Text Size
Text Size Smaller Text Size Larger

American National Mobile Deposit
Frequently Asked Questions


Q: What is American National Mobile Deposit?

A: American National Mobile Deposit allows you to deposit checks to any of your American National checking and savings accounts using the camera on your iPhone® or Android™. Using the American National Mobile Banking app for the iPhone® or Android™, login to your Online Banking account and select the Deposits icon (Deposits may be located in the More area of Mobile Banking). Take a picture of the check front and check back, enter the amount of the check, choose your account and select Deposit Check.

Q: What do I need in order to use American National Mobile Deposit?

A: To use the American National Mobile Deposit service, you must have the following:

  • An active American National Online Banking account with Mobile Banking enabled; and
  • The most recent version of the American National Mobile Banking app for the iPhone® or Android™.

Q: Where do I find the Mobile Deposit option in the American National Mobile Banking app for the iPhone® or Android™?

A: The option is titled Deposits, and will be listed along the bottom of the app. Bill Pay users should click on “More” and then “Deposits” as shown below. Non-Bill Pay users will simply click on “Deposits” along the bottom of the app (there is no “More” option).

Q: Who is eligible to use American National Mobile Deposit?

A: Currently, American National Mobile Deposit is available to American National customers who have:

  • enrolled in American National Mobile Banking;
  • installed the most recent American National Mobile Banking App for iPhone® or Android™;
  • opened/maintained an active American National checking and/or savings account for at least 60 days; and
  • demonstrated financial responsibility with all American National accounts, which means that your account must be in good standing for 60 days from account opening, you must maintain a positive balance, you must be making regular deposits, you must demonstrate normal activity patterns including the ability to repay, and no unusual, fraudulent, or suspicious activity may be present.  

Q: How do I request Mobile Deposit?

A: Login to Online Banking from your computer, select the Mobile Deposit tab and follow the instructions on the screen, or click here.

Q: May I enroll more than one account for Mobile Deposit?

A: Yes. You may enroll as many checking and savings accounts as you like for Mobile Deposit as long as the accounts qualify.

Q: Do I need to use a deposit slip to make a deposit through Mobile Deposit?

A: No. We will use what is called a substitute (or electronic) deposit slip to post the deposit to your account. You will only need to take a picture of the front and bank of the check being deposited.

Q: Should I endorse my check before taking a picture?

A: Yes, endorse the check “For Mobile Deposit Only to American National” and sign your name. Any loss or fees incurred from a rejection, delay or processing error resulting from an irregular, missing or incomplete endorsement or other markings will be your responsibility. 

Q: What type of checks can I deposit with Mobile Deposit?

A: Checks made payable to you and drawn on a bank within the United States can be deposited through Mobile Deposit. Some business size checks (the long ones) do not work with Mobile Deposit.

The following examples are types of checks or items which cannot be deposited through Mobile Deposit:

  • Federal government checks
  • Money orders
  • Travelers checks
  • Savings bonds
  • Foreign checks (not drawn on a U.S. bank) or checks not payable in U.S. currency
  • Insurance drafts
  • Checks payable to you and another party, unless deposited into a Mobile Deposit account in the name of all payees
  • Checks payable to any person other than you (the account owner)
  • Checks that have been altered
  • Checks dated more than six months prior to the date of deposit
  • Checks with any endorsement on the back

For a complete list of payment/check types which cannot be deposited with Mobile Deposit please see the American National Mobile Deposit Terms and Conditions.

Q: When will funds be made available to me from deposits made by Mobile Deposit?

A: Mobile Deposits will generally be made available to you on the business day following the deposit date. Provisional credit is not granted for Mobile Deposits. Business day is every Monday through Friday, excluding federal holidays recognized by American National.

Q: Are there limits for deposits made through Mobile Deposit?

A: Mobile Deposit limits are:

  • Five checks per day, or $3,000 per day; and
  • Fifteen checks per month, or $10,000 per month.

Q: What do I do with the check after I deposit it through Mobile Deposit?

A: Once a check has been credited to your account, mark the check as “Electronically Presented.” In case the actual check is needed to resolve any claims and aid in the clearing and collection process, you should retain the check for at least 60 calendar days after the date of the image transmission. After that 60-day period, you should destroy or properly dispose of the check.

Q: Are there any fees associated with using Mobile Deposit?

A: Currently, there is no fee or charge assessed by us for you to enroll in or use the Mobile Deposit service. We may assess fees or charges in the future, and you will receive notice of such fees or charges, as required by law. You agree to pay and authorize us to deduct any such fees or charges from your designated Mobile Deposit account(s). Any fees associated with your standard deposit account(s) will continue to apply. You may, however, incur charges to receive Internet service on your mobile device. You may also incur charges from your wireless carrier when sending and receiving text messages. You will be solely responsible to your wireless carrier for any such Internet or text messaging charges.   

iPhone® is a trademark of Apple Inc., registered in the U.S. and other countries. AndroidTM is a trademark of Google, Inc.


American National Bank Online Banking