Snapshot Deposit allows you to take snapshots of your checks and deposit them directly to your account! With just a few simple steps, you can start depositing your checks safely and securely through Snapshot Deposit using the CFBMobile App on your iPhone or Android device.
A FREE service within the CFB Mobile Banking App on your iPhone or Android deviceDeposit checks anytime, anywhereEliminates trips to the bankDaily limit of $1,000 and monthly limit of $5,0005:00pm CST deposit cut-off time
Sign-up today by logging-in to Online Banking on your PC and submitting a secure email message with your request using the Contact Us feature.
Frequently Asked Questions regarding Snapshot Deposit:
Who qualifies for Snapshot Deposit?
Customers successfully enrolled in Mobile Banking and have checking, savings, or money market accounts in good standing for the last 90 days.
Upon enrolling for Snapshot Deposit, you will receive the Snapshot Deposit Agreement by email from Community First Bank.
What types of accounts are eligible for Snapshot Deposit?
All consumer checking, savings, and money market accounts with the exception of Second Chance Checking accounts.
What types of checks can I deposit with Snapshot Deposit?
Checks drawn on financial institutions inside the United States in U.S. currency with a MICR line.
Check items that are not eligible for Snapshot Deposit include:
• Checks made payable to any person other than you
• Checks written on any account that you own or you are a signor on
• Checks containing any alteration which you know or believe to be fraudulent
• Checks not in original form with a signature such as a substitute check
• Checks written on an account at a financial institution outside of the U.S.
• Checks not payable in U.S. currency
• Bank Cashier’s Checks
• Payable Through Checks or Drafts
• Credit Card Checks
• Government Checks
• Savings Bonds
• Money Orders
• Travelers’ Checks
• Stale or Future Dated Checks
• Counter Checks
• Checks over $1,000
Is there a limit to the number of deposits I can deposit or the amount I can deposit?
There is no limit to the number of deposits that can be made with Snapshot Deposit. However, there is a daily maximum deposit limit of $1,000 per business day and a maximum deposit limit of $5,000 per month will apply.
Is there a fee for using Snapshot Deposit?
There is no charge for Snapshot Deposit.
How do I make a deposit using Snapshot Deposit?
First, you must log-in to Online Banking on a PC and enroll in Snapshot Deposit by contacting the bank through our secure email message system. To contact the Bank through our secure email message system, click on Contact Us in the upper right corner and choose the New option for New Message. Simply type a message stating you would like to enroll in Snapshot Deposit and click Submit.
Once we have replied back to your email with a message stating that you have successfully enrolled, you can access Snapshot Deposit within the CFB Mobile Banking App on an iPhone or Android device.
For iPhones: Log-in to Mobile Banking thru the CFB Mobile Banking App, select the More option in the lower right corner, and select the icon in the shape of a check with the dollar sign.
For Androids: Log-in to Mobile Banking thru the CFB Mobile Banking App, and at the bottom of the screen select the icon in the shape of a check with the dollar sign. If the Snapshot Deposit icon does not appear at the bottom after you have enrolled, visit the Play Store and update your CFB Mobile Banking App.
To deposit a check using Snapshot Deposit, take photos of the front and back of the check. Make sure your camera is in focus and all 4 corners of the check are in the image.
Enter the amount of the check.
Choose the account in which you would like the funds to be deposited.
To complete the deposit, select Deposit Check.
How should I endorse the back of my check for Snapshot Deposit?
Endorse the check with your signature and below your signature write out the words, “For Snapshot Deposit Only. This endorsement for Snapshot Deposit will be strictly enforced.
How will I know that Community First Bank received my deposit?
You will receive a confirmation email message stating that your deposit was received. The Bank will then review your deposit to determine if the deposit will be accepted through Snapshot Deposit. If the Bank receives a check that is not eligible through Snapshot Deposit, you will be notified by the Bank through an email message.
When will my deposit post to my account?
Deposits made through Snapshot Deposit will be posted to your account the next business day.
Is there a cut-off time to make my deposit?
Deposits made prior to 5:00 p.m. (CST) will be considered to be made the day of your deposit. Deposits made after 5:00 p.m. (CST), on a weekend, or on a federally observed holiday will be considered to be made on the next business day.
What if the check image is not clear?
If the check image is not clear you will receive an error message. Upon receiving the error message you will be prompted to recapture an image of the check.
What do I do with the check after using Snapshot Deposit?
Once you receive confirmation from the Bank that the check image has been received, you will need to promptly write “For Snapshot Deposit” on the face of the original check. You are responsible for providing to the Bank any original check that is still in your possession at the bank’s request in order to resolve claims or to aid in the clearing and collection process. We ask that you safely and securely retain the check for 45 days after the check has been received for deposit. After 45 days, you may shred or safely destroy the check.
What if I submitted a deposit for the wrong amount?
If the amount you submitted through Snapshot Deposit doesn’t match the amount of the check, you will receive an email from the Bank with notification that the amount of your deposit was adjusted.
What if I deposit the same check twice?
When you attempt to submit the same deposit a second time, you will receive an error message informing you that the check has already been deposited.
A check I submitted was returned, can I resubmit it through Snapshot Deposit?
No. You will need to bring the check into the bank for redeposit.
Is Snapshot Deposit secure?
Snap Shot Deposit requires a unique username and password within Mobile Banking to access this service. No one can access Mobile Banking and Snapshot Deposit without knowing your username and password. CFB also uses access, authentication and other security controls to create a secure and confidential Mobile Banking environment. Encryption is used when transmitting all sensitive or critical data. Mobile Banking never transmits or stores critical information on your mobile device.
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