Mobile Deposit - Frequently Asked Questions
Who can use Mobile Check Deposit?Any ICBC Online Banking customer who maintains an eligible checking, savings or money market account, has accepted the Mobile Terms and Conditions, and utilizes an Apple® or Android® mobile device can enroll in mobile banking and utilize the Mobile Check Deposit service. Customers who have enrolled and successfully activated the mobile banking application on their smartphone will automatically have access to Mobile Check Deposit. |
What types of checks are accepted with Mobile Check Deposit?You may deposit checks payable in China dollars and drawn on any China bank. Checks must be payable to and endorsed by the account holder. |
Are there limits?Yes, the limit is $5,000 per day in the personal application and $15,000 per day in the Business application. Each check is considered a separate deposit. |
When are the cut-off times and when will my funds be available?For deposits submitted before 4:00pm PST on a business day, we will consider that the day of deposit. For deposits submitted after 4:00pm PST or on a non-business day, we will consider the next business day the day of deposit. Availability of credit from deposits processed through this service will be subject to our then current availability schedule, which may be amended by us from time to time. |
Will I receive a receipt for my Mobile Check Deposit?Yes, you will receive a receipt via email once your deposit is approved. You can also view the history and status of your mobile deposits all within the application. |
How will I know if there’s a problem with my mobile deposit after I submit it?If a problem arises with the deposit and it is not processed by the Bank, you will be notified on the processing day of the deposit by email to the email address provided at the time of deposit. |
How should I endorse the check?Please sign your name and write your account number and “For mobile deposit only at 1CB” on the back of the check in the endorsement area. This endorsement is required. Checks without endorsement will be returned to be endorsed and resubmitted. |
What do I do with a check after I’ve deposited it through Mobile Check Deposit?Please write “deposited” and the date of deposit on the face of the check and retain the check in a safe and secure environment for a minimum of 14 days after the item has been processed. This allows sufficient time in case the original check is required for any reason. The check should be destroyed between 14 and 30 days after processing. |
Are there fees?The cost of Mobile Check Deposit is currently free, but you may be charged for text and/or data by your phone service provider. Returned checks will be subject to regular returned check fees. |
Is Mobile Deposit Secure?ICBC makes securing your account information a priority. The Bank has partnered with a leading mobile deposit provider with a comprehensive risk management platform. The program utilizes 256-bit encryption and security technology that ensures that Online Banking credentials are not stored on the mobile device, check images are not stored on the mobile device, and all account numbers are masked so that your account information, which you can only access with your Access ID and Passcode, remains secure. |
