MOBILE BANKING Mobile Check Deposit Help Guide Deposit Checks From Your Mobile Device With Mercantil Mobile by Mercantil Commercebank, you can deposit checks using the camera on your mobile device. When using Mobile Check Deposit, you may deposit as many checks as you need to each day, up to $2,000 per single deposit. There is a $5,000 monthly limit per account for deposits made with Mobile Check Deposit. The following deposit instruments cannot be processed through Mobile Check Deposit: • • • • Cashier’s checks Money orders Traveler‘s checks Checks drawn on banks in foreign countries Requirements to use Mobile Check Deposit: • • • Enroll in Mercantil Commercebank’s mobile banking service by visiting mercantilcb.com Have a personal checking account with Mercantil Commercebank Use a supported iOS camera-enabled mobile device STEP 1 PREPARE TO MAKE THE MOBILE DEPOSIT Check Deposit 1 Endorse the check 2 Logon to mobile banking and select Check Deposit MOBILE BANKING Mobile Check Deposit Help Guide I 1 3 Choose the account into which you want to make the deposit by selecting the arrow. A list of your deposit accounts will appear for you to make your selection 4 Enter the amount of the deposit MOBILE BANKING Mobile Check Deposit Help Guide I 2 STEP 2 CAPTURE AND TRANSMIT THE CHECK IMAGE 1 Flatten the check and place it on a dark, non-reflective surface Tip: Be sure there is enough light to distinguish the check from the background 2 Hold your device to focus the image of the check. Hold the device steady, and if necessary, touch the screen to focus the check. Make sure the entire check is inside the frame and touch the camera icon on the right when you are ready Tip: We recommend you take the picture standing up (not sitting down) 3 Capture the front of the check image by selecting the camera icon MOBILE BANKING Mobile Check Deposit Help Guide I 3 The image will be displayed for you to review. 4a If it is not readable, click Retake to capture another image of the check 4b If you can read the details on the check, click Use to keep the image NOTE: If our Mobile Check Deposit system is unable to correctly interpret the writing on your check, you can deposit your check at any Mercantil Commercebank Banking Center or ATM. 5 Select Continue MOBILE BANKING Mobile Check Deposit Help Guide I 4 Turn the check over so that the back (endorsed side) is visible. 6 Flatten the check and place it on a dark, non-reflective surface Tip: Be sure there is enough light to distinguish the check from the background 7 Hold your device to focus the image of the check. Hold the device steady, and if necessary, touch the screen to focus the check. Make sure the entire check is inside the frame and touch the camera icon on the right when you are ready. Tip: We recommend you take the picture standing up (not sitting down) 8 Capture the back of the check image by selecting the camera icon MOBILE BANKING Mobile Check Deposit Help Guide I 5 The image will be displayed for you to review 9a If it is not readable, click Retake to capture another image of the check 9b If you can read the details on the check, click Use to keep the image 10 Select Approve or Deposit Check MOBILE BANKING Mobile Check Deposit Help Guide I 6 Once your deposit has loaded completely, you will be prompted to go to the Check Deposit Acknowledgment screen. Your deposit has been sent for processing.1 11 To deposit another check, select Make Another Deposit and follow steps 1 through 10 described above Note: We recommend that once your check is deposited and shown as available in your account, you VOID it immediately. 1 Deposits submitted before 3 PM EST on a business day will be processed on that same business day. Deposits submitted after 3 PM EST or on a non-business day will be processed the next business day. May 2014 Mercantil Commercebank, empowering your world www.mercantilcb.com