Commerce Bank Mobile Check Deposit User Guide

Commerce Bank Mobile Check Deposit User Guide

Introduction Commerce Bank understands that you lead a busy life; as such, we are committed to offering products and services that allow you to bank on your schedule. As part of that commitment, we are proud to offer Mobile Check Deposit. Commerce Bank Mobile Banking already offers you the convenience and flexibility of managing your accounts anytime, anywhere. Now, you can quickly and securely deposit checks using our Mobile Banking apps for Apple and Android smartphones. It's a free service that's as easy as taking a picture with your phone!* Once you ve submitted a deposit, you ll receive rapid confirmation that your images have successfully been uploaded and your deposit is being processed, and funds will be credited the next business day*. We have created this User Guide as a resource to familiarize you with the easy-to-use Mobile Check Deposit service and to provide troubleshooting recommendations. Get started today! Mobile Check Deposit is an added feature within our free Mobile Banking apps for Apple and Android smartphones. If you are an existing Online Banking user, simply log in and navigate to Preferences > Mobile Check Deposit to self-enroll. If you do not use Online or Mobile Banking but wish to enroll, visit www.bankatcommerce.com or speak with a personal banker at any one of our convenient locations. If you have any questions, please contact our Customer Response Center at 1-800-698-2265 between 8 AM and 5 PM, Monday through Friday. *Web access is required to use Mobile Banking and Mobile Check Deposit. Check with your wireless carrier for fees that may apply. Mobile Check Deposit is available to Mobile Banking enrollees only. All terms applicable to Online Banking apply to Mobile Banking. Please see a Personal Banker for Terms and Conditions. Android is a trademark of Google, Inc.

Making a Deposit 1. Log in to Mobile Banking and select Make a Deposit from the Main Menu. 2. Select Submit a Deposit. (1) (2) 3. Choose the checking account to which you wish to make the deposit, key in the amount of the deposit, and enter the check number. If you have multiple checking accounts, use the drop-down control (1) to switch between accounts. When you re done, select Next (2). 4. Select Capture Image.

5. Position the phone over the check, ensuring all four corners are within the confines of the screen. Select Capture. 6. If you are satisfied with the image, select Use. Otherwise, select Retake and recapture the front of the check. 7. The image will be transferred (speed depends on network conditions). If the transfer is successful, you will see the message, Your media was sent successfully. Select Close. 8. Select Next.

9. Ensure that the check is properly endorsed with your signature and For deposit only to Commerce Bank and select Capture Image. 10. Position the phone over the check, ensuring all four corners are within the confines of the screen. Select Capture. 11. If you are satisfied with the image, select Use. Otherwise, select Retake and recapture the back of the check. 12. The image will be transferred (speed depends on network conditions). If the transfer is successful, you will see the message, Your media was sent successfully. Select Close.

13. Select Next. 14. Review the details of the deposit. If all the information is correct, select Submit. Otherwise, select Back. 15. If the deposit is successful and accepted, you will see a receipt screen with the details of the deposit and a Confirmation Code. If you receive an error message, reference the following page for assistance. 16. You can review all past Mobile Check Deposits on the RDC History Page when you select Make a Deposit from the Main Menu. Please note: Mobile Check Deposits will not appear in your account history until they actually post to your account.

Troubleshooting If you receive any of the following messages when submitting a deposit, please follow the respective instructions. Error Message Cannot read data on bottom of check, rotate check and please retake photo. Recommendation Ensure that the check is not upside down, and that the bottom of the check is unobstructed and completely visible in the photo. Check was previously submitted for deposit. Unable to process this check. The software has detected the check as a duplicate, and it cannot be processed. Could not find endorsement on back of check. Please make sure check is endorsed and retake photo. Please retake photo. Hold camera steady, use good lighting, ensure four check corners are visible. Ensure that the check is properly endorsed with your signature and For Deposit Only to Commerce Bank, and that the endorsement is completely visible in the photo. The quality of your image is too low, and the software cannot read the check. Placing the check on a solid black or white background may be helpful. If, after reviewing these tips, you are still experiencing trouble in submitting your deposit, please contact our Customer Response Center at 1-800-698-2265 between 8 AM and 5 PM, Monday through Friday.