Mobile Deposits

At ESL, it’s easy to make mobile deposits. Just follow these simple steps:

• Endorse the back of the check like you normally would.
• Sign in to ESL mobile banking.
• Tap Mobile Deposit.
• Accept the ESL Mobile Deposit Service Agreement—please remember this applies only to first-time users.
• Follow the on-screen instructions to photograph your check and complete your deposit.
• Look for the Success screen—once it appears, you’ll know that we’ve received your deposit.
• You may view up to 180 days of mobile deposit history, including images and status.

Quick Tip

You should keep your original check for 30 days as a reference. Once the funds have been deposited in your account, you can mark the check “void.” You won’t need it after that.

Additional Information

If it’s difficult to recognize your account number, routing number, or other important features of your check, you may not see your deposit posted immediately to your account.

In that case, an ESL representative will personally review the deposit by the next business day to resolve the situation. 

Here are some quick tips on how to take a good, clear photograph of your check. It will definitely facilitate the mobile deposit process.

• Take your photo in a well-lit area
• Place your check on a contrasting surface. In other words, if your check is light-colored, place it on a dark background.
• Only include your check in the photo. Keep your fingers and any objects out of view.
• Make sure that the entire check shows within the Mobile Deposit guidelines on your smartphone screen
• Leave a small amount of space between the guidelines and the four edges of your check
• Allow enough time for your smartphone camera to focus on your check before you take the photo. And remember: You can always tap the center of your screen to sharpen the focus.

If you follow these simple steps, you’ll get a good, clear photo that will help us deposit your check quickly. So you’ll have access to your money right away.

With mobile deposit, you may deposit up to $10,000 per day.

Additional Information on Funds Availability with Mobile Deposit

Your mobile deposits will follow the ESL Funds Availability Policy.

• In most cases, the first $225 will be available on the business day we receive your deposit.
• In some cases, depending on your relationship with ESL, the first $1,000 of your deposit … or even the entire amount … may be available on the business day we receive your deposit.
• A “HOLD” may apply to all check types, even payroll checks, government checks, and other checks that we do not typically hold with other deposit options.
• There are some specific types of checks that mobile deposit cannot recognize.