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In general, 1st National Bank of Scotia non-business customers with an eligible checking, savings or money market account and valid Online Banking credentials can use Mobile Deposit. In order to use Mobile Deposit, you must download 1st National Bank of Scotia’s Mobile Banking App for iPhone or Android.

Yes, new customers and/or new accounts are eligible.

You must have Online Banking and the current version of 1st National Bank of Scotia’s Mobile Banking App. Simply select the check deposit option from the menu inside the Mobile Banking App to begin. You will be automatically enrolled the first time you use Mobile Deposit.

Yes, the online transmission of checks is secured through a secure SSL encrypted browser session. You should protect your login and password for Mobile Banking as you would your login information for other online banking services. For added security, remember to log out completely when you finish using the Mobile App.

Images of the checks are not stored on your mobile device.

We are pleased to offer the Mobile Deposit service to you at no charge. Other fees may still apply, however, such as those for returned items or overdrafts and mobile carrier fees. Please refer to the Bank’s fee schedule and deposit account agreement for further information regarding fees applicable to your account.

Checks submitted for Mobile Deposit require the restrictive endorsement “For FNB Mobile Deposit” and must contain the deposit account number and your signature. Deposits may be rejected if they are not endorsed properly.

You will receive a notification via e-mail from us confirming that your deposit was received. The deposit will be subject to verification and you will receive a second e-mail from us once the deposit has been approved and processed.

We recommend that you mark the check as “electronically deposited” or “void.” You will need to retain the check in a safe place for 60 days. After 60 days, and after you have confirmed the deposited funds have been applied to your account correctly, shred the check and dispose of it accordingly.

During regular business hours, all 1st Scotia Mobile Deposits made before 3:00 p.m. ET are processed and credited that evening and will generally be available on the next business day. Items deposited after 3:00 p.m. ET will be processed the following business day with availability of funds on the business day following the day the deposit is processed. If 1st National Bank of Scotia is observing a holiday or has an unexpected closure, the cut-off time maybe earlier.

Deposits made on a Saturday, Sunday or Federal Holiday are processed on the next business day following that weekend. Weekends and Federal Holidays are not considered business days for processing purposes, even if the bank may be open.

• Each check is considered a separate deposit.
• An individual check may not exceed $5,000.
• You may make up to five (5) deposits in a single day not to exceed a daily aggregate total of $5,000.
• You may make up to ten (10) deposits within a five-day period not to exceed an aggregate total of $10,000 over the five-day period.

Personal or business checks made payable to the account holder or joint owners that have been properly endorsed with “For FNB Mobile Deposit,” the deposit account number, and appropriate signature(s).

• Checks payable to any person or entity other than the person or entity that owns the account that the check is being deposited into.
• Checks containing an alteration on the front of the check, 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 payable jointly, unless deposited into an account in the name of all payees.
• Checks drawn on a financial institution located outside the United States.
• Checks not payable in United States currency.
• Checks dated more than six (6) months prior to the date of deposit.
• Checks on which the numerical and written amount are different.
• Checks that have previously been submitted through 1st Scotia
• Mobile Deposit or through a remote deposit service offered at any other financial institution or otherwise previously converted to a substitute check, as defined by Regulation CC.
• Checks with an endorsement on the back other than the restrictive endorsement.
• Checks that have previously been deposited or negotiated via any method at 1st National Bank of Scotia or other financial institution.
• Savings Bonds or Government Bonds.

Any known issues or discrepancies should be reported to the Bank immediately. Any intentional or unintentional misuse may result in your inability to complete a deposit through Mobile Deposit. The Bank reserves the right to restrict Mobile Deposit capabilities.

• Ensure that the check amount you enter matches the amount written on your check.
• Verify that the back of your check is endorsed with “For FNB Mobile Deposit” and contains both the deposit account number and your signature.
• Flatten folded, creased, or crumpled checks before taking your photos.
• Capture the photos of your check in a well-lit area.
• Place your check on a solid, dark background before taking your photos.
• Ensure that the entire check image is visible within the frame markers and is in focus prior to submitting your deposit.

You may call the Bank at (518) 370-7200 if you have questions regarding 1st Scotia Mobile Deposit or your account transactions.