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  • Osceola, IA (641) 342-2175
  • Lamoni, IA (641) 784-3120
  • Winterset, IA (515) 462-5090

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Quick Pic Deposit

What is Quick Pic Deposit?

American State Bank Quick Pic Deposit is an easy way to use a mobile phone to deposit checks into your checking account.

Who can use American State Bank Quick Pic Deposit?

All banking customers that have valid Online Banking with American State Bank, with any active checking account, and have the Touch Banking App for iPhone or Android.

What devices will Mobile Deposit/ Quick Pic Deposit NOT be available?

BlackBerry devices

How do I sign up for Quick Pic Deposit?

You will need to be signed up for Internet Banking through americanstatebank.com.  When logged in, you will also need to sign up for Mobile Banking (Touch Banking).  You can also find our Touch Banking App in the Apple App Store and the Android Market.  Once you have both, you will then have access to Quick Pic Deposit the next day after proper file maintenance.

Is there a cost to deposit my check with American State Bank Quick Pic Deposit?

No, there is no cost to you up to the $2500.00 daily limit.

Does it have to be a business check?

No.  It can be any kind of check. Personal or Business as long as the total is within the daily amount allowed.

Can I deposit any type of check with American State Bank quick Pic Deposit?

American State Bank Quick Pic Deposit can accept most check types.

Yes: Personal, Payroll, Cashier Checks, and Government Checks

No: Money Orders, Traveler’s Checks, Foreign Items, HELOC Access & Credit Card Advance Checks, and Comdata Checks and two-party checks.

Is there a limit on the number of checks I can deposit?

There is not a set limit on the number of checks a customer can deposit using the Quick Pic Deposit, but only one check can be deposited per transaction.  There is a dollar amount threshold for daily deposit volume which is $2500.00.

  • If businesses extend over their daily limit, or deposit more than 3-5 checks daily, should consider consulting with ASB to discuss Remote Capture option.

You mentioned that there was a dollar amount threshold for daily usage with American State Bank Quick Pic Deposit, what does that mean?

There are limits on the dollar amount that can be deposited within the same day.  The amount is currently set at $2500.00 per day.  If you try to deposit over that amount, it will give you the message that the transaction cannot be completed.

When will my funds be available to me once I make my Quick Pic Deposit?

If you make a deposit using “Quick Pic Deposit”/ mobile deposit before 1:30 p.m. on a business day that we are open, we will consider that day to be the day of your deposit.  However, if you make a deposit using “Quick Pic Deposit”/ mobile deposit AFTER 1:30 p.m. or on a day we are not open, we will consider the deposit was made on the next business day we are open.

How will you know if the deposit is accepted?

After the deposit is submitted, customers may see one of the following statuses under “History” on the Touch Banking App for Mobile Capture.

  • Accepted - The deposit has been approved and customers have access to their deposited funds.
  • Pending - The funds deposited are in review.
  • Failed - The deposit has failed.  At this time the customer will need to contact American State Bank for the reason of “Failed” deposit.

Can I request an increase in my daily “Quick Pic Deposit” limit?

Yes, subject to approval. Any request $5000 or greater will be subject to an executive approval.  On ANY daily increase, you will incur a $1.00 service charge each time limit is changed.  Typical arrangements would not be permanent, original daily limit will be reset the following day for security reasons.  Exceptions would be if the account was approved for a permanent increase by a bank executive, and charge would be discussed at that time.

Is Quick Pic Deposit the best solution for our business customers?

While American State Bank does make Quick Pic Deposit available to all of our Online Banking customers, this does include business accounts.  However, please keep in mind the daily maximum, and if the business does have a high quantity of check or higher dollar amount, they may wish to consider American State Bank’s Remote Capture.  Ask any bank representative for more information.  Those who deposit 3-5 or more checks daily coming close to or exceeding the $2500 daily limit should speak with a representative.

Is there security features for inadvertently double depositing?

Yes, for 45 days our protection software will catch dual “Quick Pic” deposits.  HOWEVER, will NOT catch dual deposits if checks are deposited over the counter as well as done through “Quick Pic Deposit”.

When I take a picture of the check, do I need to capture the whole check in my picture, or is it okay to just capture the amount?

  • Customers should take a picture of the whole check.  They will be prompted to take a photo of the front and the back when the app prompts them to do so. 
  • REMEMBER: PLEASE WRITE ON THE BACK OF YOUR CHECK “FOR ASB MOBILE DEPOSIT” OR “FOR QUICK PIC DEPOSIT” This will be easier for us to identify, and also for you to keep track of what you have deposited through Quick Pic Deposit.  
  • Please sign your check as if endorsing normally
  • Date under the signature
  • If all four corners are not included in the picture, please select “RETAKE”.  Then you will retake, then preview front, then click “USE”

Should look like this for endorsement:
                                “ASB MOBILE DEPOSIT”
                                       Your Signature
                                                Date

What do I do with my paper checks after I’ve deposited them with American State Bank Quick Pic Deposit?

Once you have deposited the check successfully, you should keep the check in a safe place for 30 days.  After 30 days, and after you have confirmed the deposited funds have been applied to your account correctly, destroy the check and/or mark it “VOID”.

What happens if I change mobile devices?

Go to app store and download a new app, or you can go into internet banking, edit, and delete your current mobile device and download to new one.

Can we shut off Mobile Deposit availability immediately?

YES

Are there any helpful hints to make using American State Bank Quick Pic Deposit more efficient? 

  • Make sure the check amount entered matches the amount written.  
  • Verify that the back of your check is signed (endorsed), labeled “ASB Mobile Deposit” or “ASB Quick Pic Deposit”, and dated the day of deposit.
  • Flatten folded or crumpled checks before taking your photo.
  • Keep the check within the on-screen corners when capturing your photo
  • Capture the photos in a well-lit area
  • Place the check on a solid dark background before taking photo
  • Keep the phone flat and steady above the check when taking your photo.
  • Make sure the entire check image is visible and in focus before submitting your mobile deposit.

Directions to Quick Pic Deposit:

You need to be signed up for Internet Banking and then Mobile Banking. Log into your Mobile Banking account through your device.  The Deposit Tab is at the top of the screen for Androids and at the bottom for iPhones.  The screen instructions are pretty self-explanatory.

1. Click on the “Deposit” tab

2. Choose “New Deposit”.  Here is also where you can choose the “View Deposit History” as well.

3. Enter the dollar amount of the check and then click continue.

4. The iPhone tells you to take a picture of the front of your check.  The message also says to make sure to include all four corners of your check.

5. Once the pic is taken, a message comes up to make sure your image is clear and contains all four corners of your check, if not, select “Retake”.
      (Retake)  Preview Front  (Use)
       ***Click on the appropriate button***

6. Then the phone asks you to take a pic of the back of your check.  Again you get a message to take a pic of the back of your check as well as to be sure all four corners are included.

7. Once the back picture is taken, a message comes up to make sure your image is clear and contains all four corners of your check, if not, select “Retake”.
      (Retake)  Preview Front  (Use)
       ***Click on the appropriate button***

8. The phone gives you a message of “Sending Check”.

9. Next message on your phone: “Please keep your paper check for 30 days after  the funds are posted to your account.  Do you wish to deposit this check?” (No) (Yes)  ***Click on the appropriate button***

10. Message on your phone: Results- Deposit Pending, Account Number ****123, Amount $0.00.

*Funds are normally received within 2 business days.  Please keep your paper check until the funds are posted to your account.  Return later to view your deposit status.

*If anything does not go through correctly and fails, it will give the reason at this point.  For example: “Duplicate”, “not a clear image”, etc.

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Customer Testimonials

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"I switched to ASB because of their friendly and professional service."

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