Remote Deposit

Mobile Deposits

The Mobile Deposit feature on the FREE CharterGo Mobile Banking app lets you capture a picture of a check and deposit it anywhere at any time! Depositing checks has never been easier.

To learn how to download the CharterGo App, visit our Mobile Banking & Deposits page.

How to make a Mobile Deposit

Step 1

Endorse the back of the check with the following items: the signature of the payee(s) named on the front of the check (two party checks must be properly endorsed by all parties), if a business include business name and representative's signature or you may utilize a business deposit stamp, AND the text "For Mobile Deposit Only CharterWest Bank."

Step 2

Login to your CharterGo Mobile Banking app. Select "Deposit" from the main menu.

Step 3

Select “Deposit a check.”

Step 4

Select the account you wish to deposit the check into.

Step 5

Enter the Check amount. Ensure the amount you entered matches the amount written on the check.

Step 6

Take photos of the front and back of the check, against a solid dark background, without any objects. Flatten folded or crumpled checks before capturing any images. You will need to allow the app access to your camera. Ensure the entire check is visible within the four corner markers, in focus, and well lit. Keep your device flat and steady to hold the camera as square to the check as possible to avoid skewing of the captured image. When the images are clear and fully visible, select Use or you may Retake the images as needed.

Step 7

Once both images have been captured, choose Edit to make changes to your deposit or Make deposit to confirm the deposit.

Step 8

Next you receive confirmation of your deposit. You may choose to start a New deposit from here.

Important Information

You may view the status of your deposit by selecting “View mobile deposit history” from the “Deposit” menu. Statuses include Pending, Accepted, and Failed. Select the deposit you wish to view more details on, select the Check amount to view the images of the captured check.

We recommend marking the front of the item with “Mobile Deposit and {Date}”. You should keep the original item in a secure place for at least 30 days after the mobile deposit posted to your account. After the 30 days, you should destroy the original item by shredding it or by any other permanent deletion manner that does not allow the original item to be accessed by an unauthorized person(s) and in a manner that the original item is no longer readable or capable of being reconstructed.

Mobile Deposit Limits: $2,000/day and $2,000/deposit

Daily Cut-Off: 4:00 pm Central Time on banking days

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