Mobile check deposit lets you deposit checks into your KY account using the camera on your mobile device. Here’s how it works:
- Sign your check.
- Choose an account.
- Enter your check amount.
- Take photos of the front and back.
- Review and submit.
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With the KY Mobile App, its easy, fast and free.
Skip the trip.
Deposit checks1 as soon as you receive them – skipping the trip to the branch or ATM.
Save time.
Deposit checks 24/7 in seconds using the camera on your phone or tablet.
You’re protected.
Our Digital Security Coverage protects you from liability for unauthorized use of your accounts.
Simple as point, click, done.
- Sign your check.
- Open the app and select Deposit a check from the quick-action menu at the bottom of the Welcome screen, then select Deposit a check again.
- Choose an account and enter the amount of the check.
- Take pictures of the check with your phone or tablet.
- Verify the information and submit.
You'll receive an immediate email notification confirming that we've received your deposit and another when we've accepted it for processing.
Frequently asked questions
Your deposit limits are displayed when you enter your check amount in the mobile app. Here’s how to find your limits in the app:
- Tap Deposits in the quick-action menu.
- Tap Deposit a check.
- Choose an account.
- Tap Deposit limits (under the check amount field) to see your daily and weekly limits.
Deposit limits vary and are based on multiple factors, including your account type, deposit history and relationship with us.
If you’ve opened an account within the last 90 days, your deposit limits could be as low as $50. After your first 90 days with us, your daily and weekly limits will likely increase.
Deposit limit definitions
Your daily deposit limit is defined as the maximum amount you can deposit using your mobile device each calendar day. Deposits made after the 10:00 p.m. Central Time cutoff will apply to the daily limit of the next calendar day.
Your weekly deposit limit is defined as the maximum amount you can deposit using your mobile device every 7 calendar days, which includes the current calendar day and the previous 6 calendar days. (If you make a deposit after the 10:00 p.m. Central time daily cutoff, the next day as well as the previous six calendar days will be included in determining your weekly limit.)
There are other ways to deposit your check if your check amount is higher than your mobile deposit limit.
Visit a branch or ATM.
Deposit your check at a .. branch or ATM.
Mail it.
If there isn’t a branch or ATM near you, you can deposit your check by mailing it to us with a deposit slip. If you don’t have a deposit slip, you can simply write your account number on the check. Be sure to sign the back of your check before mailing.
Mail to:
../Bank by Mail
P.O. Box 1950
St. Paul, MN 55101-0950
The first $225 of your total daily deposits is usually available right away. The rest of your deposit amount will typically be available the next business day (Monday through Friday, excluding holidays) if your deposit was made before 10:00 p.m. Central time.2
Individual deposits above a certain dollar amount3 may take up to five business days to become available. If extra processing time is needed, we’ll tell you before you confirm your deposit when the funds will be available.
No. There is no fee for mobile check deposit.
Deposits may be declined for a number of reasons. We’ll send you an email explaining the reason(s) for the decline and what you should do next.
If you need more help, call 800-USBANKS (800-872-2657).
We recommend holding on to your paper check for at least 2 business days after you deposit it in case we need more details from you.
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