American State Bank and Trust Company of Williston North Dakota
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Electronic Banking
Remote Deposit Anywhere

Remote Deposit Anywhere     

At American State Bank & Trust Company, we know life can get busy!  Since banking is a necessary part of life, we are pleased to offer Mobile Banking and Remote Deposit Anywhere to make depositing checks faster and easier.

Remote Deposit Anywhere (RDA) is a free service enabling you to deposit checks on the go with American State Bank & Trust Company's iPhone or Android Mobile Banking App. Customers have the ability to deposit eligible checks into designated account(s) from a supported mobile device by creating an image of the front and back of the check and delivering the check image and associated deposit information to the bank electronically.


 Benefits of Remote Deposit Anywhere

  • Remote Deposit Anywhere is FREE!
  • RDA is safe and secure – RDA is located within the ASBT Mobile Banking app.   Logging into Mobile Banking requires your NetConnect ID and Password.
  • American State Bank & Trust Company will send you an email indicating whether or not your deposit was accepted for processing.
  • RDA is simple – No special software is needed; just your mobile device and the ASBT Mobile Banking app.
  • RDA provides convenience – You can make same-day deposits until 5:00 PM CT on any American State Bank & Trust Company business day.
  • RDA allows you to make deposits anywhere and anytime you want – 24 hours a day, 7 days a week.


 It’s convenient, easy and safe.  


Remote Deposit Anywhere FAQ's

What is Remote Deposit Anywhere?
RDA is an easy way to electronically deposit checks from your iPhone, iPad, or Android phone using the ASBT Mobile Banking App.
 
How do I know if I am eligible to use Remote Deposit Anywhere?
You must be a current American State Bank & Trust Company customer with an open checking or savings account of at least 90 days. You must also be enrolled in NetConnect Online Banking and have downloaded the free ASBT Mobile Banking App.  You can apply for RDA by going to www.ASBT.com or visiting with a Customer Service Representative at any of our two locations.
 
How much does it cost to deposit a check using Remote Deposit Anywhere?
RDA is free.  Just download the ASBT Mobile Banking App to begin.  Please note your internet and/or mobile service provide may access fees.
 
Is Mobile Deposit safe?
Check deposits made through the ASBT Mobile Banking App are protected according to the highest financial industry standards. Security features include: password protection, internet firewalls and 128-bit encryption. Check images and other private information are not stored within the Mobile App or on your phone. Making a deposit with your Mobile Deposit is as safe as using Online Banking.
 
When can I use Remote Deposit Anywhere?
You can make mobile deposits 24 hours a day, 7 days a week including weekends and holidays.
 
What is the limit for the number of check and dollar amount of deposits?
You may forward only one check image at a time for deposit.  The total dollar amount of eligible items that can be transmitted to us is limited to the dollar limit established for you when you are approved for RDA.  The number of items deposited in any day is unlimited as long as your daily and monthly dollar limited is not exceeded.
 
What if I have a check that is more than my daily limit?
RDA will deny your deposit.  Please visit an American State Bank & Trust Company to make your deposit or call a Customer Service Representative for assistance.
 
How do I choose which accounts I can make deposit to using Remote Deposit Anywhere?
When you choose the “Deposit” function within the ASBT Mobile Banking App, you will be given the option to choose which one of your enrolled accounts you want to make a deposit to.  When applying for RDA you will be given the opportunity to enroll desired accounts.
 
Do I need to sign the back of my check?
Prior to taking a photo and submitting the photo of the original check, you need to restrictively endorse the back of the original check with “ For Mobile Deposit Only and your Signature.
 
Do I need to take a picture of the whole check or just capture the amount?
You will need to take a picture of the entire front and entire back of your check when making a RDA deposit.

Are there any kinds of checks that cannot be deposited through Remote Deposit Anywhere?
Checks that are ineligible via RDA include, but are not limited to, the following:  (Refer to the Internet Banking Services Agreement for a complete list):

  • Traveler’s Checks
  • Money Orders/Cashiers Checks
  • Checks drawn on foreign banks and drawn in foreign currency
  • Checks payable to any person other than the account holder of the account into which the check will be deposited
  • Checks containing an alteration on the front of the check, which you know or suspect are fraudulent, or are otherwise not authorized by the account holder
  • Checks payable jointly, unless deposited into an account in the name of all payees
  • Checks dated more than six (6) months prior to the date of deposit
  • How do I know the picture I have taken is acceptable?
  • Remote Deposit Anywhere automatically reviews the image to be sure the check image is clear and legible. 

Why am I unable to deposit my check?
There are a few reasons that checks may not be able to be deposited:
  • Folded or torn corners
  • Front image is not legible
  • Amount entered does not match the amount read by the scanning software
  • Routing and account numbers are unclear
  • No camera on the device
  • Image is too dark.
What are some helpful tips when making a Mobile Deposit: 

  • Use Deposit in a well-lit area when taking pictures of a check to prevent shadows or poor image quality.
  • Verify that the back of the check is property endorsed.
  • Place check on a dark background.
  • Smooth out folds on check.
  • Keep hands clear of the check while taking the pictures to avoid pictures of fingers/hands.
  • Keep the phone flat and steady above the check when taking your photo.
  • Make sure the entire check image is visible and in focus before submitting your deposit.
  • Once your deposit has been posted, securely store your check for 90 days and then destroy it.
 
How do I know American State Bank & Trust Company has received my deposit?
The upload confirmation screen means your deposit has been received for processing.  Once accepted by the Bank you will receive an email confirmation notice. 
 
Will my deposit be processed in today’s business?
Remote deposits received by 5:00 PM CT are processed that business day.  Deposits made after 5:00 PM CST, on weekends and holidays will be processed the next business day.  Remote deposits will show on your account the beginning of the next business day.
 
What if I accidently deposit the same check twice?
Any check can only be accepted for deposit one time.  RDA has a built-in duplicate detection took that alerts you if you attempt to deposit an item twice.
 
What do I do with my paper check after I have deposited them?
Customers are required to retain the original paper items in a secure place and after 90 days you can destroy the check.
 
What do I do if Remote Deposit Anywhere is not available to me?
In the event that you are unable to access RDA, you can still deposit an original check at any American State Bank & Trust Company location.
 
How do I change my email address for Mobile Deposit email notifications?
Log into NetConnect Online Banking from a computer and update your email address. Once you have changed your email address, open the “Deposits” option within the Mobile App. You don't need to process a deposit in order for the information to update for Remote Deposit Anywhere.
 
How do I add or remove accounts from the “Deposit into” list?
Contact a Customer Service Representative at any American State Bank & Trust Company locations and request to have accounts added or removed from your Remote Deposit Anywhere. 
 
How do I log out of the app?
On your device, simply press the “Logout” button.  The app will close and you will be logged out. NetConnect Mobile Banking will automatically log off the system after 10 minutes of inactivity.


For questions regarding Remote Deposit Anywhere
please call 1-800-486-8173 or 701-774-4100
 or email support@asbt.com

 
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American State Bank and Trust © 2018
223 Main St
PO Box 1446
Williston, ND 58802

(800) 486-8173
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