Mobile Deposit

Our Mobile Deposit feature on our FREE mobile app “HVSB Mobile” lets you snap a picture of a check and deposit it anywhere, anytime! Download the app and make depositing checks easier than ever! 

To Download the HVSB Mobile Banking App:

App Store Badge Google Play Badge

Activate the Mobile Deposit* App then:

  1. Endorse the back of the check with the following items: For Mobile Deposit Only, your Signature and Account Number.
  2. Select “Mobile Deposit” from your list of options.
  3. Select “Deposit Check” from your list of options.
  4. Select the account you want the check deposited into and enter the check amount.
  5. Select “Take Pictures” and take a picture of the front and back of your check.
  6. Submit the deposit.

After taking the picture of the check you will be shown a sample of the front and back of the check. Once the check has been submitted you will receive a confirmation email. Funds deposited will normally be available the next business day.

*Activation of Mobile Deposit is pending for 1-2 business days. This offer is subject to enrollment approval.

Frequently Asked Questions

What is Mobile Deposit?

Mobile Deposit allows you to deposit checks electronically at remote locations, through your mobile device, which includes mobile phones and tablets. Paper checks are digitally scanned, and an image of the check is electronically transmitted to the bank for review and deposit.

How to get started?

First you must be signed up for HVSB’s online banking service. Next, you may download the Mobile App either from the Apple Store or Google Play and sign in using your username and password. Select Mobile Deposit from the menu to get started.

Can I deposit to more than one of my accounts?

Yes. You may deposit to your Checking, Savings or Money Market account associated with your online banking username and password. Only one account can be added at the time of first enrollment of Mobile Banking using the app, additional accounts can be added by contacting your local branch. Call the Milford office at 248.684.9626 or the Highland office at 248.887.9900.

Are there fees?

At this time there are no fees for this service. Message and data rates may apply. Please check with your communications service provider for access rates, texting charges, and other applicable fees.

Who is eligible for Mobile Deposit?

Any new or existing consumer or business may be considered for enrollment and as long as your account remains in good standing, you may use the service of Mobile Deposit.

Are there limits on the amount or numbers of deposits?

Yes. Once your enrollment has been accepted, the details regarding your limits will be included in an email notification. It’s important to know that each check must be submitted as a separate deposit.

How do I know if my enrollment has been accepted?

You will receive an email regarding the status of your enrollment once it has been reviewed by the bank.

What type of checks can be deposited?

Checks made payable to the account owner or joint owners that have been properly endorsed with “For mobile deposit only”, the owner's signature and account number.

Checks that cannot be deposited (as indicated on the User Agreement)

  • 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 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 payable jointly, unless deposited into an account in the name of all payees.
  • Checks previously converted to a substitute check, as defined in Reg. CC.
  • 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 the bank's current procedures relating to the services or which are otherwise not acceptable under the terms of your account.
  • Checks with any endorsement on the back other than that specified in this agreement.
  • Checks that have previously been submitted through the Service or through a remote deposit capture service offered at any other financial institution.
  • Checks that have previously been deposited or negotiated in any way via any method at Huron Valley State Bank or any other financial institution.

How do I know if my deposit has been received and accepted?

Deposits received by 7:00 p.m. on a business day will be reviewed and you will receive an email stating the deposit has been received for processing.  If your deposit is rejected, you will also receive an email and can contact us at 248.684.9626 for the reason. 

When will my funds be available?

Checks deposited by 7:00 p.m. on a business day will be considered deposited on that business day and will be subject to the Funds Availability Disclosure provided at account opening.  Otherwise we will consider the deposit made the next business day.  Funds deposited using this service will generally be made available on the first business day after the day of deposit.  

What do I do with my check once I have made my deposit?

Once the check is credited to your account, you agree to promptly mark the item as “Electronically Presented” or “Void” or otherwise render it incapable of further transmission and retain the check for at least 60 calendar days.  After 60 days, you agree to destroy the check.