Overview

Mobile Check Deposit (MCD) is a secure service from Wilcox that allows you to scan checks remotely and transmit the check images to the bank for deposit, enabling quick deposits while using your smartphone.

Don't have our mobile app?

Download it for free:

  • Download our Mobile Banking app on iTunes App Store
  • Download our Mobile Banking app on Google Play

How do I use Mobile Check Deposit?

  1. Log into Wilcox App for Android or iOS.

    Light blue button labeled 'Sign On'

  2. Click "Deposit".

    Blue button with camera icon labeled 'Deposit'

  3. Follow the on-screen instructions.

    Device mock-up showing example of on-screen instructions

  4. Tap on the button labeled "Front" to take a picture of the front of your check. Place your check on a flat surface with a dark background and good lighting.

    Blue outlined circle camera icon labeled 'Front' Note: Wilcox App will require access to your camera when prompted.

  5. Tap on the button labeled "Back" to take a picture of the back of your signed check.

    Blue outlined circle camera icon labeled 'Front' Note: You cannot upload a picture from your photo album.

  6. Tap "Deposit To" to select the account(s) from the options presented.

    Screenshot example of 'Deposit To' select feature

  7. Confirm the amount to be deposited.

    Screenshot example of 'Amount' field confirmation with total amount Note: This must be the same amount denoted on the check.

  8. Confirm the account email that the mobile check deposit receipt will be sent to.

    Screenshot example of 'Email Receipt To' field with email address Note: Availability of your deposited funds is based on your financial institution’s hold policies.

  9. Click "Approve" to complete your mobile check deposit.

    Screenshot example of approval screen with deposit amount, account information, 'Approve' and 'Cancel' white buttons

  10. Retain your physical check for 60 days and then destroy it.

Mobile Check Deposit FAQ

  • How do you keep my data safe?
  • Advanced encryption and security technology:
    • Credentials are not stored on your mobile device
    • Check images are not stored on your mobile device
  • How quickly will my money be in my account?
  • If deposit is made before 2 pm the funds should be available before 5 pm. For deposits made after 2 pm, the funds should be available before 5 pm on the next business day.
  • Can I use my tablet or online?
  • No. This service is secured with the Wilcox App only. You may view activity on your tablet browser or online account at any time, but mobile check deposit is only supported on our App.
  • Do I have to deposit during business hours?
  • No. You can deposit at any time, from anywhere. Your funds may not be verified at 5pm on business days or on weekends and holidays, but they will be processed within 24 hours of business operations.
  • What if I want to deposit some of my check into one account, and some in another?
  • Deposit all of your check into one account. When your balance is posted, transfer fee-free from our Wilcox App to each account you desire with ease.
  • Can I still deposit checks at my branch if I want to?
  • Yes. Checks are always still accepted at the branch. However, you may not deposit a check that you have already deposited on Mobile Check Deposit.
  • Can I deposit multiple checks at one time?
  • No. You may submit as many checks as needed. However, you will have to repeat the deposit process for each individual check.
  • What if I encounter a problem with Mobile Check Deposit?
  • Contact our support team:
    • During business call your local branch
    • After hours call: (800) 971-2512