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Mobile Deposit FAQs

Who is eligible for Mobile Deposit?
Customers who have a Personal/Interest Checking, Savings, or Money Market account are eligible for the service if they qualify.

What qualifies my account for Mobile Deposit?
An account in good standing, opened for 30 days or more qualifies for Mobile Deposit. Please refer to the Terms and Conditions for additional details.

What types of checks can I deposit with Mobile Deposit?
Most domestic checks may be processed through Mobile Deposit. We are unable to accept Money Orders, Foreign Items, Savings Bonds, or Third Party Checks through Mobile Deposit.

Are there any limits on the dollar ($) amount of deposits I can submit and/or limit count?
Yes. A daily limit of $5,000.00 and/or item count of 5 will apply. Please refer to the Terms and Conditions for further information.

Are there fees associated with Mobile Deposit?

What type of camera is needed to utilize Mobile Deposit?
A mobile device must be equipped with a rear facing camera that is at least 3 megapixels in order for Mobile Deposit to be available.

Do I photograph both the front and back of my check? Yes. During the deposit process, you will be required to photograph the front and back of your check.

How do I endorse my check for Mobile Deposit?
You will sign your check with the following endorsement:

  • For Mobile Deposit
  • Berkshire Bank Only
  • Account Number
  • Signature(s)

How will I know if my bank has received my deposit?
You will receive a notification by email when your deposit has been received.

How will I know if my bank processed my deposit?

When your deposit is processed, you will receive a second email notification on the status of your deposit. This email will indicate if the deposit was approved or declined for processing. If declined, a reason will be provided.

When will my deposit post to my account?
Deposits may be made with Mobile Deposit at any time. If your deposit is made before our daily cutoff time of 3:00 PM EST, your deposit will post to your account on the next business day. Please refer to the Terms and Conditions for more information.

Can I deposit more than one check at a time?
Only one item/check is allowed per deposit. You may make multiple deposits per day. Keep in mind there is a daily limit of $5,000.00 and/or item count of 5.

What if the check image I photographed is bad?
You have the option to retake photographs of the check before submitting or you may cancel the deposit. Also, the system will notify you if the image is unclear for processing. If you are unable to photograph a clear image, please take or mail your deposit to your bank for processing.

Do I destroy my check after I make the deposit?
Yes, but not immediately. Please refer to the Terms and Conditions on retaining checks.

Can I make my opening account deposit through Mobile Deposit?

No. Your account has to be open for 30 days.

What if I submit a deposit for the wrong amount? Do I need to resubmit the deposit?
No. You do not need to resubmit your deposit. In most cases our operations area will correct the deposit amount.

What if I submit the same deposit twice in error?

If the same deposit is submitted twice, it will be identified and stopped by our process. Should this occur, you will receive a declined deposit notification for the second deposit received through the Mobile Deposit service.

If a check I submit is returned, can I resubmit it?
No. Returned checks are not permitted. Please stop by your local branch for processing or further information.

Is Mobile Deposit secure?
Yes. The mobile banking service utilizes best practices from online banking. Only the mobile devices that you personally enroll in the service can access your accounts. In addition, no account data is ever stored on your mobile device. In the event your mobile device is lost or stolen, the service can be immediately disabled by either going online to the Mobile Banking enrollment website or calling us.

If I need additional information on Mobile Deposit, who may I call?

For additional assistance, please call 1-800-773-5601.

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