Mobile Check Deposit is convenient, secure and available now from Arvest Bank. Using an iPhone® or Android™ device, customers can deposit checks into their eligible Arvest accounts in a few simple steps. Save yourself a trip to the bank and deposit checks anywhere, anytime.
You must download the application and enroll in Arvest mobile banking prior to using the Arvest Mobile Banking app.
For more detailed information about Mobile App Banking, please review the FAQs below.
Customers who are enrolled in Mobile Banking and have an eligible checking or savings account.
A Mobile Banking customer who is eligible for Mobile Check Deposit will be presented with terms and conditions after accessing the Deposit Check function within the Mobile app.
Any customer not eligible for Mobile Check Deposit will receive a message that the account is not currently eligible for the mobile check deposit service when trying to access within the Mobile app.
All consumer checking or savings product types excluding Restore Checking, Health Savings, Spending Cards, Unidos and Home Equity Line of Credit accounts that meet specific qualifications will be eligible for Mobile Check Deposit.
Free Small Business Checking, Small Business Checking and Small Business Club Checking accounts are also eligible for Mobile Check Deposit once qualifications have been met. A per deposit fee applies to these business accounts. All other business checking and savings product types are ineligible to use Mobile Check Deposit.
Customers will automatically be qualified to participate in Mobile Check Deposit if they have a supported checking or savings account considered to be in good standing for at least 90 days. For further information about qualifications, please contact Customer Service at (866) 952-9523.
Any check drawn on institutions located in the United States that have a MICR line can be processed through Mobile Check Deposit.
There is no limit for number of deposits allowed. The standard deposit limit of $2500 per business day and $10000 per rolling 30 days will apply.
There is currently no charge for consumer customers to use this service when depositing to a personal checking or savings account. Small Business product customers will incur a charge of $0.50 per check deposited.
Yes. During the deposit process, you will be required to photograph the front and back of your check.
You will endorse your check exactly as you would if depositing at an Arvest location.
You will receive a deposit confirmation on the screen after submitting your deposit that will state your deposit has been received.
The first $200 of all Mobile Check deposit(s) combined will be posted immediately after the deposit has been received. If the deposited amount exceeds $200, the remainder of the deposit(s) will be available the next business day. Some exceptions may apply.
If you make a deposit with Mobile Check Deposit before 8:00 p.m. (CST) on a business day, we will consider that day to be the day of your deposit. However, if you make a deposit with Mobile Check Deposit after 8:00 p.m. (CST), on a weekend or federally observed holiday, we will consider that the deposit was made on the next business day.
You can deposit multiple checks in the same mobile banking session; however you may only photograph and submit one check per deposit at a time.
If the check image is unclear or critical information is missing then you will receive an error message asking you to recapture the image. You may retake photographs of the check by selecting the Retake button after image has been capture. If you are unable to photograph a clear image, please deposit your check at one of our Arvest Bank locations or ATM.
You will need to retain the check for 30 days after receipt of confirmation that we have received the deposit. After the full deposit has posted and 30 days has passed, you may mark the check “VOID” and destroy it.
No, at this time Mobile Check Deposit cannot be used to initially fund a new account.
If a different amount is entered than detected on the check, you will receive an error message informing you that the amount entered does not match. You will need to verify the amount of the check and retake the photo to deposit.
If the same deposit is submitted twice, you will receive an error message informing you that the check has already been deposited or cannot be accepted.
No. If a check is returned for insufficient funds, you may not re-deposit the check through Mobile Check Deposit.
Arvest Mobile Banking requires a secure login for access. No one is able to access your account information without knowing your unique username and password. We also use multiple security layers, including data encryption to protect information sent and received. For added security, Mobile Banking never transmits or stores any confidential data on customer devices and ensures that all private information sent shields personal details.