FAQs

Mobile Check Deposit is currently available through the downloadable application (app) for iPhone^®, iPad^® and Android™. For consumers, Mobile Check Deposit is automatically included when you use the application after successful login; no additional enrollment is necessary. If you are a Treasury client, your account administrator must enable you.

Standard Business and Commercial Banking Limits: $20,000 daily, not to exceed $50,000 over a rolling 25 business day period

Standard Consumer Limits For Accounts Open Less Than 90 Days: $3,000 daily, not to exceed $10,000 over a rolling 25 business day period.

Standard Consumer Limits For Accounts Open Over 90 Days: $5,000 daily, not to exceed $20,000 over a rolling 25 business day period.

There are no restrictions to the number of checks deposited as long as the deposit limit is not exceeded.

Before you take your check photos:

1. Sign the back of your check
2. Write "For Mobile Deposit at Amalgamated Bank Only"" below your signature."

Retain the original check in a secure location for thirty (30) days following receipt and credit of the deposit to your account. We recommend you completely destroy each original check after this retention period. A paper shredder is a good method for secure destruction of original checks.

You will see a credit to your account once the deposit has been approved by the bank. Your check will be processed by Amalgamated on the same business day if received before 3:30pm ET. If received after 3:30pm ET on a business day, weekend or holiday, it will be processed on the following business day. Please do not dispose of your check or attempt to process at another institution or through another channel (ATM or in-branch. Please refer to Amalgamated’s Funds Availability Guide for information about deposits.

There are a few common errors that may cause your check to be rejected:

• Folded or torn corners
• Front or back image is not legible
• Missing endorsement
• Routing and account numbers are unclear
• No camera on the device
• Image is too dark

Try using Mobile Check deposit in a well-lit area to prevent shadows and poor image quality.  Keep your hands clear of the check while taking the picture.

The following items should not be deposited through Mobile Check Deposit:

• Third-party checks (checks payable to any person or entity other than the person who owns the account into which the check is being deposited)
• Checks payable on sight, payable as cash or payable through Drafts
• 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 previously converted to a substitute check, as defined in Reg CC¹
• Checks not payable in United States currency
• Checks drawn on a financial institution located outside the United States
• Checks dated more than six (6) months prior to the date of deposit
• Checks with any endorsement on the back other than that specified in our agreement
• Checks that have previously been submitted and accepted through our service or through a remote deposit capture service offered at any other financial institutionChecks or items that are
• drawn or otherwise issued by the U.S. Treasury Department
• Any item stamped “Non-negotiable” or “This is not a check”
• Bonds
• U.S. Postal or Western Union Money Orders
• Traveler’s Checks
• Checks drawn on the United State Treasury

Mobile check deposit is free to Amalgamated Bank customers.* Just download the Mobile app to begin.

* Please note that charges from your wireless carrier may apply. Regular account charges apply.