What is Mobile Deposit1?
Mobile Deposit allows members to deposit checks remotely with HawaiiUSA Mobile Banking2 AndroidTM or Apple® apps and through Online Banking using a desktop scanner or by uploading check images. Members can deposit up to their deposit amount limit to their HawaiiUSA checking, savings, or money market account.
What are the system requirements to use Mobile Deposit?
Mobile Deposit is available on Android and Apple apps, and through HawaiiUSA Online Banking.
Mobile Banking App Devices:
- Smartphone with Android™ 2.2 operating system or greater
- Android™ Tablets
- iPhone® 3GS or higher
- iPod touch® 4S or higher
- iPad® 3 or higher, and iPad mini™
- Internet Explorer, Firefox, and Chrome browsers are compatible with the desktop scan feature. Safari browser can upload check images only.
- TWAIN compliant desktop scanners (optional)
- Java plug-in (optional)
How do I access Mobile Deposit in Mobile Banking?
You must be enrolled in Online Banking and download the HawaiiUSA’s Mobile Banking Android or iOS app, available for free download at the Google Play Store or Apple app store.
Is there a fee to use Mobile Deposit?
No. HawaiiUSA does not currently assess any fees for using Mobile Deposit.
Am I eligible for Mobile Deposit?
Mobile Deposit is available to consumer, trust, and business accounts that meet the eligibility criteria defined by HawaiiUSA. An eligible Mobile Deposit account can be revoked at any time without notice.
Are there any deposit limits on dollar amounts?
Yes, there are three limits:
- Per Deposit Limit: The maximum dollar amount permitted for a single deposit.
- Daily Deposit Limit: The maximum dollar amount permitted for a single day.
- Rolling 30-day Deposit Limit: The maximum dollar amount permitted for a 30-day period (based on calendar days, including weekends and holidays).
Deposit limits will be separately disclosed to you via email after you register and qualify for Mobile Deposit.
Why am I no longer eligible for this service when I was before?
Mobile Deposit eligibility is determined on a daily basis. An eligible Mobile Deposit account can be revoked at any time without notice.
What account types can I make a deposit to via Mobile Deposit?
Share, share draft, and money market accounts are qualified account types to deposit checks to via Mobile Deposit.
Can I cancel Mobile Deposit service from my account?
Yes. You can complete the Online Cancellation Services form found on our website and mail or drop-off to any HawaiiUSA branch. Please allow up to three (3) business days to process your request. After Mobile Deposit service is cancelled, the app will still display “Make a Deposit” on the menu screen, but the feature is disabled on your account.
Are my Mobile Deposit transactions secured?
Yes. Mobile Deposit transactions on the Mobile Banking app are secured using a 128-bit SSL encryption. Also Mobile Banking app will automatically log off if there is no activity after 10 minutes or when the mobile device auto locks, whichever occurs first.
Make a Deposit
How do I submit a Mobile Deposit?
- Log into Mobile Banking
- Click on “Make a Deposit”
- Select your deposit account and enter the deposit amount, properly endorse the back of the check
- Take a picture of the check front and back and click Submit
- Log into Online Banking
- From the Services menu select Mobile Deposit
- Select your deposit account
- Follow the onscreen steps to submit your check deposits
- Note: Click on the Help menu or icon in the Mobile Deposit screen for more information.
Note: Click on the Help menu or icon in the Mobile Deposit screen for more information.
What is the proper way to endorse my check?
Please ensure the check is clearly endorsed as follows using blue or black ink: 1) “For HawaiiUSA Mobile Deposit only” and 2) your signature. Check deposits missing the proper endorsement requirements will be declined. You may submit your check for Mobile Deposit after properly endorsing your check.
What types of checks can I deposit using Mobile Deposit?
The following are eligible items for Mobile Deposit, all items must be payable to you only:
- Personal, business, Federal and State checks
- Checks drawn from a U.S. financial institution
- Checks payable in U.S. dollars
Please refer to Mobile Deposit Disclosure and Agreement for more details of eligible and unacceptable deposits items.
What if my check is greater than the available deposit limit shown?
Mobile Deposit can be used only to deposit checks up to a combined total of your approved maximum deposit limits.
What should I do if I deposited my check to the wrong share account?
Simply transfer the funds to the correct share by transferring the amount in Mobile Banking or Online Banking once the funds become available.
How will I know if my check deposit was received by HawaiiUSA?
After you submit your check deposit, you will receive an on screen message that says “Check Processed and Held for Review.” You can also go to the Mobile Deposit History screen to view any pending deposits you have submitted. If the deposit is not listed, check your Account Transaction screen for the deposit transaction.
When will I know that my deposit was accepted?
If your check deposit was received on a business day and requires additional review, you will receive an email notification that your deposit was accepted or declined before 1:00 p.m. HST that business day, otherwise an email notification will be sent the next business day. If no review is required, your deposit will be posted to your deposited account without email notification.
When is my deposit available for use?
Deposits received on a business day before the cutoff time of 1:00pm HST, we will consider that day to be the day of your deposit, otherwise the next business day will be consider the day of your deposit. We will make the first $200 available on the next business day from your deposit date. The remaining funds will not be available until three (3) business days from the day of your deposit date. For check hold information, please go to Account Transaction screen.
Will I be notified if there is a problem with my deposit?
Yes. You will receive an email notification that will include a reason why your check deposit was declined. For further questions you may contact our Member Service Center at (808) 534.4300 or toll-free at (800) 379.1300.
What do I do if I receive an email that my deposit was declined?
Review the reason why it was declined and make any necessary corrections and re-submit your deposit.
What do I do with my check after I submit to Mobile Deposit?
Once you received an email notification of your accepted deposit or confirmed your deposit transaction, write “VOID” on the front of the check.
How long do I have to keep my original check?
Securely store your checks deposited through Mobile Deposits for a period of sixty (60) days after submitting to us in order to verify settlement and credit or to balance periodic statements. After the sixty (60) days, destroy the check unless we notify you that the deposit could not be processed.
Mobile Deposit in Online Banking
How can I submit a check deposit through Online Banking if I do not have a scanner?
Capture the front and back check images (JPG, GIF, or PNG) and save to your computer or device. On the New Deposit screen, click on the “Load” button. The load feature will allow you to upload check images from your computer file or capture the image using your mobile device with front viewing camera.
How can I find out if my scanner is TWAIN compatible?
Please refer to the scanner specification provided by the scanner manufacturer. You may also go to the Help menu in the Mobile Deposit screen for more information.
What are the scanner settings?
- Dots per inch: 200 dpi
- Mode: Color
- Page Size: Auto-detect
Why can’t Mobile Deposit detect my scanner?
The Scan feature is not compatible with Safari browser; you can upload images using the “Zero-Client Version.” To use the desktop scanning feature, use either Internet Explorer, Firefox, or Chrome browser.
What can I do if I receive an “Image Quality”, “Image Too Light”, or “Image Too Dark” error message?
Ensure that each check is properly endorsed on the back with “For HawaiiUSA Mobile Deposit Only” and your signature. If you still receive an error message, adjust the brightness and/or contrast feature on your scanner’s image settings. It is recommended to setup your scanner setting to 200 dpi.
What do I do if I have difficulties using the Scan feature?
Try using the “Java Version.” Java plug-in must be current. It is required to run the rdcjava applet.
1Mobile Deposit is available to accounts that meet eligibility criteria.
2Mobile banking is free to all HawaiiUSA Online Banking members. An internet-enabled device is required to access the HawaiiUSA Mobile Banking App and Website. You must be enrolled in HawaiiUSA Online Banking to access Mobile Banking. Enrollment in HawaiiUSA Online Banking Bill Pay is required to access any bill payment services on Mobile Banking. Standard messaging and data usage fees apply. Please contact your carrier for details. Your mobile device must be registered through the Mobile Banking Service enrollment process.
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