Mobile Deposit

Mobile Deposit

HBC’s Mobile Deposit allows you to deposit checks simply from your phone.

Mobile Remote Deposit Capture allows you to remotely deposit paper checks from your mobile device to your Home Banking Company account by electronically transmitting a digital image of the paper check to the Bank. There are no fees for using the Mobile Banking Services or the Mobile Remote Deposit Capture. However, your mobile carrier may charge for internet access or text messaging associated with SMS Banking. Contact your mobile device carrier for additional information.


You agree to restrictively endorse any check that is deposited with Mobile Remote Deposit Capture as "Mobile Deposit at Home Banking" in writing and include your signature on the back of the check in the designated area for endorsement purposes or as otherwise instructed by the Bank.

Image Quality

To ensure your check image can be clearly read and understood for review, the following requirements include, but are not limited to:

  • The amount of the check (both written and numeric);
  • The payee;
  • The signature of the drawer (maker);
  • The date;
  • The check number;
  • The information identifying the drawer and the paying financial institution that is preprinted on the check, including the MICR line; and
  • All other information placed on the check prior to the time an image of the check is captured (such as any required identification written on the front of the check and any endorsements applied to the back of the check).

Mobile Remote Deposit Capture Limits

  • Daily Count: 3 deposits per day
  • Daily Amount: $3,000.00 per day
  • Deposit Limit: $1,500 per deposit

Eligible Items

You agree that you will not photograph and deposit any of the following types of checks or other items which shall be considered ineligible items:

  • Checks payable to any person or entity other than you (No multi-party checks).
  • Checks payable jointly, unless deposited into an account in the name of all payees.
  • Checks that are prohibited by the Bank or in violation of any law, rule or regulation.
  • Checks containing an alteration on the front of the check or item, or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn.
  • Checks previously converted to a substitute check, as defined in Reg. CC or other applicable law or regulation or "image replacement documents" that purport to be substitute checks.
  • Checks drawn on a financial institution located outside the United States.
  • Checks that are remotely created checks, as defined in Reg. CC.
  • Checks not payable in United States currency.
  • Checks dated more than 6 months prior to the date of deposit.
  • Checks or items prohibited by our current procedures relating to Mobile Remote Deposit Capture or which are otherwise not acceptable under the terms of your account with us.
  • Checks with any endorsement on the back other than that specified in this Disclosure and Agreement.
  • Checks that have previously been submitted through Remote Deposit or through a Mobile Remote Deposit Capture service offered at any other financial institution.
  • Checks that have been dishonored or returned to you unpaid for any reason.
  • Checks or items made payable to “Cash”.
  • “Money Orders” from any applicable vendor.

Storage, Security and Destruction/Disposal of Transmitted Items

You agree to retain items deposited via Remote Deposit for at least 30 days from the day on which you receive your account statement.

*Certain restrictions apply. Funds may not be immediately available. Please read our Mobile Banking and Mobile Remote Deposit Capture Disclosures and Agreements.

We're Here to Help

Need help making your Mobile Deposit? Please contact us at 731-645-6166 for assistance.


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