Victory Mobile Deposit FAQs

Victory Mobile Deposit FAQs Victory Bank

 

Q: How does Victory Mobile Deposit work?

A: Mobile Deposit permits users to deposit a single check (and some types of money orders, no foreign checks) while signed in to Victory Mobile Banking simply by taking a picture of the front and back of the item with your mobile device.


Q: What types of mobile devices work?

A: Apple® iPhone®, Apple® iPad®, Android phones and tablets.


Q: How do I enroll to deposit checks?

A: To get started, follow these steps:

  • Step 1: Go to The Victory Bank's website: Mobile Deposit Page
  • Step 2: Select the "Enroll Now" link, fill out the form and submit it when done.
  • Step 3: You will receive a phone call from the bank to verify your identity once the information submitted has been reviewed.
  • Step 4: You may begin depositing checks after you receive a confirmation email- usually within one business day.

Q: Is there a cost to use Victory Mobile Deposit?

A: No, this is a FREE service available to consumer and business online banking clients who have enrolled in Victory Mobile Banking.


Q: Is this secure?

A: Yes! We utilize Industry-Standard SSL protocol and State-of-the-Art 256-bit encryption. No personal data or account numbers are accessible or stored on your mobile device. No check images are stored on your device.


Q: How do I endorse the check?

A: Every check that you deposit must have your signature along with the phrase "Mobile Deposit Only" clearly printed below it.


Q: Is there a limit to how many and how much I can deposit?

A: Current Victory Bank clients may deposit up to 10 checks a month and up to $10,000. Clients who are new to The Victory Bank may deposit up to 5 checks a month and up to $5,000. Please speak to a banker for details. If your deposit needs exceed these limits, please speak with a banking representative.


Q: What do I do with my check after I deposit it?

A: You must keep the check in a secure location for at least 30 days. We recommend that you shred the check once you reconcile your bank account at the end of the month after you have verified that you received the proper credit for the deposited item.


Q: When do I receive credit for my deposit?

A: If you deposit the item before 7:00 PM E.S.T., you should receive credit in your account the following business day. In some cases, it may take longer; IE: if the dollar amount doesn't match the check, or if the image quality was not acceptable.


Q: Can I deposit a check that is not payable to me?

A: No. All deposited items must be payable to you.


Q: How do I know if my deposit went through OK?

A: You will receive a confirmation on your device after submitting the deposit and you will also receive an email confirmation. You may also set your Online Banking Mobile Settings to send you a text message.


Q: What if I receive an error message?

A: The error message should clearly indicate the cause of the error. If you still experience problems, please contact the Bank at 610-948-9000 during normal business hours.


Q: What if I cannot login?

A: Please contact the Bank at 610-948-9000 during normal business hours.