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Mobile Deposit FAQs

 These frequently asked questions are available in PDF format here.

What do I do with the check after I have deposited it via MidWestOne Mobile Deposit?

1. Store the check in a safe and secure location. Ensure no one else tries to deposit it.

2. After at least 5 business days have passed, and no more than 14, destroy the check.

When will I see the deposit in my account activity? When will funds be available?

All MidWestOne Mobile Deposits are subject to review and approval. Holds may be placed on deposits or deposits may be rejected, for various reasons. Funds from mobile deposits that are made before 6:00PM CST on a business day we are open will be available the following business day if approved by us. On Christmas Eve Day and New Years Eve Day, deposits must be made by 12:30 PM CST in order to be available the following business day if approved. If a hold is placed on your deposit and availability of the funds is delayed, you will be notified by us via e-mail.

Why am I receiving an error that my endorsement cannot be detected?

The Mobile Deposit system is having difficulty finding your endorsement signature. Try capturing an image of the check with the endorsement on the other side.

Is there a limit on how much I can deposit via MidWestOne Mobile Deposit?

Yes, items deposited through the Mobile Deposit service must be no more than $2,000.00 in value. The daily limit for Mobile Deposit is also $2,000.00. Items made payable for more than this amount will not be accepted through Mobile Deposit and must be deposited at your local MidWestOne branch or at a deposit enabled ATM.

Is there a fee for making deposits via Mobile Banking?

We do not charge a fee for deposits made through Mobile Deposit at this time. However, fees may apply if the deposited item is returned to us. Data charges from your cell phone service provider may apply.

How can I check the status of my deposit?

1. Launch your MidWestOne Bank app.

2. Select the Deposits tab to access Mobile Deposit.

3. Select the View Deposit History option.

You can view the original image from the deposit by selecting the View Check option.

What do the different deposit statuses mean?

 Deposit Pending / Pending Review / Under Review / Submitted

The images of the deposit have passed the initial quality test. The deposit is undergoing additional review.

 Deposit Accepted / Delivered

We have completed our review of the deposit and it is being processed. Please note the deposit statuses will not update from Pending to Accepted until after the processing cutoff time of 6:00 PM CST on business days we are open.

   Deposit Failed:

The image was rejected. There are several reasons this may occur including poor image quality, duplicate item, or insufficient information on the check. If a deposit is initially Pending and switches to Failed, it means it did not pass our final review. If an item is rejected after being in Pending status, you will be notified via e-mail.

These statuses only indicate the status of the item in the Mobile Deposit process. If an item is in Accepted status, it will be sent through the check clearing system and may still be subject to a return.

Do I need a deposit ticket?

No, a deposit ticket is not needed for Mobile Deposits. Please only capture an image of the check.

Should I delete the image of the check from my phone?

No, the image is never stored on your device; therefore, it is unnecessary to delete it.

Can I deposit more than one check at a time via Mobile Banking?

Only one check can be deposited at a time. However, you can deposit multiple checks by making separate deposits. Please keep in mind the total amount of deposits allowed through the service in one day is $2,000.00.

What if I accidently deposit the same check twice?

The duplicate deposit will be rejected by MidWestOne.

What if I cannot capture a quality image of my check?

The background design or font of some checks may make it impossible to deposit the item via Mobile Deposit. If you deposit is rejected multiple times in Mobile Deposit, please deposit the item at your local MidWestOne branch or at a deposit enabled ATM. We apologize for the inconvenience.

What types of checks can I deposit via Mobile Banking?

Only checks drawn from accounts held at institutions within the United States and payable in U.S. Dollars are accepted. The following types of items will not be accepted via MidWestOne Mobile Deposit:

Foreign checks 

Traveler’s Checks

Money Orders

Checks payable to anyone other than you

If I need help, who can I contact?

Feel free to stop by any of our convenient branches or to call us at 1-800-247-4418.