Mobile Check Deposit FAQs
Q: Who can use this service?
A: Hyperion Bank registered Online Banking customers, with acceptable smart devices, whose accounts have been
opened for 30 days and are in good standing can use this service.
Q: How do I access the Service?
A: You must be a Hyperion Bank customer who is signed up for our Online Banking service. From your app store,
download the Hyperion Bank Mobile Application. Once the application is installed select the Deposit Checks Tab.
Review and accept the user agreement. Your registration request will be sent to the bank for review.
Q: What devices can I use?
A: Mobile Remote Deposit Capture works with a variety of supported* smartphones and other devices utilizing the built-in
camera for the capture of check images. The most current list of supported devices is as follows:
Apple’s App Store:
iPhone Classic
3G
3 GS
4G
5
iPod Touch 4G and above
iPad 2 and above
Google Play
Android Smartphones with the Android 1.6 Operating system or greater
No “small screen” support, i.e. all but “QVGA” 240wx320h are supported
*Supported devices and operating systems may change without notice.
Q: Are there any fees for using this Service?
A: At this time, Hyperion Bank does not charge any fees for using this service.
Q: Are there restrictions on the number or types of accounts that I can use to make deposits?
A: You can make deposits into any Hyperion Bank checking, savings, and money market accounts that are part of your
Online Banking profile.
Q: How secure is the Hyperion Bank mobile app?
A: We offer extensive security features to ensure that you can conduct your banking in a safe and private online
environment. The same industry standards we have always employed to keep Online Banking secure extend to our
Mobile Banking applications as well.
Q: How will I know when I can use the Service?
A: You will receive an email to tell you that your registration has been approved or denied. Once it is approved you may
begin using the service.
Q: When can I make deposits?
A: You can scan items for deposit at any time. However, items will only be posted to accounts on regular business days,
which are Monday through Friday, excluding Federal Holidays and any day we may be closed due to an emergency.
Deposits received after 3 pm on any regular business day will be processed to your account on the following business day
Q: Are there limits on making deposits?
A: Yes, as follows:
Per deposit limit: $1,000.00
Daily deposit limit: $2,500.00
Rolling 30 day deposit limit: $10,000.00
Q: What kinds of checks can I deposit using this service?
A: Checks made payable to you drawn on a United States Bank and must conform to the following requirements:
Information on the check. Any image of a check that you transmit through
the Service must accurately and legibly provide all of the information on the
front and back of the check at the time it was presented to you.
You must endorse the original check with a restrictive endorsement before scanning it
by applying your signature and the legend, “For Remote Deposit Only.”
You authorize the Bank to supply an endorsement on your behalf for deposit to
your account if a check is missing or has an improper endorsement.
You agree that the scanned image of each check shall provide the following
information: (1) identification of the drawer and the paying bank that is
preprinted on the check, including complete, full-field, and accurate MICR
(magnetic ink character recognition) line, routing transit number, number of
the account on which the check is drawn, and drawer signature(s);
(2) amount, payee, date, check number; and (3) other information placed on
the check before imaging, such as any required identification written on the
front of the check and any endorsements applied to the back of the check.
Checks that do not meet the above requirements or fall into any of the following prohibited categories will not be accepted
for deposit:
are payable to any person other than you;
contain obvious alteration to any of the fields on the front of the check, or which you know or suspect, or
should know or suspect, are fraudulent or otherwise not authorized by the account holder;
are substitute checks as defined by Check 21 or IRDs (Image Replacement Documents) that purport to
be substitute checks and which have been previously endorsed by a financial institution;
are drawn on a financial institution located outside the United States or
are not payable in United States currency;
are dated more than six (6) months prior to the date of deposit;
have a duplicate MICR code line;
are missing or have an invalid or incorrect routing number;
are photocopies or otherwise not original paper checks when they are scanned;
are issued to multiple parties;
are third party or second endorsed checks;
do not qualify as “original checks” as defined in Regulation CC.
Q: Can I deposit multiple checks in one deposit?
A: No, each check will be a separate deposit. Select deposit on your smart device, enter the amount of the first item, and
take an image of the front and the back of the check. After you receive your deposit confirmation, select deposit to repeat
the process.
Q: How will I know that a check has been successfully scanned and submitted for deposit?
A: You will receive a confirmation number and message on your screen. You can choose to have this confirmation
emailed to you.
Q: How will I know that my deposit is being processed to my account?
A: You will receive an email advising you that your deposit has been accepted. If the deposit was submitted before 3
pm, it will be processed to your account as of that business day and may be visible in online banking after 9 pm that
same business day.
Q: When will the funds from my deposit be available?
A: The funds for the checks that you deposit through the Service may not be immediately
available to you. ALL checks deposited through the Mobile RDC product will be subject to local check holds as outlined in
our Regulation CC disclosure as amended from time to time. Click on Disclosures at the base of our website home page
for the most recent disclosure.
Q: What happens if the Bank rejects a deposit?
A: If the check has been rejected for one of the prohibited reasons previously outlined, it can not be negotiated. In some
cases it may be possible for the check to be processed in person at the branch. If this is the case the email notification
you receive will advise you of this option.
Q: How long should I keep the original check?
A: The check should be stored securely for 90 days then you should destroy it.
Q: How do I terminate this service?
A: If you wish to cancel the Service, you must notify the Bank in writing, and you must also discontinue using the Service
at that time. You may notify us by emailing us at: customerservice@hyperionbank.com
or writing to Hyperion Bank Online Banking Department, 199 W. Girard Avenue, Philadelphia, PA 19123.
Q: What happens if I lose my phone?
A: If your device is lost or stolen, it is unlikely that someone could access your account information unless they also know
your Online Banking Username and Password. However, you should contact Hyperion Bank as soon as possible by
calling 215-789-4200 and notify your mobile service carrier as well.