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FlashDeposit (Mobile Deposit) FAQs

Q: Are there limits for deposits made using FlashDeposit?

Each check is considered a separate deposit. You can make multiple deposits in a single mobile session. There is no limit to the number of checks you can deposit in a day. However, we may establish limits on the dollar amounts and/or number of items or deposits that you may transmit using FlashDeposit, and we may modify those limits from time to time.

Q: What types of checks can I deposit?

You can deposit checks payable in U.S. dollars and drawn at any U.S. bank, including personal, business and government checks. They must also be payable to and endorsed by the account holder. The following check types should not be submitted using FlashDeposit:

• Traveler's checks

• Savings bonds

• Money orders

• Checks payable to any person or entity other than you

Please see the addendum to the Online Banking Agreement for the full list of checks that should not be submitted using FlashDeposit.

Q: How do I deposit a check with FlashDeposit?

Go to the FlashDeposit App and select the deposit function. Choose the “deposit to” account, enter the amount of the check, snap photos of the front and back of the endorsed check and submit the deposit. You will be asked to verify your entries before completing the deposit.

Follow these tips for photos that work best for FlashDeposit:

1. Place your check on a dark-colored, plain surface that is well lighted.

2. Position your camera directly over the check (not at an angle).

3. Fit all four corners of the check within the guides of your mobile device's camera screen.

Q:  Do I still need to endorse the deposited checks?

Yes, mobile check deposits still require proper endorsements on the back of the check.

Q: What are the cut-off times for deposits made with FlashDeposit?

Mobile check deposits received on weekends, bank holidays, and Monday through Friday after close of business are processed the following business day.

Q: After I deposit my check with FlashDeposit, when will I have access to my funds?

Deposits submitted before 6 p.m. CT on a business day will be processed that day and the funds will be available to cover debits or withdrawals, unless a hold is applied. Deposits submitted after 6 p.m. CT or on a non-business day will be processed the next business day.

Q: Will I be notified that my deposit has been made?

You will receive a deposit notification by email.

Q: Where can I view my mobile deposits after they are submitted?

After the deposit has been posted to your account, the transaction will display in your account transaction history.

Q: What should I do with my paper check?

After depositing your check using FlashDeposit, please follow these best practice guidelines:

1. Write "Mobile deposit on [Month/Day/Year/Time]" on the front of your check.

2. Securely store your check for 30 days after your deposit, and then destroy it after you have confirmed the deposited funds have been applied to your account correctly.

Q: The check I deposited was returned. Can I redeposit the check through FlashDeposit?

No, you cannot redeposit the returned check through FlashDeposit. If you think the check is valid, then take it to a Cadence Bank for deposit.

Q: What does available balance mean?

Your available balance is the amount of money in your account that is currently available for you. It includes all cleared and processing transactions. Keep in mind that any transactions you have made, but Cadence Bank has not yet received, need to be subtracted from your available balance for you to know the exact amount of money you have to spend or withdraw.

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