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All checks deposited in a consumer account must be endorsed with the following:

• Back of check: Your signature

All checks deposited in a non-consumer account must be endorsed with the following:

• Back of check: Business Name

The endorsement requirements listed above, along with standard check completion requirements are required for ALL checks to successfully be accepted through the Mobile Deposit feature on the JD Bank Mobile App. Standard check completion requires the following fields be completed accurately and entirely: Date / Dollar Amount (numerical) / Payee Endorsement / Pay to the Order Of / Dollar Amount (written) 

Mobile Deposit Capture allows clients to deposit checks quickly and easily from an iPhone, Android phone, or iPad into a deposit account. Using the camera function on your device, you take a picture of the front and back of your check.

Convenience is the major benefit for this service. Mobile Capture allows you to make a deposit at any time. 

Mobile Deposit Capture is available to any personal or business account client who has an iPhone, Android phone, or iPad and is enrolled in Online Banking and Mobile Banking. 

There is not a fee associated with Mobile Deposit Capture.

If you are already accessing Mobile Banking on your iPhone, Android phone, or iPad, then you may currently access the Mobile Capture feature by selecting the Deposit Menu item once you log in to your Mobile Banking. If you do not see the Deposit feature in Mobile Banking, then please call your local branch to have the service activated. If you are not currently accessing Mobile Banking, just download the JD Bank app from the Apple’s App store or Android’s Play store on your mobile or mobile computing device. Your Online Banking login credentials will be required along with a challenge question. Once these steps are completed, you are now ready to use Mobile Banking. 

Checks made payable to you drawn on a bank within the United States can be deposited through Mobile Deposit Capture. The following types of checks cannot be deposited through Mobile Deposit Capture and must be presented within a branch office:

• Federal Government Checks (i.e. Treasury Check)
• Money Orders
• Traveler’s Checks
• Savings Bonds
• Bank Drafts
• Remotely Created Checks
• Convenience Checks
• Temporary/ Starter Checks
• HELOC Access or Credit Card Cash Advance Checks
• Cashier/ Official Checks not drawn on JD Bank
• Comdata Checks
• Others listed in JDMobile Remote Deposit Capture Service Agreement at http://www.jdbank.com/terms-and-conditions.html

You may make a mobile deposit by logging in to Online Banking through the App on your mobile or mobile computing device.

1. Select Deposits menu item
2. Select New Deposit
3. Select the account to deposit the funds to
4. Enter the deposit amount of the check
5. Select Continue
6. Take a picture of the front and back of the check (after each image is taken, you may select Use Photo or Retake). Hold device flat above the check and keep all four corners visible.

Only one check per deposit is allowed. 

There is a $2,000 per calendar day limit. 

Yes, as long as you have not exceeded the $2,000 daily limit on each account.

No. Deposit limits are set the same for all customers. 

You may verify your item was submitted by viewing the Deposit History details on the App. 

Deposits are made available generally within the two (2) business days. You may review your account history to verify the item has posted to your account.

After you verify that we have received and accepted the item, as reflected by the “Delivered” icon located directly to the left of the “Deposit History” details on the App, and after you verify that the item has posted to your account, you must securely store the original check for 5 business days after transmitting the image to us. Promptly after the 5-day period expires, you will destroy the original check by first marking it “VOID” and then destroying it by cross-cut shredding or another commercially acceptable means of destruction.

Delivered – Your item has been reviewed and processed and you may review your account history to verify the item has posted to your account. Rejected – Your item was rejected. You may 1) Review for cause and make necessary correction(s) or 2) Bring the item to any branch office for review/ deposit Submitted – Your item has been submitted but has not been posted to your account at this time. You may check Deposit History at a later time to review your deposit status. Pending – Your item is under review and has not been accepted at this time. You may check Deposit History at a later time to review your deposit status. Other – Your item has not been accepted, rejected, or reviewed at this time. You may check Deposit History at a later time to review your deposit status. 

Please contact 1-800-789-1335 or any JD Bank branch.