Mobile Deposit

If you’re like most people, your schedule doesn’t always allow you to make a trip to the bank to deposit a check. Mobile deposit is as easy as taking a picture of your check. Using just your mobile device, you can deposit checks anytime and anywhere.

Instructions:

1. Log in to your Alerus mobile banking app
2. At the bottom of the screen, choose ‘Deposits’
3. In the ‘To Account’ section, select the account you want to make a deposit and enter the ‘Check Amount’
4. Endorse the check by signing your name. On the next line print the words ‘For Mobile Deposit Only’
5. Select the ‘Front of Check’ icon and capture an image of the front and do the same for the back of your check
6. Verify the information is correct and select ‘Make a Deposit’

Frequently Asked Questions

• What types of checks can I deposit using mobile deposit?
  • Only U.S. Checks Allowed
    • Check must be payable to the account owner (no third party checks)
    • Endorsement must contain a Restricted Endorsement:
      John D Doe
      For Mobile Deposit Only
    • Hold onto the check for 60 days. At that point you can shred the check
• When will the check I deposited through mobile deposit be available?
  • All approved deposits will be made fully available the following business day, but will show the actual date the deposit was made
    Example: If you make a mobile deposit on May 5 before 7 p.m. CT. The item will be reviewed and approved, but you will not see the approval until the next business day on May 6
• What are the cut-off times for deposits made using mobile deposit?
  • 7 p.m. CT (Monday – Friday). Items received after 7 p.m. will be reviewed the next business day and made available upon approval
  • Saturday and Sunday deposits will be approved the next business day
• How will I know if there is a problem with the mobile deposit?
  • From the mobile app, select ‘Deposits’ and then ‘View Deposit History’. You will be able to view the status of each deposit, including date, amount, and an image of the check
• Are there transaction and monthly limits for mobile deposit?
  • Daily Limit is $2,500 (total number of check deposits should not exceed this amount)