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Mobile Check Deposit
Mobile Check Deposit

Mobile Check Deposit is convenient, secure and available now from Arvest Bank. Using an iPhone®, iPad® or Android™ device, customers can deposit checks into their eligible Arvest accounts in a few simple steps. Save yourself a trip to the bank and deposit checks anywhere, anytime.

  • Deposit checks 24 hours a day
  • Cutoff time is 8pm CST
  • Secure and convenient
  • Eliminates trips to the bank

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You must download the application and enroll in Arvest mobile banking prior to using the Arvest Mobile Banking app.

Arvest Mobile Banking

For more detailed information about Mobile App Banking, please review the FAQs below.

Who is eligible for Mobile Check Deposit?

Customers who are enrolled in Mobile Banking and have an eligible checking or savings account.

A Mobile Banking customer who is eligible for Mobile Check Deposit will be presented with terms and conditions after accessing the Deposit Check function within the Mobile app.

Any customer not eligible for Mobile Check Deposit will receive a message that the account is not currently eligible for the mobile check deposit service when trying to access within the Mobile app.

What types of accounts are eligible for Mobile Check Deposit?

All consumer checking or savings product types excluding Restore Checking, Health Savings, Spending Cards, Unidos and Home Equity Line of Credit accounts that meet specific qualifications will be eligible for Mobile Check Deposit.

Free Small Business Checking, Small Business Checking and Small Business Club Checking accounts are also eligible for Mobile Check Deposit once qualifications have been met. A per deposit fee applies to these business accounts. All other business checking and savings product types are ineligible to use Mobile Check Deposit.

What qualifies my account in order to use Mobile Check Deposit?

Customers will automatically be qualified to participate in Mobile Check Deposit if they have a supported checking or savings account considered to be in good standing for at least 90 days. For further information about qualifications, please contact Customer Service at (866) 952-9523.

What types of checks can I deposit with Mobile Check Deposit?

Any check drawn on institutions located in the United States that have a MICR line can be processed through Mobile Check Deposit.

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

There is no limit for number of deposits allowed. The standard deposit limit of $2500 per business day and $10000 per rolling 30 days will apply.

Are there fees associated with using Mobile Check Deposit?

There is currently no charge for consumer customers to use this service when depositing to a personal checking or savings account. Small Business product customers will incur a charge of $0.50 per check deposited.

How do I make a deposit using Mobile Check Deposit?
  1. Launch the Mobile Banking App, log in and select Deposit Check
  2. Take a picture of the front of the check
  3. Take a picture of the back of the check
  4. Select Account for deposit
  5. Enter Check Amount and Select Deposit
  6. Review Deposit and Confirm to submit
Do I need to 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 Check Deposit?

You will endorse your check exactly as you would if depositing at an Arvest location.

How will I know that Arvest Bank received my deposit?

You will receive a deposit confirmation on the screen after submitting your deposit that will state your deposit has been received.

When will my deposit post to my account?

The first $200 of all Mobile Check deposit(s) combined will be posted immediately after the deposit has been received. If the deposited amount exceeds $200, the remainder of the deposit(s) will be available the next business day. Some exceptions may apply.

Is there a cut-off time to make my deposit?

If you make a deposit with Mobile Check Deposit before 8:00 p.m. (CST) on a business day, we will consider that day to be the day of your deposit. However, if you make a deposit with Mobile Check Deposit after 8:00 p.m. (CST), on a weekend or federally observed holiday, we will consider that the deposit was made on the next business day.

Can I deposit more than one check at a time?

You can deposit multiple checks in the same mobile banking session; however you may only photograph and submit one check per deposit at a time.

What if the check image is bad?

If the check image is unclear or critical information is missing then you will receive an error message asking you to recapture the image. You may retake photographs of the check by selecting the Retake button after image has been capture. If you are unable to photograph a clear image, please deposit your check at one of our Arvest Bank locations or ATM.

What do I do with the check after using Mobile Check Deposit?

You will need to retain the check for 30 days after receipt of confirmation that we have received the deposit. After the full deposit has posted and 30 days has passed, you may mark the check “VOID” and destroy it.

Can I make my opening account deposit through Mobile Check Deposit?

No, at this time Mobile Check Deposit cannot be used to initially fund a new account.

What if I submitted a deposit for the wrong amount?

If a different amount is entered than detected on the check, you will receive an error message informing you that the amount entered does not match. You will need to verify the amount of the check and retake the photo to deposit.

What if I submit the same deposit twice in error?

If the same deposit is submitted twice, you will receive an error message informing you that the check has already been deposited or cannot be accepted.

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

No. If a check is returned for insufficient funds, you may not re-deposit the check through Mobile Check Deposit.

I keep receiving a blurry image error message when attempting to submit the deposit. What might the issue be?
Taking high-quality photos of the check is the best way to make Mobile Check Deposit quick and easy. Here are some hints to keep in mind:
  • Good Lighting
  • Dark background
  • Avoid Shadows
  • Only check visible, no other objects or edges
  • Align the check within the green guidelines on the screen
  • Focus is important - being too close can make the image blurry
How secure is Mobile Check Deposit?

Arvest Mobile Banking requires a secure login for access. No one is able to access your account information without knowing your unique username and password. We also use multiple security layers, including data encryption to protect information sent and received. For added security, Mobile Banking never transmits or stores any confidential data on customer devices and ensures that all private information sent shields personal details.

Message and data rates may apply, please consult your mobile carrier for details. To opt out of text banking, you may text HELP to 36272 for additional support or call customer service at (866) 952-9523. View terms and conditions. Participating carriers include (but are not limited to): Alltel, Aliant, AT&T/Cingular Wireless, Centennial Cellular Corp., Dobson Cellular Systems (AT&T Wireless), CellSouth, MTS Mobility, Nextel/Boost USA, NTelos (Virginia PCS), Rural Cellular Corp., Suncom, Telebec, Sprint, Telebec, T-Mobile (VoiceStream), US Cellular Corp., Verizon Wireless and Virgin Mobile USA. Copyright 2012 Arvest Bank. All rights reserved.