The Fidelity Banks - Fidellity State Bank & Trust Co.
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Special Services

Mobile Banking

Frequently Asked Questions

Questions:

General

Mobile Banking

Mobile Check Deposit

Troubleshooting


Answers:

General

How much does the Mobile Banking service cost? There is no charge associated with using Mobile Banking to view your accounts or transfer funds between accounts. However, there may be charges associated with data usage on your phone. Check with your wireless phone carrier for more information. Additional fees may apply for use of the Mobile Check Deposit service, if applicable.

Is Mobile Banking secure? Yes. The mobile banking service utilized best practices from online banking, such as https, 128-bit encryption, or password access and application time-out when your phone is not in use. In addition, no account data is ever stored on your phone.

Do I need a text message or data plan? Yes. A text message and/or data plan is typically needed, as data usage can become expensive without them. Please check with your wireless carrier for more information.

I am not enrolled for online banking. Can I still use Mobile Banking? You must first enable your bank account(s) for online banking before using mobile.

What is activation? Activation is a one-time process that helps ensure your security. An access code will be sent to the email address listed in the internet banking site. You will need to enter this code on your device to begin mobile banking. Activation codes expire after a specific period of time (usually 24 hours). If you need a new one, return to the Mobile Banking enrollment site and request a new activation code.

Mobile Banking

How do I access Mobile Banking on my phone's browser? You can visit the site any time at https://www.fidelitytopeka.com.

How do I sign up for Mobile Banking? You can enroll for mobile banking directly from your mobile phone by visiting https://www.fidelitytopeka.com.

I activated Mobile Banking on my phone's web browser. Why am I being asked to activate again? At the time of activation, a "cookie" is stored on your phone's browser which allows the mobile banking system to remember that you activated. The cookie is only visible by the mobile banking system and does not contain personal information. Some phones may require you to enable cookies or periodically erase them, requiring reactivation. If you are experiencing this issue, check your phone settings to ensure that cookies are enabled. If cookies are enabled and the issue persists, please contact your mobile carrier for cookie support information on your mobile phone.

Is Mobile Banking supported on my phone? Mobile banking is supported on most phones with a mobile web browser that supports cookies. In addition, the mobile application is available on many smartphones including: iPhone and Android.

Mobile Check Deposit

Who is eligible for Mobile Check Deposit? Mobile Banking users who have a qualified personal checking, savings, or money market account are eligible for the Mobile Check Deposit Service. Accounts that have been open for at least 12 months, and maintain a $500 average collected balance based on a rolling 12-month period may be eligible. Qualified accounts are determined at Fidelity Bank's discretion.

What if an eligible account is not listed in Mobile Check Deposit? Eligible accounts will automatically be enrolled in Mobile Check Deposit upon registration approval. If you believe you have an eligible account that has not been enabled, please call the Mobile Banking Administrator at 785-295-2100.

What types of checks can I deposit with Mobile Check Deposit? Only checks drawn on institutions located in the United States can be processed through Mobile Check Deposit. We are unable to accept checks made payable to any person or entity other than you, Money Orders, or Travelers Checks through Mobile Check Deposit. For a complete list of ineligible items, see the Mobile Banking User Agreement.

Are there any limits on the dollar amount and the number of deposits I can submit? Yes. There is a per item limit of $2,000. Additionally, you may not use the service to deposit more than $5,000 in any one day, or more than $10,000 in a rolling 30-day period. Any items presented in excess of the limits will be returned at our discretion.

Are there fees associated with using Mobile Check Deposit? The first 5 deposits per monthly statement cycle are free. Additional deposits in excess of the first 5 will incur a fee of $1.00 per deposit.

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 Check Deposit? You should sign you check with your name as it is written on the front of the check and include the words "For Mobile Deposit" below your signature.

How will I know if Fidelity Bank received my deposit? You will receive a notification by email when your deposit has been received. Please note, this does not mean the deposit has been approved.

How will I know when Fidelity Bank processes my deposit? When your deposit is processed, you will receive a second email notification (at the email address you provided when you enrolled in Online Banking) regarding 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. You may also view the status of your deposit in Mobile Banking on the History tab of the Check Deposit section. Please note, this does not mean the funds are available.

Is there a cut-off time to make my deposit? If you make a deposit through Mobile Check Deposit before 3:00 pm (CST) on a business day, we will consider that day to be the day of your deposit. However, if you make a deposit through Mobile Check Deposit after 3:00 pm (CST), on a weekend, or a federally observed holiday, we will consider that the deposit was made on the next business day.

When will my deposit post to my account? If you receive the Deposit Approved Notification email by 3:00 pm (CST) on a business day, your deposit will post to your account on the next business day. (Subject to Fidelity State Bank & Trust's standard hold policies.)

When will a deposit made through Mobile Check Deposit show in my balance? On the next business day after the deposit is approved.

Can I photograph more than one check at a time? You may photograph multiple checks in the same Mobile Banking session; however, you may only photograph one check per deposit.

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. If you are unable to photograph a clear image, please deposit your check at one of our branch locations, ATMs, or mail your deposit to Fidelity Bank for processing.

Do I destroy my check after I photograph the deposit? No. Once the deposit has been approved by Fidelity Bank, you must keep the check for 60 calendar days in a secure location. After 60 calendar days, securely destroy the check. Do not VOID the check after submittal in the event the deposit is not approved and needs to be resubmitted.

Can I make my opening account deposit through Mobile Check Deposit? No, Mobile Check Deposit cannot be used to initially fund a new account. See eligibility requirements for more information.

What if I submitted a deposit for the wrong amount? Do I need to resubmit the deposit? No, you do not need to resubmit your deposit. If you entered the wrong amount for the deposit, Fidelity Bank 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 Fidelity Bank.

A check I submitted was returned. Can I resubmit it? No. If a check is returned, you may not re-deposit the check through Mobile Check Deposit.

If I need additional information on Mobile Check Deposit, who can I call? For additional assistance, please call the Mobile Banking Administrator at 785-295-2100.

Troubleshooting

Do I need a certain type of mobile phone to use Mobile Check Deposit? Current supported mobile phones: Apple iPhone (iOS 5 or higher) & Android-powdered devices (Android 2.1 or higher with cameras that support autofocus).

What type of internet connectivity do I need? Mobile devices must have an appropriate data plan that allows the transmission of data over the internet.

What steps have been taken for security? In addition to login ID and password, we use multiple security layers, including advanced encryption. For added security, passwords and actual check deposit records or images are not stored on the 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
  • Notify us if password security has been breached

What should I do if I am not receiving any email notifications? Verify that you have entered a valid email address through your Online Banking login. If you have entered a valid email, check your SPAM folder for the email notification and add fidelity@fidelitytopeka.com to your Safe Senders list. If after completing these steps you are still not receiving email notifications, please contact the us at 785-295-2100.

The processing time to upload a check is very slow. What may cause this? The processing from your device to Fidelity bank and back is not controlled by Fidelity Bank. This is dependent upon your device, carrier, memory on the device, and current connection that you have. Please try to improve one or more of these elements before uploading another deposit.

I keep receiving a blurry image error message when attempting to submit the deposit. What might the issue be? Taking high-quality photos of the check is the best way to make Mobile Check Deposit quick and easy. Here are some hints to keep in mind:

  • Good lighting
  • Dark background
  • Only check visible, no other objects or edges
  • Check needs to be entirely in the frame
  • Focus is important. Being too close can make the image blurry 

What if my device is lost or stolen? If you are concerned about misuse of your phone, contact your mobile carrier immediately to stop all wireless service. Additionally, if you have enabled TouchID on your device, contact Fidelity Bank immediately to deactivate this feature.

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