Mobile Check Deposit Procedures

Bell Mobile Check Deposit allows you to deposit checks electronically using the Bell Bank mobile app, eliminating the need to make a physical bank deposit.

This document outlines procedures for the entire process of initiating and posting of your mobile check deposit. Bell State Bank & Trust reserves the right to audit Mobile Check Deposit customers for compliance with the guidelines included in this document.

Eligible Checks 

Mobile Check Deposit allows you to deposit most checks drawn on U.S. financial institutions. Checks must always be made payable to an account owner and may not be made payable to a business/DBA name. Certain items are not supported through the remote deposit channel and must be deposited at a bank location. These may include but are not limited to: third party checks, foreign checks, substitute checks, government bonds, checks payable in a currency other than U.S. dollars, cash or savings bonds.

Check Image Requirements

  • When using Mobile Check Deposit, you certify the authenticity of the check you are depositing.
  • Verify all information on a check image is clear. If they are not, retake the image.
  • Any original paper check items that remain unreadable after multiple attempts to obtain a clear image must be physically deposited at a bank location. Clear images require a minimum of 2.0 megapixel camera in your mobile device.
  • You should regularly inspect your mobile device camera to ensure that it is operating optimally.

Mobile Check Deposit Endorsement 

You are required to place a physical payee endorsement on the back of all check items prior to creating your image through Mobile Check Deposit.  Endorse the back of the check with your signature and the words “Bell Mobile Deposit.”

Check Safekeeping, Retention and Destruction

  • Check storage and the destruction of items deposited through Mobile Check Deposit is your responsibility because the paper checks are never physically deposited.
  • Bell State Bank & Trust requires that Mobile Check Deposit customers stores the check until it posts to your account and shows in your balance. You are required to shred the check once it has posted to your account. Cross-cut shredding is strongly recommended for check destruction.

If you have any questions or need assistance with depositing a check, please contact Customer Service at 800-450-8949 or read our Mobile Check Deposit Frequently Asked Questions (FAQs).


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