Cash Management Mobile Deposit FAQs

You may use the PeoplesBank Cash Management App to deposit checks if:

• You have an internet-enabled Android or iPhone device with a camera
• You are enrolled in PeoplesOnline Cash Management
• You have the PeoplesBank Cash Management App on your mobile device
• You are a PeoplesBank Cash Management customer with an active checking, savings or money market account. Your account needs to be in good standing. Mobile Deposit privileges may be removed at any time upon management’s discretion.

• Log-in to your account through the PeoplesBank Cash Management App.
• Click the “Menu” button at the top left of the screen.
• Click “Transactions”.
• Select “Mobile Deposit Enrollment”.
• Review our Terms and Conditions.
• If you accept, check the box, and click the “Accept” button.
• Once you have accepted, our Cash Management team will review your request. A system message with an approval decision will be sent within two business days.
• If approved, the “Mobile Deposit” option will appear under the “Transactions” tab.

Note - If you are not a current user of PeoplesOnline Cash Management, please register at bankatpeoples.com and download the PeoplesBank Cash Management App before completing the steps above. For assistance, call us at 413.493.7517.

Checks made payable to the account owner or joint owners that have been properly endorsed with “For Mobile Deposit Only” and the owner’s signature can be deposited to checking, savings or money market accounts.

• No foreign checks
• No savings bonds
• No drafts or non-negotiable items
• No third-party checks
• No returned or re-deposited items
• No post-dated or stale-dated checks
• No tax refund checks
• No insurance checks

PeoplesBank Mobile Deposit is available for most Android and iPhone devices. To begin depositing checks anywhere, anytime, please follow these steps:

• Launch the PeoplesBank Cash Management App
• Log-in
• Click the “Menu” button at the top left of the screen
• Click “Transactions”
• Select “Mobile Deposit”
• Choose the account where you wish to deposit your check (checking, savings and money market accounts only)
• Enter the amount of your check
• Click the “Capture Image” button
• Take a picture of the front of your check
• Take a picture of the back of your endorsed check
• Verify your deposit information, and click on “Submit Deposit” to submit your check for review.

PeoplesBank Mobile Deposit works on most Apple and Android devices with the PeoplesBank Cash Management App.

• Apple requirements: iPhone, iPad or iPad Mini device running iOS6 or newer with Camera Enabled
• Android requirements: Android OS 2.3.3 or higher with Camera Enabled device

• Navigate to the Apple App Store
• Download our free Application titled “PeoplesBank Cash Management”

If you are not a current user of PeoplesOnline Cash Management, please follow the instructions to register at bankatpeoples.com first. For assistance, call us at 413.493.7517.

• Navigate to the Google Play Store
• Download our free Application titled “PeoplesBank Cash Management”

If you are not a current user of PeoplesOnline Cash Management, please follow the instructions to register at bankatpeoples.com first. For assistance, call us at 413.493.7517.

Please refer to our Fee Schedule to learn more about charges for using PeoplesBank Cash Management Mobile Deposit. There may be additional data costs related to accessing the PeoplesBank Cash Management App from your mobile device. Please check your wireless plan or verify with your wireless carrier.

You can deposit one check at a time and up to 15 checks per day.

You can use Mobile Deposit 24 hours a day, including weekends and holidays.

Yes. Accounts currently have daily and monthly limits. Limits are subject to change at management’s discretion.

All images are reviewed for clarity and completeness. If an error is detected, the App will prompt you to retake the photo. Follow these tips to help ensure that a good photo is taken:

• Checks must include date, payee, amount and signature.
• Blue or black ink works best.
• Endorse your check.
• Take a photo of the check in a well-lit area.
• Lay check on a flat, contrasting background. Otherwise, it may cause non-matching check amount errors. If so, try another background (white or black).
• Remove objects or other items from view.
• Position the camera directly above the check (not from an angle).
• Make sure that all four corners of the check are visible. Use the guides built into the App to help you line up the picture.

Once you submit a deposit, you will receive confirmation within the app. In some instances, your deposit will need to be reviewed by our operators before it can be processed. A listing of your recent deposits can be accessed by clicking the “Activity” button at the top of the screen within the Mobile Deposit section of your PeoplesBank Cash Management App. Accepted checks are listed under the “Accepted” tab. Checks that have been rejected or need further review are listed under the “Submitted” tab. Review notes and check photos can be viewed by clicking on specific deposits.

Mobile Deposits are reviewed and processed by 4:00 p.m. each business day. Funds from approved deposits made before 4:00 p.m. will be posted to your account by the next business day. Funds from approved deposits made after 4:00 p.m. (or on weekends or holidays) will be posted to your account within two business days. All deposits are subject to review, and funds from your deposit may not be available for immediate withdrawal subject to the Funds Availability disclosure provided during account opening. Once deposits are processed, you will see the deposit in your account via PeoplesOnline or through the PeoplesBank Mobile Access App.

After you receive confirmation that your check has been accepted for processing, store the paper check in a safe place. After seven calendar days, and verification that funds have been deposited into your account, write “VOID” on the face of the check and destroy the check.

If your check is rejected for any reason, you will receive notification in the PeoplesBank Cash Management App. Depending on the reason, you may be able to deposit that item at a PeoplesBank branch or ATM. For example, items that exceed the dollar amount limits or are unreadable by the software can generally be accepted in person or at the ATM. Please note that if you are attempting to deposit a third party check, or if the check is altered or incomplete, we will not accept this item for deposit by any means. Your recent deposit and status will be stored in the “Activity” screen within the Mobile Deposit section of the PeoplesBank Cash Management App. Review notes and check photos can be viewed by clicking on specific deposits.

If you enter the wrong dollar amount, your check will need further review before it shows up in your account. The status of your check will appear in the “Activity” screen within the Mobile Deposit section of the PeoplesBank Cash Management App. If your check is rejected, you will need to re-submit with accurate dollar amounts.

There may be instances when the application will not recognize your item for deposit. If that occurs and you are unable to complete a deposit using the PeoplesBank Cash Management App, please take the item to the nearest PeoplesBank ATM or branch location for deposit.

If the same deposit is submitted twice, it will be identified and stopped by our process. Should this occur, the second (duplicate) check will be reviewed and rejected immediately.

PeoplesBank offers extensive security features to ensure that you can conduct your banking in a safe and private online environment. Our Cash Management App is just as secure as our PeoplesOnline Banking service. Anything you do while logged on to the app is encrypted by industry-standard SSL encryption, preventing cell phone "scanning" or other attempts to eaves-drop. No check images are stored on your phone. However, it is your responsibility to protect your remote device and security credentials from unauthorized access. You assume the entire risk for the fraudulent or unauthorized use of your security credentials.

There are some simple steps you should take to ensure the security of your information and protect your privacy when you use the PeoplesBank Cash Management App.

• Protect your PeoplesOnline Cash Management password. It is your key to accessing your accounts. Do not reveal it to anyone.
• Memorize your PeoplesOnline Cash Management password. Never store it on your mobile device, or write it on paper that you keep near your phone or carry with you.
• Do not choose passwords that incorporate your name, telephone number, address or birthday or those of any close friend or relative.
• Never leave your mobile device unattended while using the PeoplesBank Cash Management App.

Use your phone's built-in lock function – set a password-protect for start-up or time-out.

If your phone is lost or stolen, it is unlikely that someone could access your account information unless they also know your PeoplesOnline Cash Management username and password. However, to be safe, you should contact PeoplesBank as soon as possible by calling 413.493.7517.

If you require assistance with PeoplesBank Cash Management Mobile Deposit or have a question, please call us at 413.493.7517.