FSB Blog

Deposit Checks With Your Phone
March 23, 2023

Even in our very electronic, paperless world, sometimes you still receive a check as payment. Fortunately, it is easy to get those funds into your FSB account immediately, without driving to the bank or nearest ATM. Simply use the FSB App on any mobile device with a camera to snap a photo of the check and make a deposit.

Installing the mobile app is easy:

  • On an iOS device (iPhone, iPad), open the Apple App Store.
  • On an Android device, open the Google Play store.
  • Search for Farmers State Bank of Waterloo and install the app.

How to deposit your check:

  1. Open the FSB Mobile app: In the left menu, select Mobile Deposit
  2. Enter details: select which account you would like to deposit funds and enter the amount of the check.
  3. Endorse the check: a signature is fine, although you can use more restrictive endorsements if you prefer
  4. Take photos: The app will guide you through the process – taking separate photos of the front and back of the check. Be sure to get a clear, well-lit photo.
  5. Close the mobile deposit screen: The check appears in the Submitted tab in the Deposit Check History list.
  6. Wait for confirmation: don’t destroy the check immediately. If it helps to prevent confusion, make a small mark on the check to remind yourself that it has been deposited. You’ll receive an email within a few minutes confirming your submission. Never re-deposit a successfully deposited check.


In order to reduce fraud, there are some limitations on deposits made with a mobile device.

  • Funds Availability: Funds will be posted at 9am, 11am, 1pm, 3pm, and close of business day. Funds deposited after closing are available the next business day.
  • Types of deposits: Only standard deposits – checks made payable to you

Is Mobile Deposit Safe?

FSB uses industry-standard encryption in the app, so your account details are safe and it can prevent other methods of fraud. For example, no one can steal checks you’re waiting to deposit or risk losing checks in the mail. That said, users should never use public Wi-Fi for any sensitive information or anything requiring a password – use your own home connection or your mobile phone data to avoid broadcasting sensitive information.

This blog is intended to be an informational resource for readers. The views expressed on this blog are those of the bloggers, and not necessarily those of FSB. This blog does not provide legal, financial, accounting or tax advice. The content on this blog is "as is" and carries no warranties. FSB does not warrant or guarantee the accuracy, reliability, and completeness of the content on this blog.