PeoplesBank Mobile Deposit Frequently Asked Questions

Who is eligible to use PeoplesBank Mobile Deposit?

You may use the PeoplesBank Mobile Access App to deposit checks if:

How do I register for PeoplesBank Mobile Deposit?

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 info@bankatpeoples.com.

What items can be deposited?

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.

What items cannot be deposited?

How do I make a mobile deposit?

PeoplesBank Mobile Deposit is available for most Android and iPhone devices. To begin depositing checks anywhere, anytime, please follow these steps:

Will PeoplesBank Mobile Deposit work on my phone and/or mobile device?

PeoplesBank Mobile Deposit works on most Apple and Android devices with the PeoplesBank Mobile Access App.

How do I download the PeoplesBank Mobile Access App for an iPhone?

* 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 info@bankatpeoples.com.

How do I download the PeoplesBank Mobile Access App for a Google Android device?

* 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 info@bankatpeoples.com.

How much does PeoplesBank Mobile Deposit cost?

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.

How many checks can I deposit using PeoplesBank Mobile Deposit?

You can deposit one check at a time and up to 15 checks per day.

When can I use PeoplesBank Mobile Deposit?

You can use Mobile Deposit 24 hours a day, including weekends and holidays.

Are there limits to how much I can deposit?

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.

Do you have any suggestions for taking good photos?

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:

How do I know when PeoplesBank has received my deposit?

Once you submit a deposit, you will receive a notification within the app and an email confirmation from noreply-bankatpeoples@rdcselect.com. 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.

When will funds from PeoplesBank Mobile Deposits be available?

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.

What do I do with the check after it has been deposited?

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.

Why was my check rejected? How will I know? And, what are my options if a check is rejected?

If your mobile deposited check is rejected for any reason, you will receive notification in the app and via email from noreply-bankatpeoples@rdcselect.com. 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.

What if I enter the wrong dollar amount?

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 noreply-bankatpeoples@rdcselect.com. If the check is rejected, you will need to re-submit with accurate dollar amounts.

What do I do if the deposit will not process?

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.

What if I submit the same deposit twice in error?

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.

How secure is PeoplesBank Mobile Deposit?

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.

What can I do to protect my security and privacy?

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.

What happens if I lose my smartphone?

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.

Who can I contact for help?

If you require assistance with PeoplesBank Mobile Deposit or have a question, please call us at 413.538.9500 or email info@bankatpeoples.com.