsibility to protect your remote device and security credentials from unauthorized access. You assume the entire risk for the fraudulent or unauthorized use of your security credentials.
There are some simple steps you should take to ensure the security of your information and protect your privacy when you use the PeoplesBank Mobile Access App.
Use your phone's built-in lock function – set a password-protect for start-up or time-out.
If your phone is lost or stolen, it is unlikely that someone could access your account information unless they also know your PeoplesOnline Banking username and password. However, to be safe, you should contact PeoplesBank as soon as possible by calling 413.538.9500.