Reference coverage of the Exchange Bank mobile check deposit flow: how to endorse, how to photograph, how the hold schedule works, which checks qualify, and the small habits that make the feature reliable in real use.
A mobile check deposit at Exchange Bank is a four-step sequence a customer learns once and repeats many times. First, endorse the back of the check. The endorsement carries the depositor's signature and a short phrase indicating the deposit is for mobile submission at Exchange Bank. Second, open the mobile banking app, tap the mobile deposit button, and pick the destination account. Third, photograph the front and back of the check with the in-app camera, which guides the framing and automatically captures when the image is sharp enough. Fourth, enter the amount and submit.
The app reviews the image for legibility, endorsement presence, and routing-line integrity before accepting the deposit. If one of those checks fails, the app explains the reason on the same screen rather than kicking the deposit back hours later. That up-front feedback is a small thing that matters — the customer fixes a glare problem in the kitchen rather than finding out on a conference call the next day.
Federal rules on check holds set the framework Exchange Bank follows. A small portion of the deposit is typically available the next business day and the rest posts after a short hold window. Larger deposits, newer accounts, and items that have been returned in the past can carry an extended hold. The confirmation screen in the app states the expected release date for each portion so the customer plans around it.
The single most common reason a mobile deposit needs to be retaken is glare. A check photographed on a kitchen counter under a bright overhead light bounces light into the camera and washes out the routing line. Shifting the phone by a few inches, or moving the check to a darker surface, fixes the problem in four seconds and avoids a rework the next day.
Most checks drawn on U.S. banks are eligible — payroll checks, personal checks, rebate and refund checks, and business checks. Ineligible items include foreign checks, money orders issued outside the U.S., travelers' checks, post-dated checks, stale-dated checks, third-party checks where the payee is someone other than the account holder, and checks that have been altered in any visible way. When a check is ineligible, the customer visits a branch or an ATM that accepts check deposit.
| Step | What to do | Watch for | Typical time |
|---|---|---|---|
| 1. Endorse | Sign the back with mobile deposit note | Readable ink; correct wording | 10 seconds |
| 2. Open mobile deposit | Launch app and pick deposit | App is on the correct account | 5 seconds |
| 3. Photograph front | Align and hold still | Flat surface; no glare | 4 seconds |
| 4. Photograph back | Capture the endorsement | Signature in frame | 4 seconds |
| 5. Enter amount | Type the check amount | Match the written amount | 5 seconds |
| 6. Submit | Tap submit and note receipt | Confirmation number | 2 seconds |
| 7. Wait for clearance | Watch the hold schedule | Release date on receipt | 1-5 days |
| 8. Destroy the paper | Shred after funds post | Date-marked original | Anytime after |
The federal funds-availability framework that governs check holds is summarized in the Federal Reserve Regulation CC overview. For fraud-avoidance guidance specific to check scams, the FTC consumer advice on avoiding scams is a useful companion read.
Sign-in entry points sit at the exchange bank login page, the login help-guide, and the security center. Digital siblings include online banking, mobile banking, bill pay, wire transfers, and account alerts. Account pages include personal checking, personal savings, money market accounts, personal credit cards, home mortgages, and auto loans. Business readers move to business checking, business savings, merchant services, treasury management, SBA loans, and commercial real estate. Overview anchors live at about Exchange Bank, leadership, help resources, and contact us.
"Our customers pay by check for most equipment orders. Mobile deposit keeps those off the drive-time list. Four seconds per image and a clear hold schedule."
Nathaniel Pemberton Welder · Pemberton Metal Works, Graton, CA
"The in-app camera auto-captures when the frame is right. I have yet to need a retake on a check photographed in daylight on the office desk."
Celeste Macaulay Attorney · Macaulay Law, Kenwood, CA
Endorse the back of the check with the customer's signature and the phrase For mobile deposit only at Exchange Bank, open mobile deposit in the app, pick the deposit account, photograph the front and back with the in-app camera, enter the amount, and submit.
Standard holds apply. A small portion of the deposit is typically available the next business day, and the balance posts after a multi-day hold window. Larger deposits and new accounts can see an extended hold. The confirmation screen shows the expected release schedule.
Personal checks, payroll checks, and checks issued by U.S. banks qualify. Foreign checks, money orders from outside the U.S., travelers' checks, third-party checks where the payee is someone other than the depositor, and altered checks do not qualify.
Yes. Mobile deposit limits vary by account tenure and account type. A newer personal account typically sees a lower cap than a long-tenured one. Business accounts can request custom limits through the treasury team, which reviews the request by use case.
Write the deposit date on the check, keep it in a secure place until the funds post fully, and then shred it after the hold period ends. Destroying the paper after clearance prevents accidental redeposit or misuse.