Mobile Deposit

Mobile Deposit

Mobile Deposits are now available with all digital banking platforms – computer or mobile device!

The Mobile Deposit service is very user friendly, and provides error messages with easy to read instructions for submitting an acceptable check image.


Check Endorsement

Endorse your check with “For Mobile Deposit Only at Iowa State Bank” along with your signature.

Checks deposited through Mobile Deposit are required to have this restricted endorsement.


Funds Availability

Eligible checks deposited Monday-Friday before 2:00 pm cst will be credited to your account on the same day.  All other eligible check deposits will be credited to your account on our next business day.  A list of past and current mobile deposits is provided for you to review.

Mobile Deposit Service Availability
Enrollment in Mobile Deposit is subject to availability and credit worthiness.

Eligible Accounts
The Mobile Deposit service is available for deposit into checking accounts only.

Checks deposited through Mobile Deposit  are required to be restrictively endorsed as ‘For Mobile Deposit only at Iowa State Bank’ along with your signature, or as otherwise instructed by Iowa State Bank.

Check Retention
Once you submit the check for Mobile Deposit to Iowa State Bank, best practice is to mark the check as ‘Mobile deposit on DATE’. Checks are required to be retained for a minimum of five (5) calendar days and for a maximum of fourteen (14) calendar days, from the transmission date. The time frame between five and fourteen calendar days is referred to as the retention period.

Checks are required to be stored in a secure and locked container that is only accessible by persons needing access.

Checks should only be provided to Iowa State Bank upon request. If requested, original checks will be provided to Iowa State Bank to aid in the clearing and collection process, to resolve claims by third parties, or for Iowa State Bank audit purposes.

Once the Retention Period has expired, checks submitted for deposit using Mobile Deposit Capture are to be securely and irretrievably destroyed.


See the Mobile Deposit User Instructions and Guidelines for a printable version.