New Online Banking Features: 

Mobile Deposit

Making a deposit has never been easier. No trip to the bank, no dropping a check in the mail.  Simply scan to your computer or use your mobile device to take a picture of the front and back of a check and submit it to FMBND for deposit.  

Is there a limit to the amount I can deposit?

Yes, there is a daily limit amount of $3500.00.  You may request a higher limit after submitting at least one check for deposit through the service.  Call your local branch to discuss increased limit options.

Will I receive verification of the deposit?

You will receive confirmation that your deposit has been submitted as soon as the picture has been taken.  HOWEVER, it is extremely important check back on the mobile deposit at a later time to make sure the deposit has not been rejected once our employees have reviewed it.  The review process may take up to 2:30 on the day the deposit it made.

What must I do before taking a picture of the check?

This is very important-you must write across the front of the check “Mobile Deposit”.  On the back, you must either write the words “For Mobile Deposit Only” above your endorsement, or if provided, check the box indicating a mobile deposit.  We will be strictly enforcing these requirements!

What should I do with the check after I have mobile deposited it?

 We recommend placing the check in a safe place for 10 days you have received credit for your deposit.  Then you should    destroy the check by shredding it.

How late in the day can I send a deposit and still have it credited that day?

The cut off time for mobile deposits is 2:30pm each day.  Mobile deposits made after that time will be credited the following business day.

Do I receive an image of a deposit slip on my statement?

No, there is no record given on your statement as to who you received the mobile deposited check/checks from.  You may either develop a process to track that from home, or you may find that mobile deposit does not work the best for you. 

Pay a Person Transfers

Do you owe a friend for your share of the rent?  Did someone make a purchase on your behalf and now you need to pay them back?  Do you want to send your daughter some money for her birthday?  Our Pay a Person transfer feature allows you to make these payments without ever writing a check and then possibly having to stick that check in the mail.

Do I need to know the account information for the person I am sending the money to?

No, what you would need to know is that person’s cell number or email address.  You will log into FMBND online banking/mobile banking and navigate to Pay a Person.  You will then click on the Make a Payment icon.  You will be prompted to enter which of your accounts you wish the payment to be made from, the amount of the payment and then the payees name and contact information.  From this point, the person you are paying will receive a notification, via email or text, saying that you would like to send them money.  Upon accepting your payment, they will be prompted to enter their routing number and account number. 

I see the transfers out on my account, but my friend has not received payment yet?

It is normal for the Debit (or the deduction) side of the transaction to post earlier than the credit.  It usually takes three (3) business days for the credit (deposit) to be made, but it may take as long as five (5) business days.

Is there a fee for this service?

Yes, there is a small fee, but that fee is less expensive than the cost of a postage stamp.  Please refer to the fee schedule of this website for applicable fees.

Is there a minimum amount I can transfer?

Yes, the minimum transfer amount is $10.00

Can I set up a regularly recurring transfer?

No, you cannot.  However, once you have established someone as one of your payees, much of their information is retained within the system, and you simply click on the (three little dots to the right), select SEND and you are ready to initiate a new payment to that individual.

Can I use the service to transfer money internationally?

No.

Can I pay a business I have received a bill from using this service?

No, you would want to use the online Bill Pay feature for this type of payment.

How will I know when a transfer is complete?

When in the Pay a Person screen, click on the Activity icon, there you will see a status column and the word Complete if the entire transaction has been processed.