Mobile Check Deposit - What Happens Next?

While you can deposit a check using your mobile device at your convenience, processing days and times may vary depending on the day or time you submit your check for deposit. Listed below are detailed steps on what to expect after you submit a mobile check deposit.

If you make a mobile check deposit Monday - Friday by 7:00 p.m. ET

  • Deposit Received Notification - You will be sent an email letting you know we have received your deposit, and that it is being reviewed.
  • Deposit Status Notification - You will be sent a second email by 8:00 p.m. ET that same business day letting you know if your deposit was approved or declined.
    • If Approved - That same business day, your account history & current balance (but not available balance) will reflect the amount of the approved deposit. Your deposited funds will be fully reflected in your available balance the next business day after the posting date.
    • If Declined - The Status email will provide the reasons for the Decline.

Mobile Deposits made on a weekend, after 7:00 p.m. ET or on a Holiday will be treated as if received on the next business day

  • If Approved - The next business day, your account history & current balance (but not available balance) will reflect the amount of the approved deposit. Your deposited funds will be fully reflected in your available balance the following business day after the posting date.
  • If Declined - The Status email will provide the reasons for the Decline.
Mobile Check Deposit FAQs

Q. How does People's United Bank define a Business Day?
A. A "Business Day' means every day except Saturday, Sunday, and federal holidays. Please refer to the Electronic Banking Services Agreement for further information.

Q. My Check Deposit was rejected? Can I re-deposit it?
A. That depends on the reason it was rejected. For reasons that can be fixed (e.g. a check is missing your signed endorsement on the back) then you can redeposit it after the cause has been addressed. Others (like a foreign check was deposited or a duplicate deposit) you will not be able to redeposit.

Q. Are there limits to the amount or number of checks I can deposit?
A. The limits that we will apply will depend on how long you have been a customer of People’s United and the balances you maintain in all of your accounts held at People’s United regardless of eligibility for mobile check deposit.

If you have been a customer for more than ninety (90) days, we have three categories of limits based on your collected monthly balances

Bronze: Maintain an average collected monthly balance for the last ninety (90) days of less than $10,000.00.

Per Check Limit $5,000.00
Daily Aggregate Limit $5,000.00
Daily Number of Checks 10
10 Business Day Limit $10,000.00
10 Business Day Number of Checks 100

Silver: Maintain an average collected monthly balance for the last ninety (90) days of between $10,000.00 and $19,999.99.

Per Check Limit $10,000.00
Daily Aggregate Limit $10,000.00
Daily Number of Checks 10
10 Business Day Limit $20,000.00
10 Business Day Number of Checks 100

Gold: Maintain an average collected monthly balance for the last ninety (90) days of greater than $20,000.00.

Per Check Limit $15,000.00
Daily Aggregate Limit $15,000.00
Daily Number of Checks 10
10 Business Day Limit $30,000.00
10 Business Day Number of Checks 100

If you are a customer of People’s United for less than ninety (90) days and your aggregate opening deposit balance is less than $10,000, the New customer category will be applied for the first 90 days. If you are a customer of People’s United for less than ninety (90) days but your aggregate opening deposit balance is $10,000.00 or more, you will be eligible for the Bronze category described above.

New

Per Check Limit $1,000.00
Daily Aggregate Limit $1,000.00
Daily Number of Checks 10
10 Business Day Limit $3,000.00
10 Business Day Number of Checks 100