All FAQs

Mobile Deposit

The Mobile Banking app lets you make a deposit from your iPhone® or AndroidTM smartphone by taking a picture of the front and back of your check. This feature is only available by downloading the Academy Bank mobile app.

iPhone® and AndroidTM devices that meet the following criteria:

  • iOS 4.0 and above
  • Android OS 2.1 and above
  • All devices must have a camera.
  • The minimum requirement for image resolution is 1600 pixels x 1200 pixels. Therefore, the device camera spec must be a minimum of 2mp. Images with lower resolution may pass the image quality verification; however, they may also be rejected more often.
  • Android devices must have autofocus.

BlackBerry smartphones are currently not supported.

The deposit cut-off time is 7:00 p.m. CT, Monday through Friday. If you submit a deposit after 7:00 p.m. or a non-business day or holiday, your deposit will be processed the next business day. Deposits are subject to verification and not available for immediate withdrawal. Deposit limits and restrictions apply.

We accept the following checks through mobile check deposit:

  • Personal checks
  • Business checks
  • Government/Treasury checks
  • Cashier's checks
  • Checks must be from a U.S. bank and in U.S. dollars.

Please only submit checks that are made payable to you. We cannot accept checks made payable to a third party.

To learn how to make a deposit using the mobile app, see our How to Make Mobile Deposits (PDF).

Mobile check deposit offers the same level of security that you have with Online Banking. For added protection, the images of your checks are never stored on your mobile phone.

The funds availability schedule that we provided to you when you opened your account or that we otherwise have made available to you will generally apply to check images that you deposit through the mobile app as if you had deposited the original physical check. However, we may, in our sole discretion, delay availability of funds from any deposit you make through the app. If we delay availability of funds from your deposit, we will notify you by email at the email address provided through your Online Banking enrollment. You may update your email address at anytime through Online Banking, by clicking Mobile & Online Banking Options.

You can deposit checks anytime, anywhere for free with our mobile app. Message and data rates may apply. Such charges include those from your communications service providers.