Mobile Banking

Mobile Deposit is available to our Netteller customers enrolled in the Mobile Banking app. Mobile Deposit allows customers to be able to make deposits to their checking and savings account via their mobile device, at their leisure, without having to visit a bank branch!

When you download the Mobile Banking app you will be able to make mobile deposits provided you meet the following criteria:

• Miners State Bank customer for a minimum of 30 days with a checking or savings account
• Miners State Bank NetTeller Online Banking customer
• Have not been overdrawn more than (1) time in the last 6 months
• No more than one (1) returned deposit item in the last 6 months
• Loans not past due in the last 6 months

No. There is no fee for making deposits via Mobile Deposit (data charges may apply).

No. The Mobile Deposit system will automatically create an electronic deposit slip for you so there is no need to fill out a deposit slip.

Yes. You will need to endorse the back of the check.  Your deposit will not process until an endorsement is visible.  It's also important that you write "For Mobile Deposit Only" under your endorsement.

• Enroll in Online Banking. An approval / decline letter will be sent.
• Download and log in to the Mobile App
• Select ‘Deposit’ from the bottom of the screen
• Select the Account that you wish to deposit to
• Enter the amount of the check
• Select ‘Continue’
• Take a picture of the front & the back of the check making sure that the back has a signed endorsement and the words "For Mobile Deposit Only". Make certain that all four corners of the check are viewable in the image to ensure image quality.
• Confirm the deposit details by clicking ‘Yes’
• If the deposit is submitted properly, it will show a ‘Deposit Pending’ screen

The 'Deposit Pending' deposit status will change to 'Accepted'.

‘Accepted’ times may vary, please allow up to two business days for processing.

Note:  There is also an Account Alert available that is specific for Mobile Deposit. These alerts can be set up through your online banking while using a PC. Select the account that you would like to receive the alert for, select ‘New’ under the Messages box located on the right hand side of the account screen, select the account and alert type, select whether you would prefer to receive the alert via email or text message, select ‘Finish’.

The Deposit status will change to ‘Failed’. Reasons a deposit fails include but is not limited to the following scenarios:

• Check was not endorsed properly
• Check was not made out to the owner of the account
• Check submitted dollar amount and the legal dollar amount mismatch
• Check not made out in US funds
• Check presented was a third party check

Yes. There is a daily deposit limit of $2,500.00. You can make five (5) deposits in a single day as long as the aggregate is at or below the $2,500.00 limit.  Aggregate amount of $5,000 for commercial accounts.

Note:  A ‘day’ for Mobile Deposit services is defined as from 2:30 pm Central Standard Time (CST) to 2:30 pm CST the following business day. For example, if you submit a deposit at 4:00 pm on Friday, the $2,500.00 limit applies until 2:30 pm on Monday.

Deposits may be submitted 24 hours a day, 7 days a week. Mobile Deposit is always available; deposits made after the cutoff time or on non-processing days will be made available on the second business day after the deposit.

Deposits made before the 2:30 pm CST cutoff time on processing days will be made available within two (2) business days. Deposits made after 2:30 pm or on non-processing days will be made available on the second business day after the deposit.

Yes. You can deposit to any checking or savings account on your Netteller as long as you are under your total daily deposit limit.

Deposits will be available to be viewed within the deposit transaction history screen within Mobile Banking for 30 days after the deposit date.

Yes. There are items that are not accepted.  The items include but are not limited to the following:

• Checks Payable Jointly, unless deposited into an account in the name of all payees
• Fraudulent Checks
• Substitute Checks
• Foreign checks - checks drawn on Foreign Banks
• Government/Savings Bonds
• Money Orders
• Checks that are incomplete or Checks where the numerical and written amounts are different
• Travelers Checks
• Third party Checks
• Checks not payable in United States currency
• Postdated checks or stale dated checks (6 months after the check issued date)
• Images of Checks
• Checks previously submitted through the Service or through a remote deposit service offered at any other financial institution.

Checks payable in US Dollars and drawn on any US Bank including but not limited to the following:

• Personal Checks
• Cashier’s Checks
• Business Checks

No. There is no separate password required for Mobile Deposit, just your four digit PIN.

Yes. Mobile Deposit is an extension of the Mobile Banking app and as such, maintains the same level of security. When you log into the app you are still required to authenticate yourself using the same online banking information as with Netteller. All communication between your mobile provider, mobile device, and the mobile banking service is encrypted. In addition, your password, challenges answers, and account information is never stored by the mobile device or the Mobile Banking app.

Note: It is always a good practice to utilize the built in security features on your mobile device. These security features may include but are not limited to a shortened screen lock time and an access password to unlock your device.

It is important that you keep the check for 60 days after the deposit shows in your account. After which, it is suggested that the check be shredded or incinerated for security purposes.

Note: You may wish to write ‘deposited’ or ‘void’ on the front of the check as a reminder of the check status.

If you have any further questions, comments, or concerns; please feel free to call us at (906) 265-5131 Monday through Friday 8:00 am – 4:30 pm CST.