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Peoples Mobile Deposit FAQ

Who is eligible for Mobile Deposit?
Customers who have a Personal or Business Checking, Savings, Money Market or HSA accounts are eligible for the Mobile Deposit feature.

What if an account is not listed in Peoples Mobile Deposit?
In most cases, eligible personal accounts are automatically signed up for Mobile Deposit.  If you have an eligible account that has not been enabled, please call us at (800) 584-8859 for assistance. Please note that accounts are pre-qualified before being authorized for use with the Mobile Deposit feature.

Business accounts will be signed up for Mobile Deposit when the company is entitled the service. Contact Peoples Bank Customer Support at (800) 584-8859 for entitlement to the service.

What types of checks can I deposit with Peoples Mobile Deposit?
Most domestic checks can be processed through Peoples Mobile Deposit.  We are unable to accept Money Orders, Foreign Items, Savings Bonds or Third Party Checks.

Do I photograph both the front and the back of my check?
Yes.  During the deposit process, you will be required to photograph the front and back of your check.

How do I endorse my check for Peoples Mobile Deposit?
Please endorse the check exactly as it is made payable and include “For Mobile Deposit only at Peoples Bank”.  Deposits not including this endorsement may be declined.

How will I know if Peoples Bank received my deposit?
You will receive a notification by e-mail when your deposit has been received.

How will I know when Peoples Bank processes my deposit?
When your deposit is processed, you will receive a second e-mail notification on the status of your deposit. This e-mail will indicate if the deposit was approved or declined for processing. If declined, a reason will be provided.

When will my deposit post to my account?
Deposits can be submitted through Peoples Mobile Deposit at any time.  If your deposit is submitted by 6 p.m. Monday through Friday, your deposit will post to your account when it is approved.

When will my funds be available?
Deposits submitted by 6 p.m. Monday through Friday will reflect in your balance the following business day. Deposits submitted after 6 p.m. Monday through Friday will reflect in your balance the 2nd business day following the deposit.

Can I photograph more than one check at a time?
You can photograph multiple checks in the same session, however, you may only photograph one check per deposit.

What if the quality of the photograph of the check is poor?
You have the option to retake photographs of the check before submitting or you may cancel the deposit. If you are unable to photograph a clear image, please mail your deposit to Peoples Bank, PO Box 233, Lynden, WA 98264 for processing.

Do I destroy my check after I photographed the deposit?
No, keep the check for 15 days to ensure it posts to your account. After 15 days, you may securely destroy the check. Do not void the check after submittal in the event the deposit is not approved and needs to be re-submitted.

Can I make my opening account deposit through Peoples Mobile Deposit?
No, at this time Peoples Mobile Deposit functionality cannot be used to initially fund a new account.

What if I submitted a deposit for the wrong amount? Do I need to resubmit the deposit?
No, you do not need to resubmit your deposit. If you entered the wrong amount for the deposit, our operations center will correct the deposit amount.

What if I submit the same deposit twice in error?
If the same deposit is submitted twice, it will be identified and stopped by our processing. Should this occur, you will receive a declined deposit notification for the second deposit received through the Peoples Mobile Deposit service.

A check I submitted was returned, can I resubmit it?
If a deposit is returned, please do not re-deposit the check within Peoples Mobile Deposit. You will receive written communication through the US Postal Service if a deposit is returned.

If I need additional information on Peoples Mobile Deposit, who can I call?
For additional assistance, please contact Peoples Bank Customer Support at (800) 584-8859.

Technical Questions:

Do I need a certain type of device to use Peoples Mobile Deposit?
  • Current supported mobile phones: Apple iPhone (all versions) and Android.
  • Current Supported Tablets: iPad and Android Tablet.
What type of internet connectivity do I need?
Devices must have an appropriate data plan or Wi-Fi that allows the transmission of data over the internet.

I’m not getting any emails from Peoples Mobile Deposit?
Contact Peoples Bank Customer Support at (800) 584-8859 for assistance.

The processing time to upload a check is very slow.
This processing time is dependent upon your device, your carrier, the available memory on the device and the current connection that you have. Try to improve one or more of these elements and upload the check again.

Mobile Deposit Instructions

Step-by-step guide to deposit a check.

Go to Instructions

Need Help?

We're only an email or phone call away.

Customer Support is available:

  • Mon - Fri: 8 am to 7 pm
  • Sat: 9 am to 4 pm
  • (800) 584-8859
  • Email Us

5 Star RatingPeoples Bank is rated 5-Stars by Bauer
Rating as of October 2023