Mobile Deposit

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Salem Five's Mobile Check Deposit feature is available within the personal Mobile Banking app and Business Banking Mobile app (Web Cash Manager customers only). You no longer need to make trips to the bank or ATM to make deposits. Make them securely on-the-go, using your smartphone.

How It Works

  1. Open and login to the Salem Five Mobile Banking App and select the "Deposit" icon at the bottom of the screen    Remote Deposit Capture on Mobile Device
  2. Select “Deposit Check”.
  3. Choose the account that you want the funds deposited to
  4. Enter the dollar amount of the check
  5. Take a photo of the front and then the back of the check
  6. Click "Next"

Funds will typically be available in the account the next business day if deposited prior to cut off time. Keep the original check for 10 days after it has been posted to the account and then destroy it. A secure image of your deposited check will be held at the bank.


Who can use Mobile Deposit?

Anyone with a Salem Five checking, savings or money market account and an active Online Banking profile may be eligible to use Mobile Deposit within the consumer banking app. Business accounts utilizing Web Cash Manager can use the Mobile Business Banking app to make Mobile Deposits.

You will need to download the appropriate mobile banking app from your phone's app store.

How secure is Mobile Deposit?

Mobile Deposit offers the same security as Online Banking. The images of your checks are stored securely at the bank and not on your mobile phone.

How should I endorse the check?

All payees on the check should sign the check, and then you should restrictively endorse it "For deposit only. Account #______".

What happens after I've made a Mobile Deposit?

Salem Five will send a 'Deposit Received' email once we receive your mobile deposit. After review, you will receive either a 'Deposit Accepted' email or a 'Deposit Declined' email.

Are there daily or monthly deposit limits?

Daily Deposit Limit $2,500
Monthly Deposit Limit                     None
Daily Cumulative Deposit Limit $10,000
Single Check Item Limit $2,500
Monthly Deposit Limit None
Deposits made on Saturday, Sunday and non-business days are aggregated with deposits on the following business day with regard to the daily deposit limit.

*Please note – consumer limits may apply to some business customers. Please consult your banker.

Can I request an increase to my Mobile Deposit daily or monthly limits?

Yes. Should you require an increase in your deposit limit, or have a question, please call our Contact Center at 800.850.5000 during normal business hours. Increases may only be approved on a temporary basis for personal accounts and can be made permanently for Web Cash Manager customers.

What types of checks?
  • Personal checks
  • Business checks
  • Cashier’s checks
Checks must be from a U.S. institution and in U.S. dollars.

What types of checks are not accepted via mobile check deposit?

Certain checks cannot be deposited using this service.  To see the list of ineligible deposits, review Section B in the Mobile Banking Agreement

If I make an error, should I re-deposit check?

No, you should not re-deposit the check. If you noticed an error after submitting a mobile deposit, please call the Contact Center at 800.850.5000. Never email account or personal information.

What should I do with my check after making a deposit?

Keep the original check for 10 days and then you may destroy it. A secure image of your deposited check will be held at the bank.

Why doesn’t my current balance reflect my recent deposit?

If you don't see the check deposit in your mobile deposit activity summary, your deposit was not successful and you should re-scan your check. The current balance will only reflect the deposit the next business day or 2nd business day in the event of a weekend or holiday. If your balance is not updated with the deposit amount after this time period, please call the Contact Center during normal business hours at 800.850.5000

When will my funds be available?

Your deposit will generally appear in your account the next business day. If your deposit was made over the weekend or on a bank holiday, please allow up to 2 business days to see your deposit reflected in your account. Funds are available according our funds availability policy.

I selected the wrong account for deposit. What should I do?

You should wait until the deposit posts to the account you selected and then transfer it to the desired account.

I entered the wrong amount for deposit. Should I re-scan my check?

No. The system reads the dollar amount written on the front of the check. If necessary, we'll correct the amount and this change will be reflected in the 'Deposit Accepted' email.

Are there any fees for using Salem Five’s Mobile Deposit?

No, there are no fees from Salem Five for using Mobile Deposit. However, please check with your service provider regarding any applicable wireless carrier fees. Message and data rates may apply.

Salem Five Mobile Deposit is available for select mobile devices. You must first enroll in Online Banking and download the Salem Five Mobile App for iPhone or Android. Message and data rates may apply. Subject to eligibility and further review. Deposits are subject to verification and not available for immediate withdrawal.  Deposit limits and other restrictions apply. This feature is not available on the Mobile Website. Not  available on Amazon® Kindle Fire™, Windows Phone or Blackberry® devices.