What banking services does focus bank Mobile Banking include?

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to debit for the

transfer.

Transfer To

Select the account

to credit for the

transfer.

Amount

Enter the amount

of the transfer.

Select "Next".

4. The Transfer Amount page is displayed.

Enter the transfer amount and select "Next".

5. The Confirm Transfer page is displayed.

Select "Yes".

6. The Transfer Confirmation page is displayed.

7. Select "Menu" to return to the Main Menu.

Select "Log Out" to close Mobile Banking.

How To Locate ATM or Branch Locations

Complete the following to locate ATM or branch locations:

7. Log in to Mobile Banking using your current Internet banking login.

8. The Main Menu page is displayed.

Select "Find ATM/Branch".

9. The ATM & Branch Search page is displayed.

Select "Search by Address".

10. The Search by Address page is displayed.

Enter the appropriate search criteria and select "Search".

11. The Search Results page is displayed.

Select the appropriate ATM or branch.

12. Details for the ATM or branch are displayed.

Select "Map It" for directions to the ATM or branch.

13. A map displaying the location of the ATM or branch is displayed.

Select "Menu" to return to the Main Menu page.

Select "Log Out" to close Mobile Banking.

Mobile Deposit

What is Mobile Deposit?

Mobile Deposit is a convenient, easy way to deposit checks from your mobile phone into one of your

accounts. With the FOCUS Bank Mobile Banking app on your iPhone® or Android™, you can take a

photo of your check, enter the check information and securely submit your deposit for processing.

Is there a bank fee to deposit my check with my mobile phone?

Mobile Deposit is FREE to eligible customers. There may be charges associated with text messaging

and data usage on your phone. Check with your wireless phone carrier for more information.

How do I know if I'm eligible to use Mobile Deposit?

You must have a deposit eligible account, such as a personal checking account, to use this feature.

Fresh Start Checking accounts are not eligible for Mobile Deposit. In general customers must have an

Average Monthly Balance of $500, account must be open for 30 days, and have no more than 3

chargebacks in a 3 month period. Other checking customers are subject to approval. If you are not

eligible, you can contact the Customer Service Center at 800-‐464-‐3150 to find out how to become

eligible to use this feature. If customer has more than 3 chargebacks in a 3 month period, FOCUS

Bank reserves the right to cancel the mobile deposit service.

What checking accounts are required to be eligible for use with Mobile

Deposit?

Most Personal checking accounts, excluding Fresh Start Checking accounts, are eligible for Mobile

Deposit. Other checking customers are subject to approval.

Where can I find the Deposit tab within my downloaded app?

All users should first download the latest version of the app from Google Play or iTunes Store. Android

users: When you first open the app, you will see the main menu screen. You should select the Deposit

Check option to begin your Mobile Deposit. Only those that are eligible for Mobile Deposit will be able

to continue the deposit process after login. iPhone users: Open the app and complete the login

process. Only those that are eligible to use Mobile Deposit will see the Deposit tab at the bottom of

the home screen. Select the Deposit icon to begin your Mobile Deposit.

Can I use Mobile Deposit with any mobile device?

Eligible phones include:

§

iPhone (3G or higher) with iOS 4.0 or higher. Older iPhones and devices without a camera, such as

the first version of iPad are not supported. The iPod touch® is not supported at this time.

§

Android (2.1 or higher) with a camera that supports auto focus.

You must also download and install the latest version of the FOCUS Bank Mobile Banking app from

iTunes® or the Google Play Market™.

Are there transaction limits with Mobile Deposit?

Currently, deposits are limited to $2,500 per day and $1,000 per item.

Are my checks deposited immediately?

Successfully submitting your check image with your mobile device will begin the deposit process.

However, the processing time to complete the deposit may vary. Funds deposited before 2 p.m. CST on

a banking business day (every day except Saturdays, Sundays and federal holidays) are normally

available for withdrawal on the first business day after the day of the deposit. If you transmit an item

after 2 p.m. CST, or on a day we are not open, we may consider that the deposit was made on the next

business day we are open. Check your "Deposit History" to see your deposit status.

How do I view my deposit history?

1. Sign in to FOCUS Bank Mobile Banking and select the "Deposit" tab.

2. Select the " Deposit History" button and navigate to your Check

3. Click on a single deposit to view the available transaction detail.

What should I do with the hard copies of my checks?

After successfully submitting a deposit with FOCUS Bank Mobile Deposit, you should retain the original

check for 60 days. Please check On-‐Line banking or your monthly statement to ensure successful

deposit. Upon successful deposit we recommend you shred your check.

What types of checks are not eligible for Mobile Deposit?

1. Checks must be made payable to only you. Joint checks or checks made payable to "Cash" are not

allowed.

2. Checks must not be drawn on a foreign bank or payable in a foreign currency.

3. Checks must not be altered on the front of the check in any way.

4. Checks must have an authorized signature. Demand drafts or remotely created checks are not

allowed.

5. Checks must not be dated more than six months prior to the date of deposit.

6. Checks must not have previously been returned stop payment or account closed.

7. Checks must not credit card checks, income tax checks, or insurance checks via mobile deposit

service. See a branch for details.

Important Tips

§

Before logging into the Mobile Deposit app, close all other apps running in the background on

your mobile phone.

§

Sign/Endorse the back of your check, and label it “For Deposit Only.”

§

When prompted for the amount, carefully enter the check amount to ensure it matches the

amount written on your check.

§

Flatten folded or crumpled checks before taking your photos.

§

Keep the check within the view finder on the camera screen when capturing your photos.

Try not to get too much of the areas surrounding the check.

§

Take the photos of your check in a well-‐lit area.

§

Place the check on solid dark background before taking the photo of it.

§

Keep your phone flat and steady above the check when taking your photos.

§

Hold the camera as square to the check as possible to reduce corner to corner skew.

§

Make sure that the entire check image is visible and in focus before submitting your deposit.

§

No shadows across the check

§

All four corners are visible

§

Check is not blurry

§

The MICR line (numbers on the bottom of your check) is readable

The user accesses mobile banking via their FOCUS Bank downloaded application using

their iPhone or Android device.

•

User logs onto Mobile

Banking with their

online banking

credentials.

o Mobile

Banking

leverages the

OLB login

authentication

rules

(password,

challenge

questions,

picture).

•

Select Deposits from

the menu

•

Select New Deposit

The Deposits menu

becomes available to the

user, based on user

eligibility.

•

Select the account to

deposit funds

•

Enter the deposit

amount of the check

•

Select Continue

•

The user is prompted

to take the front and

back of the check

After each image is taken,

user selects Use Photo to

send the image or Retake

•

The images are then

uploaded to the server

The images are validated

to ensure image quality

and to validate that the

back of the check has

been endorsed

Real time tests are

performed to:

•

Verify it has not been

deposited before via

phone

•

Read hand or machine

printed amount from

image

•

Compare amount read

from image to amount

entered

•

Verify the check

amount doesn’t

exceed defined limits

Submit a deposit

Once user sends the image, they are prompted to confirm deposit amount.

Deposit pending

If the deposit passes all the real time tests, it is passed downstream for additional

processing. Some deposits may be manually reviewed; for this reason, the deposit shows

as Pending upon submission.

View Deposit History

You will be able to view 90 days of deposit history captured from your mobile device.

Check images captured on your mobile device are available for 45 days.

Note. If users try to access check images from their deposit history after more

than 45 days, they will receive an error. Users should be instructed to view their

account history instead.

•

Click deposit to view more details

•

The user can also click View

Check to view the image

The user can:

view Details

Logout

view Front

view Back

Note. A check could be rejected by the bank after being “Accepted” by the

Mobile Deposit system. Users must check their account history to confirm the

check was posted.

Error processing

Deposits can fail real time as the deposit is submitted or they can fail during downstream

processing.

If an error is encountered that causes the item to fail during submission, the user is

notified of the error immediately and may be given the option to retake the image.

Errors

This table lists errors a user may encounter. The table lists the condition (what), the error

the users receives and the users option in the App to resolve the error.

Error Message Text

Button

Cannot read check. Please retake the photo.

Hold the camera steady and ensure all four

corners are visible.

Retake

Could not find endorsement on back of

check. Make sure check is endorsed and

retake the photo.

Retake

This check has already been submitted. We

cannot accept it again.

New Deposit

Poor lighting or contrast detected. Please

retake the photo with good lighting.

Retake

This image is an example of

a failed deposit during

submission.

Cannot read account data on bottom of

check. Please retake the photo. Ensure the

camera is in focus and all four corners are

visible.

Retake

Significant rotation or angle detected. Please

retake the photo. Hold phone flat above

check and keep all four corners visible

Retake

It appears you submitted 2 images of front of

check. Please retake both front and rear

photos.

Retake

The amount you entered did not match the

amount detected. Please re-enter amount

and retake photo.

New Deposit

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