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How to Use Mobile Deposit

Mobile deposit is a convenient way to deposit checks through the West Bank app when you’re on the go and can’t make it to the bank. We answer some of the most asked questions below:

What do I need to make a deposit to my account with my smart phone?

First, you need to be enrolled in online banking on our website. Next, you need to download the West Bank mobile app from the App StoreSM or Google Play™.*

How does it work?

You just take a photo of the front and back of the check from within the app. A couple of helpful tips:

  • Be sure you’ve signed the check on the back with your name and “For West Bank Mobile Deposit Only”
  • Make sure your picture is clear.

Is there a limit on the number of checks I can deposit or the amount of the checks?

There is no limit on the number of checks that can be deposited through the app. There are per check and total daily dollar limits.**

  • Single check limit: $5,000
  • Total daily deposit limit: $5,000

When will my deposit be credited to my account?

Mobile check deposits are subject to verification so funds may not be available immediately. Generally, mobile check deposits received before 4:00 p.m. Monday – Friday, will be available the next business day. Mobile check deposits received Monday – Friday after 4:00 p.m., on weekends, and federal holidays are processed the following business day.  For example:

Deposit DayTimeFunds Available On
MondayBefore 4:00 p.m.Tuesday
MondayAfter 4:00 p.m.Wednesday
Saturday/Sundayany timeTuesday

What do I do with the paper check?

It’s a good idea to keep the check that you use for mobile deposit for 45 days. After that time, please be sure to shred the check to help prevent fraud.

*App store is a service mark of Apple Inc. Google Play is a trademark of Google Inc. All rights reserved. Data charges may apply. Check with your mobile phone carrier for details.  

**These limits may change without notice. 
Please see West Bank Online and Mobile Banking Agreement for details.

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