Mobile Check Deposit FAQs

Q: Who is eligible for Mobile Check Deposit?
A: Customers who have a Personal or Business Checking, Savings, or Money Market (with the exception of ReStart Checking) account that’s in good standing and has been opened a minimum of 30 days can use this free service.
Can I make my opening account deposit through Mobile Check Deposit? No, at this time the Mobile Check Deposit cannot be used to initially fund a new account. This feature will not be available until 30 days after the account opening.

What if an account is not listed in Mobile Check Deposit?

In most cases, eligible accounts will automatically be signed up for Mobile Check Deposit. If you have an eligible account that has not been enabled, please call us at 888‐254‐9500 for assistance. Please note that accounts are pre‐qualified prior to being authorized for use with this service.

Are there any limits on the dollar amount of deposits I can submit?

Yes. $5,000 per day / $7,500 per week / 5 checks per day / 35 checks per week
You cannot deposit more than $7,500 via Mobile Check Deposit within a 7 day time period.

How do I endorse my check for Mobile Check Deposit?

You should sign your check with the following endorsement:
  • For Mobile Deposit Only
  • Marquette Bank
  • Customer's Signature

What types of checks can’t I deposit with Mobile Check Deposit?

Ineligible Items
  • Checks previously returned to you unpaid for any reason.
  • Checks previously converted to a substitute check or an image replacement document.
  • Checks that contain evidence of any alteration or that you suspect may be fraudulent or otherwise not authorized.
  • Checks that are payable to another person or entity and then endorsed by you.
  • Checks drawn on an institution outside of the United States, or not payable in U.S. currency.
  • Checks that are postdated or more than six months old.
  • Checks payable to Cash.
  • Travelers Checks.
  • Money Orders, Foreign Items, Savings Bonds, or Third Party Checks that are otherwise not acceptable under the terms and conditions of your Bank account agreement.

How will I know if Marquette Bank received my deposit?

You will receive a notification by email when your deposit has been received. When your deposit is processed, you will receive a second email notification on the status of your deposit. This email will indicate if the deposit was approved or declined for processing. If declined, a reason will be provided.
Once your deposit has been processed you will receive another email. If your deposit is approved before our daily 5:00 p.m. cutoff time, your deposit will post to your account on the next business day. Funds availability may be limited under certain conditions. You may view your transaction history in Mobile Banking or Online Banking once your deposit has been processed You may also check the Marquette Bank website for more information on Mobile Check Deposit  and holds or call 888‐254‐9500.

Do I photograph both the front and the back of my check?

Yes. During the deposit process, you will be required to photograph the front and back of your check.

Can I photograph more than one check at a time?

You may photograph multiple checks in the same mobile banking session; however you may only photograph one check per deposit. We suggest you keep the check for 10 days. Afterwards, you may securely destroy the check. Do not VOID the check after submittal in the event the deposit is not approved and needs to be re‐submitted.

What if the check image I photographed is bad?

You have the option to retake photographs of the check before submitting or you may cancel the deposit. Also, the system will notify you if the image is unclear for processing. If you are unable to photograph a clear image, please bring your deposit to any of our Branch locations.

What if I submitted a deposit for the wrong amount? Do I need to resubmit the deposit?

No, you do not need to resubmit your deposit. If you entered the wrong amount for the deposit, our operations department will correct the deposit amount

What if I submit the same deposit twice in error?

If the same deposit is submitted twice, it will be identified and stopped by our process. Should this occur, you will receive a declined deposit notification for the second deposit received through the Mobile Check Deposit service.

What if I submit the same check to Marquette Bank and another financial institution?

The financial institution where the funds are being debited will submit a chargeback notice to one of the depositing financial institutions.

A check I submitted was returned, can I resubmit it?

If a deposit is returned, please do not re‐deposit the check with the Mobile Check Deposit feature. You will receive a notice from Marquette Bank through the US Postal Service if a deposit is returned.

How would I know why my deposit wasn’t accepted and what action should I take?

You would receive an email letting you know why your deposit was declined. Below is a list of decline reasons and actions you should take.
Decline Reason Action you should take
A duplicate check was detected Do not resubmit
A foreign check was deposited
Do not resubmit, take item to local branch for collections
Account number is missing from endorsement Correct item and resubmit
Check missing date Do not resubmit
Duplicate Deposit Do not resubmit
Endorsement does not match account selected for deposit  
Do not resubmit
Missing signature on check Do not resubmit
Non-negotiable item Do not resubmit
One or more deposit limits exceeded Take to local branch for deposit
Other Contact 1-888-254-9500
Poor image quality was detected that requires you rescan your deposit  
Signature is missing from endorsement Correct item and resubmit
Post-dated check Resubmit once the check date is met
Stale-dated check Do not resubmit
The check deposited is missing endorsement Correct item and resubmit
The check deposited is not eligible for remote deposit  
Take to local branch for deposit
Third Party Check is not eligible for remote deposit  
Take to local branch for deposit
Your daily deposit limit was exceeded Take to local branch for deposit

Are there any fees?

There is no fee for consumer accounts. For business accounts the standard deposit fee of $1.00 per deposit will apply, but Mobile Check Deposits will not count toward your number of transactions for the account. Also, check with your mobile phone provider about data fees.