Who is eligible for Mobile Remote Deposit Capture (RDC)?

Customers who have a Personal Checking or Savings account(s) are eligible for the Mobile RDC service if they are qualified for the service.

What if an account is not listed in Mobile RDC?

In most cases, eligible accounts will automatically be signed up for Mobile RDC. If you have an eligible account that has not been enabled, please call our Contact Center for assistance at 800 273 6908. Please note that accounts are pre-qualified prior to being authorized for use with the Mobile RDC service.

What types of checks can I deposit with Mobile RDC?

Most domestic checks may be processed through Mobile RDC. We are unable to accept Money Orders, Foreign Items, or Savings Bonds through Mobile RDC.

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

Yes. You may use the service to deposit items according to the limits specified in the Mobile Terms & Conditions. Any items presented in excess of the limits will be returned at our discretion.

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.

How do I endorse my check for Mobile RDC?

You should sign your check with the following endorsement:

• For Mobile Deposit Only at Northern Bank & Trust
• Your Signature

How will I know if my deposit was received by the bank?

You will receive a notification by e-mail when your deposit has been received.

How will I know if the bank processed my deposit?

When your deposit is processed, you will receive a second e-mail notification on the status of your deposit. This e-mail will indicate if the deposit was approved or declined for processing. If declined, a reason will be provided.

When will a deposit made through Mobile RDC show in my balance?

Deposits may be made with Mobile RDC at any time. If your deposit is approved before our daily cutoff time, your deposit will post to your account on the next business day. Funds availability may be limited under certain conditions. Please refer to your Mobile Banking Terms and Conditions document for more information.

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.

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 visit your closest branch.

Do I destroy my check after I photographed the deposit?

No, keep the check until it posts to your statement. 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.

Will my deposited check be viewable in transaction history?

Yes. You may view your transaction history in Mobile Banking.

Can I make my opening account deposit through Mobile RDC?

No, at this time the Mobile RDC functionality cannot be used to initially fund a new account.

How long after opening an account may I start using Mobile RDC?

When your account application processing is completed by our Deposit Operations Department, they will setup your accounts for Mobile RDC. Once the accounts are setup, they will be evaluated to confirm they meet certain criteria prior to being authorized for use with the Mobile RDC service.

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 Deposit 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 banking process. Should this occur, you will receive a declined deposit notification for the second deposit received through the Mobile RDC service.

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

If a deposit is returned, please do not re-deposit the check within the Mobile RDC functionality. You will receive written communication from the bank through the US Postal Service if a deposit is returned.

If I need additional information on Mobile RDC, who may I call?

For additional assistance, please call our Contact Center at 800 273 6908.