From the AFNB Mobile Banking App, follow these steps:

• Select "Deposits" from the menu.
• Key in the amount of the deposit.
• Take a photo of the front and back of your endorsed check.
• Review your deposit information and submit your deposit.You'll receive a confirmation that the deposit was received successfully or rejected. If you are not currently using our Mobile Banking App, you can download it via your device's app store.

Most checks that are drawn on U.S. financial institutions in U.S. dollars may be processed through MOBILE DEPOSIT.

The following items are not eligible for Mobile Deposit:

• Check(s) or items payable to any person or entity other than you
• Check(s) endorsed to you by a third party
• Check(s) or items containing obvious alteration to any of the fields on the front of the check(s) or item, or which you know or suspect are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn
• Check(s) or items not payable in United States currency
• Check(s) or items drawn on financial institutions located outside the United States
• Check(s) or items previously converted to a substitute check
• Check(s) or items dated more than 6 months prior to the date of deposit or post-dated checks
• Check(s) or items prohibited by AFNB’s current procedures relating to MOBILE DEPOSIT or which are otherwise not acceptable under the terms of your AFNB account
• Any item that is marked with a “non-negotiable” watermark
• Savings bonds and collection items

Mobile Deposit is very secure. It features multiple layers of security, giving your account and check data the highest level of safety available.

You can transmit mobile deposits to AFNB 24-hours a day, 7-days a week, including weekends and holidays.

• Checks deposited before 4:00 pm Central Standard Time, on a business day (defined as Monday through Friday), will be considered to be deposited today and available the next day.
• Checks deposited after this time will be considered to be deposited on the next business day.
• Checks deposited on Saturday, Sunday, or a legal holiday, will be considered deposited on the next business day.

You may deposit as many checks as you like during a mobile banking session, however, each check must be photographed and deposited separately. The total deposit amount you can deposit in one business day is $2,500. Deposits made on the weekend are combined with Monday deposits and limited to a total of $2,500 for the three days.

Checks should be securely stored for 30 calendar days following your deposit. After that time, write VOID across the check and destroy it.

The software has an Image Quality Assessment (IQA) tool that automatically identifies problems with the check image. If a problem is detected, you'll be asked to retake the photo.

Currently only Checking, Saving, and Money Market accounts can accept Mobile Deposits.

• Sign/Endorse the back of your check, and label it “For Mobile Deposit Only AFNB”
• Flatten folded or crumpled checks before taking your photos.
• Keep the check within the view finder on the camera screen when capturing your photos. Try not to get too much of the areas surrounding the check.
• Place the check on solid dark background in a well-lit area before taking the photo of it.
• Keep your phone flat and steady above the check when taking your photos.
• Hold the camera as square to the check as possible to reduce corner to corner skew.
• No shadows across the check.
• All four corners are visible.
• Check is not blurry.
• The MICR line (numbers on the bottom of your check) is readable.