A: InFirst currently supports iPhones and iPads running iOS 7.0 or higher and Android smartphones or tablets running version 4.1 or higher.

A: InFirst does not charge a fee to use Mobile Check Deposit. Your carrier’s standard data rates may apply. Consult your wireless provider for details.

A: Most InFirst checking accounts that are enrolled for Retail Online Banking are eligible for use with InFirst Mobile Check Deposit.

A: Please refer to the InFirst Bank Personal Mobile Deposit Terms & Conditions listed below for complete detail
Please read the entire agreement carefully before enrolling in the service or initiating any transactions. This is a legal agreement between you and InFirst Bank. These terms of service affect your rights and you should read them carefully.

InFirst Bank’s (“Bank”) Personal Mobile Remote Deposit (“MRD”) allows customers to deposit checks electronically, eliminating the need to make a physical bank deposit. By initiating and using the MRD service you agree to these additional MRD Terms and Conditions. All other Terms and Conditions, Disclosures and Deposit Account Agreements previously agreed to and provided at opening with your deposit account, as amended from time to time, remain applicable and in effect on your account(s) used with MRD.

Qualification: In order to enroll in this service, customers must be designated as an authorized signer or owner (“You”) of a Bank checking or savings account (“Account”) that is eligible for this service and must be approved by Bank.

Conditions: As conditions to the Bank’s provisions of service, you must maintain the account in good standing and comply with requirements and restrictions set forth in these Terms and Conditions, as well as those of the Deposit Account Agreement.

Equipment: To use the service, you must have a supported mobile device (e.g., smartphone, iPad etc.) with a supported camera and a supported operating system. It must have a data plan for your mobile device, and you need to download the “App” to your mobile device (collectively, the “Mobile Device”). We do not guarantee that your particular mobile device, mobile device camera, mobile device operating system or mobile carrier will be compatible with the service. You are responsible for the security of your device, the costs of using your device, including the purchase of your mobile devices, internet services, and security.

Eligible Checks: MRD allows you to deposit most U.S. consumer (personal) and business checks; however certain checks are not supported through the remote deposit channel.

Unacceptable Deposits
You understand and agree you are not permitted to deposit the following items using the services:

1. 1. Any item that is stamped with a “non-negotiable” watermark
   2. Any item that contains evidence of alteration to the information on the check
   3. Any item issued by a financial institution in a foreign country
   4. Any items not payable in U.S. currency
   5. Any item that is incomplete
   6. Any item that is “stale dated” or “postdated”
   7. Any item endorsed for deposit to another account or financial institution
   8. Any item that has already been deposited or a “duplicate item”
   9. Any item payable to another person or entity other than the person or entity that owns the account that the items is being deposited into
   10. Items payable jointly unless deposited into an account in the names of all payees
   11. US Savings Bonds
   12. Traveler’s checks
   13. Money orders
   14. Substitute checks
   15.  Returned checks

Accountholder’s Warranties You make the following warranties and representations with respect to each image of an original check transmitted utilizing the service as follows:

Inspecting Physical Checks & Check Images

• • You are responsible for inspecting both the physical check and check images as they appear on the screen of your mobile device. Because some physical security features on the actual checks, such as watermarks, may not survive the imagine process, you must manually examine checks prior to transmission to the bank to verify their authenticity.
  • Additionally, when depositing a check via MRD, you are required to examine check images to ensure the payee name, amount, signature, endorsements and other important pieces of information are legible and in accordance with the physical check. If they are not, cancel the
    photograph and photograph the item again.
  • You will not deposit or otherwise endorse to a third party the original item processed by the remote deposit capture app that has already been paid.
  • Any original paper check items that remain illegible after repeated scanning/photographing attempts must be physically deposited at the branch or at Bank ATM.
  • You should regularly inspect your mobile image to ensure that it is operating optimally. Please refer to the user manual of your mobile device for instructions on equipment cleaning and care.

MICR line on the Check
The bottom of your check contains numeric information that identifies the bank the check is drawn on, the account number and the check number. This information is known as the MICR line (Magnetic Ink Character Recognition). A MICR defect, such as a tear in the MICR line, or markings
over the MICR line may inhibit the scanner or mobile phone’s ability to read this information. If you receive error messages indicating that the mobile phone is unable to read the MICR line, the check with defects in MICR line must be physically deposited at the branch or ATM.

Marking Electronically Deposited Checks
To help ensure that an electronically deposited check is not processed multiple times either as an electronic item and/or a physical check, Bank requires that you write the words, or use a rubber stamp to imprint, “For mobile deposit at InFirst Bank only” on the endorsement line (reverse side) of the check to indicate that it will only be deposited electronically. All Endorsements must be either in blue or black ink as required for processing. Bank may refuse to accept items which are not endorsed in this manner. Marking a check in this way will also allow you to identify that the item has been photographed and deposited if it becomes intermingled with other un-deposited checks.

Checks Safekeeping, Retention and Destruction

• • Check storage and the destruction of items processed through MRD is your responsibility because the paper checks are never physically deposited with the bank. Bank requires MRD customers use commercially responsible methods to securely store all source documents and all related banking information until destruction. We require that deposited check items be securely stored. To help ensure that checks are not electronically processed more than once or physically deposited to the bank after being electronically deposited, procedures should be established to ensure that only you or another account owner have access to these checks during the retention period.
  • Bank recommends retention of the checks for at least 30 (thirty) calendar days after the deposit is made in case a check is returned and you need to collect on the check by re-depositing the original item. All items must thereafter be destroyed as soon as reasonably possible. Bank
    requires destruction of all checks within 60 (sixty) days from deposit. Cross-cut shredding is strongly recommended for check destruction.
  • If you believe you may have deposited a check item more than once, please contact InFirst Bank at 800-349-2814. Do not re-scan or photograph the items. InFirst Bank will provide assistance in determining the best approach for managing the situation.

Security
You agree to:

1. 1. Exercise responsible behavior when using the service,
   2. Follow the instructions and recommendations provided by InFirst Bank with respect to the service, and
   3. Use maximum caution in protecting your hardware and security credentials from unauthorized access. Failure to protect your hardware and security credentials may allow an unauthorized party to access the service and transmit and electronic item for deposit. All uses of the service through your security credentials will be deemed to be authorized by you and be binding upon you. You assume the entire risk for the fraudulent or unauthorized use of your security credentials.
   4. You agree to notify InFirst Bank immediately if you become aware of any loss or theft or, any unauthorized use of the service or security credentials.
   5. You will use the service only for paper items that are payable to, and endorsed to you.
   6. You will properly secure all hardware you use in connection with Service (including, but not limited to the, securing hardware with security credentials to prevent unauthorized use.) You will maintain control over and be responsible for secure retention, storage, and destruction of
      original paper items for which you have created an electronic item. After transmitting the electronic item to us, you will retain the original paper items as discussed in the Check Safekeeping, Record Retention and Destruction section of this document.

Deposit Amount Limits: A blanket deposit amount limit has been set for all customers for $2,500.00 per day with a rolling 30-day limit of $10,000.00 in total. This amount may vary at the sole discretion of the Bank based on customer standing considering such factors as balances maintained, age of account, overall banking relationship and overall operation of the account by you.

Processing Your Electronic Items(s)/ Availability of Funds: The service is available 24 hours a day, 7 days a week. You understand and agree, for purposes of deposits made using the mobile deposit service. If you make the deposit before 3:00 p.m. Eastern Time on a business day that we are open, we will consider that day to be the day of your deposit. With regard to the availability of deposits made using the services, our general policy is to make funds available after we receive and accept the deposit, usually the same day (1st business day); however, in some cases, we may delay the ability to withdraw funds beyond the first (1st) business day. The funds will generally be available by the second (2nd) business day after the day of deposit. However, the first $225 of the deposit will be available on the first (1st) business day. Additional delays may occur on a case-by-case basis. For determining the availability of your deposits, every day is considered a business day except Saturdays, Sundays, and Federal Holidays. Details on status of the deposit should be viewed in the “Deposits” page of the MRD app. For further information on fund availability, please see our Funds Availability disclosure.

Exception Items: Each business day, on which we review and process your Electronic Items (items deposited using MRD), we will use commercially reasonable efforts to review each Electronic Item and to reject any Electronic Item that we in our sole discretion determine to be ineligible for the service (thus each creating an “Exception Item”). “Exception Item” includes, without limitation, an Electronic item that (a) is illegible or contains MICR data that is not machine-readable, (b) was previously processed as an Electronic Item, or (c) is drawn on banks located outside the U.S. and is not payable at or through a bank located within the United States. YOU ARE RESPONSIBLE FOR ACCESSING THE DEPOSITS SCREEN TO SEE THE STATUS OF YOUR DEPOSIT. If you wish to attempt to deposit any Exception Item to your account, you shall do so only by depositing (NOT using MRD) the original paper item on which the Exception item is based or otherwise agreed between us. Even if we do not initially identify an Electronic Item as an Exception Item when we review and process the Electronic Item to which the Exception Item relates, the Electronic Item, substitute check, or the Image Replacement Document (IRD) created by us from it may nevertheless be returned to us because, among other reasons, the paying bank determines that such item or check is illegible or missing an image. Our failure to identify an Exception Item shall not preclude or limit your obligation to Bank. Details on status of the deposit should be viewed in the deposits page of the app.

Chargebacks – Items Returned Unpaid: All checks posted to your account though MRD are posted subject to our receipt of final payment by the
paying bank. Upon receipt of final payment, the item becomes a collected item. If final payment is not received or if any item you have deposited charged back to us for any reason, you authorize us to charge any of your accounts without prior notice and at any time, for the amount of the returned item, our
return fee, any interest paid on that item, and any other fee we may incur. We reserve the right to refuse any item for deposit into your account as well as the right to withhold the availability of funds as per the Deposit Account Agreement. Details on status of the deposit should be viewed in the Deposits Page of the app.

Rejection of Deposit: InFirst Bank is not liable for any service or late charges levied against us due to the rejection of an item. In all cases, you are responsible for any loss or overdraft, plus any applicable fees to your account due to an item being returned.

Deposits to the Account: Subject to our right to identify and reject Exception Items, we shall be deemed to have accepted each Electronic Item that is not an Exception item for deposit to the account on the business day (Monday-Friday, excluding Holidays) that we process the Electronic Items, provided its transmission to us is completed prior to the cut-off time 3:00PM Eastern Time.

Customer Deposit Item Review: You are responsible for accessing the deposits screen, to ensure your check has processed completely. You will not receive any other type of notification regarding this status of your deposit outside of the deposits screen within the bank’s mobile application. On the deposits item review screen you will view processed electronic item as well as exception items.

In Case of Errors: In the event you believe there has been an error with respect to any original check or image transmitted to us for deposit or a breach of this agreement, you must immediately contact InFirst Bank regarding such errors or breach by telephone 1-800-349-2814 or via email to: CallCenter@infirstbank.bank

Email Address: You agree to notify us immediately if you change your email address or mobile phone number, as this is the email address and phone number where we will send you notification of modification or rejection of mobile deposit items.

Unavailability of Services: You understand and agree at times service may be temporarily unavailable due to system maintenance or technical difficulties, including those of an Internet service provider and/or Internet software issue. In the event the service is unavailable, you can deposit the original check(s) at any branch, some designated ATM’s, or by mailing the original check(s) to us at:

InFirst Bank
935 Philadelphia St.
Indiana, PA 15701.

A list of our branch locations and hours can be found HERE.

Termination of Service: InFirst Bank reserves the right to terminate this service at any time and without notice, if in the Bank’s sole discretion, the Bank determines that customer has abused the service or the bank may suffer a loss if the service is not terminated immediately.

Compliance with Law, Rules, and Regulations: You agree to comply with all existing and future operating procedures used by InFirst Bank for
processing of transactions. You further agree to comply with and be bound by, all applicable state or federal laws, rules, regulations, orders, guidelines, operating circulars and pronouncements, affecting checks, drafts, and ACH transactions, including, but not limited to, all rules and procedural guidelines established by the Federal Trade Commission (FTC), the Board of Governors of the Federal Reserve, the Consumer Financial Protection Bureau, and any other clearinghouse and/or other organization in which InFirst Bank is a member or to which rules InFirst Bank has agreed to be bound. These procedures, rules, and regulations (collectively the “Rules”) and laws are incorporated herein by reference. In the event of conflict between the terms of this agreement and the rules, the rules will control. You also agree you will not engage in any activity directly or indirectly related to the use of the product or service that is illegal or fraudulent.

Amendments: We may change the terms, conditions, and charges for the service indicated in this disclosure and agreement by notifying you of such change and may amend, modify, add to, or delete from this disclosure and agreement from time to time. The use of the services after receipt of notification of any change constitutes acceptance of the change.

Proceed with Enrollment for the Service: By clicking on the “I agree” button below you are acknowledging that you have read and agree to the
terms and conditions of the Agreement and would like to proceed with online registration. If you do not agree, choose cancel below. If you click “cancel” you can still enroll in our Online Banking and Online Bill Payment services at a later time by completing an application in one of our offices or by mailing us the enrollment application. You will still be asked to accept the Terms and Conditions of this Agreement.

A: All checks must be signed by the depositor(s) and ‘For Mobile Deposit@InFirst Bank Only‘ should be included beneath the signature as well. Please see the example below.

A: No, the check images are not stored on your mobile device once submitted.

A: Yes. A blanket deposit amount limit has been set for all customers for $2,500.00 per day with a rolling 30-day limit of $10,000.00 in total. This amount may vary at the sole discretion of the Bank based on customer standing considering such factors as balances maintained, age of account, overall banking relationship and overall operation of the account by you.

A: Once the deposit is reflected in your account, please retain the check for 30 calendar days. After this time period expires you must void the check and securely destroy it.

A: Checks deposited before 3:00 PM EST on business days (Monday-Friday) will typically post to your account that night. Checks deposited after 3:00 PM EST or on non-business days will be processed on the next available business day and typically posted to the account that night. Funds are subject to InFirst Bank’s Funds Availability Policy.

A: If you have an Android phone, Yes. Go to the History tab to see a list of your mobile deposits from the last 180 days, as well as images of those checks. This feature for iOS devices is currently in development.

A: All deposits are subject to our verification procedures and we may refuse, limit or return deposits for any reason. If there is a change to your deposit amount or your item is rejected, InFirst will contact you at the email address you registered for Mobile Check Deposit with.

A: Make sure that you have placed the check on a dark or contrasting background against which it will stand out. Ensure that all four corners of the check are visible in the picture. Use a steady hand to reduce image blur and take the picture in a properly lit area. It can also help to take the photo at a slight angle as opposed to directly above the check.

A: You will receive a notification if your item is adjusted or rejected. You can write your confirmation number on the deposited check for your own records if desired.

A: You can deposit as many checks as you’d like up to the deposit limits noted above. However, you can only deposit one check at a time.