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Frequently Asked Questions

Peoples Bank of Alabama Photo Deposit

FAQs Topics

About the service

What is the Peoples Bank of Alabama Photo Deposit service?

Peoples Bank of Alabama Photo Deposit allows you to deposit a check directly into your eligible Peoples Bank of Alabama account by taking a picture of the check using your mobile device.

Is the service available with any device?

Currently the service is available for the following devices:

  • iPhone iOS 4.3+
  • Android OS 2.1+

Is the service available 24/7?

The Photo Deposit service is available 24 hours a day, seven days a week, except when our system might be down for service.

What steps have been taken for security?

In addition to User ID and password, we use multiple security layers, including advanced encryption. For your added security, passwords and actual check deposit records or images are not stored on your mobile device.

Additional ways to ensure security:

Protect your password

  • Don't keep your password in a location accessible to others.
  • Don't allow others to perform transactions for you.
  • Periodically change your password by logging in to Online Banking and selecting "Security".
  • Notify us if password security has been breached

Review your statements promptly and report any problems

Store your original checks in a safe place after depositing

  • Mark each check "Mobile deposit on DATE"
  • Securely destroy each original check 14 days after it posts to your account.

Applying for service

Who is eligible for the service?

The Photo Deposit service is offered to our consumer clients only and is subject to certain eligibility requirements, and enrollment is not guaranteed.

  • Once you are approved for enrollment in the service, you may still be restricted to certain deposit limits.

Do I need to be a Peoples Bank of Alabama Mobile Banking customer to use Photo Deposit?

Yes, and downloading the app is convenient and simple. Simply visit the app store for your mobile device and search for Peoples Bank of Alabama. If you already have our app, update it with the most recent version.

Do I need to apply for the Peoples Bank of Alabama Photo Deposit service?

Yes. You must apply and be approved for enrollment prior to using the Photo Deposit service. See How to Apply.

How long will it take for my application to be processed?

You will be contacted by one of our Customer Service Representatives with a notification of your status within three business days.

When can I start using the Photo Deposit service?

You will be notified by one of our Customer Service Representatives that your application has been approved. Once you receive this notification you may log in to Mobile Banking and start using the service.

Depositing checks

Are all types of checks eligible for this service?

Checks must be issued by a U.S. bank in U.S. dollars. You may use the Photo Deposit service to deposit original paper checks that are made payable to the name of the account holder.

How long does it take to submit a check deposit?

The transmission time required to upload check images will vary depending on what the signal strength of your cellular network is, whether you are using Wi-Fi, and other factors.

Is there a limit to the amount of money I may deposit using this service?

Yes. There is a limit on the amount you may deposit each day and a limit on the total deposit for each month. If you would like to discuss these limits, you may contact one of our Customer Service Representatives at 1-877-788-0288.

How will I know if my check has been received and posted?

You will receive a confirmation number at the end of each check deposit that confirms receipt of your check images and deposit information. You will also receive a confirmation email from Peoples Bank of Alabama once your deposit has been accepted. You may review your deposit history on the Photo Deposit section.

What do I do with my check after it has been posted to my account?

On the top half of the face of the check, conspicuously mark in ink "Mobile deposit on DATE" immediately after you receive confirmation that the check has posted to your account.

  • If your deposit cannot be posted for some reason, we may ask you to redeposit the check. Do so only if requested.
  • Securely retain your checks for 14 calendar days after the checks are posted to your account.
  • Securely destroy your checks on the 15th day after the checks are posted to your account.

When will my funds be posted to my account?

Deposits submitted on normal business days before 7:00 p.m. CST will be posted to your account the same day. Deposits made after 7:00 p.m. CST or on weekends or holidays will be posted the next business days.

Please note that our standard hold policies apply.

Have questions or need assistance? Call us at 1-877-788-0288

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The web site you have selected is an external site located on another server. We are offering the link for your convenience.

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Thank you for visiting our web site.

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