How do I deposit a check using my Golden 1 Business Mobile App?

Follow these steps to complete a mobile check deposit using the Golden 1 Business Mobile app: 

1. Download the Golden 1 Business Mobile app: Download the “Golden 1 Business Mobile” app from the Apple App Store or Google Play Store. 
   
2. Endorse the check: Sign the back of the check as you would for an in-person deposit.  
3. Open the app and select "Deposit Check": Log in to the app and find the "Deposit Check" option in the app menu. 
4. Enter the check amount and select the account: Enter the check amount and choose the account where the deposit will be made. Ensure the input matches the amount on the check. 
5. Take photos of the check: The app will guide you through capturing images of the check's front and back.
   Tips for taking quality photos:
   1. Place the check on a flat, dark, and non-reflective surface with ample lighting and no shadows or glare.
   2. Hold your camera directly above the check, keep it steady, and ensure all corners are within the app's frame. 
6. Review and submit: Carefully review the deposit details and submit the deposit once verified. 
7. Retain the check: Safeguard the physical check until the deposit has been processed and the funds are available. Your bank might advise keeping it for a specific period. 
8. Destroy the check: After the deposit is confirmed and funds are accessible, shred or otherwise securely destroy the check to avoid fraud. 

 

Additional information you should be aware of: 

• Mobile deposit limits: There is a daily limit of $25,000 and a monthly limit of $50,000 for checks deposited via mobile. 

• Processing timeframes: Although the app may offer immediate confirmation that your deposit is processing, funds may not be accessible immediately. Processing generally takes one to two business days.