Mobile Deposit

Deposit Checks From Virtually Anywhere

Mobile Deposit is Here!

Mobile Deposit gives you the ability to deposit checks from virtually anywhere using our mobile app. You’ll have the ability to deposit checks whenever it’s convenient for you. You simply endorse the check and using your smartphone just Tap, Snap, Deposit. It’s that easy! If you don’t already have our mobile app, download it today so you can experience the convenience of Mobile Deposit!

Mobile Check Deposit is available to Fulton Savings Bank Online Banking Consumer and Business Customers (DBA/Sole Proprietorship only) who download our mobile app.

If you already have the mobile app, simply Log In and click on the Mobile Deposit tab to use this feature. To register for Express Online Banking go to Once you are registered, visit your App store to download the Fulton Savings Bank, FSB Mobile app.

Use your smart phone or tablet to Log In to the Fulton Savings Bank Mobile app and click on the Mobile Deposit tab. Snap a picture. Click Make Deposit to deposit your check in your Fulton Savings Bank account. Spend it, save it, or use online banking to manage it.

Most domestic checks (personal and business) made payable to you can be deposited. Money orders, cashier’s checks, or traveler’s checks, drawn on or payable at or through a United States bank can also be deposited using Mobile Check Deposit.

The following types of checks CANNOT be deposited through MD:

  • Third-party checks (checks payable to any person other than the person who owns the account into which the check is being deposited.
  • Checks containing evidence of alteration to the information on the check.
  • Checks payable jointly, unless deposited into an account in the name of all payees.
  • Checks not payable in U.S. currency.
  • Checks drawn on a financial institution located outside the United States.
  • Checks that are “stale dated” (6 months or more) or “postdated” (future)
  • Checks that have been previously deposited to any financial institution or have been rejected or returned unpaid or non-payable.
  • Checks that are incompletely filled out.
  • Checks on which a stop payment has been issued or for which there are insufficient funds.
  • Remotely created checks or checks previously converted to “substitute checks.”
  • Any item stamped “Non-negotiable” or “This is not a check”.
  • Bonds
  • CASH

Your signature and “For Mobile deposit only” is all you need to write on the back of the check. “IMPORTANT” that checks are endorsed as stated or they will be returned and the funds will not be available in the account. If the check is made payable to you and other individuals or entities, signatures from all parties listed on the check must be included.

One check per deposit can be made, up to 5 checks per business day. The maximum amount per business day is $5,000.

Express Online Banking, FSB iMobile Banking, and Mobile Check Deposit are available 24/7, including weekends and holidays except during routine maintenance downtime.

Fulton Savings Bank checking, money market, and statement savings accounts (Excludes passbook, and club accounts) accept mobile deposits. A drop down menu will include a list of accounts that are available to you. The total for each check must be deposited into one account. Online and Mobile Banking can be used to transfer funds from one account to another. Online transfers cannot be made from club and CD accounts.

After you click on Make Deposit, a confirmation message stating that “Your check has been received” will appear. A second email will be sent once it has been approved. Confirmed check deposits are subject to verification. Fulton Savings Bank reserves the right to refuse a check deposit for any reason. If your deposit was not accepted, an email notification will be sent to you within one business day.

Funds will generally be available on the second business day after the day we receive your deposit. Longer delays may apply. Please see full Funds Availability disclosure in our Account and Service Agreement.

You should do the following with your original check after you deposit it through MD:

  • Verify your deposit.
  • Store your check in a secure location for 60 days, and then destroy it.

Call 315-592-3149 to speak to a Customer Service Representative or send us a secure email by clicking = (Service Center) and click on Messages, or contact us online.

Guidelines For Taking Good Deposit Pictures

Good Lighting
Take pictures in well-lit areas. Sunlight or good artificial light is satisfactory, as long as there is enough light for good visibility.

No Deep Shadows
Avoid shadows such as those created by holding the camera between the check and the light source, especially if they cover only part of the check, creating strong contrast.

One Check at a Time
Only the check being captured should be visible in the picture so that the software can find it against the background.

Use Dark or At Least Mostly Monochrome Background
The background should be of a uniform, preferably darker color, especially if the check itself is light colored. The purpose is to make sure the software can find and crop the check from the rest of the image.

No Other Objects in the View Window
Avoid having other objects in the frame, such as other papers, pens, books – anything other than the check and a uniform background.

Entire Check Visible
Make sure the check is not cut off by the edge of the view window, a deep shadow, or other objects. All four corners need to be visible.

Good Focus
Very important! Make sure the image is sharp and focused. For some cameras (i.e. IPhone), this means pulling back from the check, as being too close will cause the image to blur.

Avoid Excessive Angles
Hold the camera as close to directly above the check as possible without casting shadows over it. Mobile Deposit software will successfully detect and correct images taken at angles up to approx. 40 degrees from vertical, which is enough to hold the camera comfortably while taking the picture.

More Information on Mobile Banking