Mobile Banking Questions

Banking Frequently Asked Questions

expand +How does the Remote Deposit Capture work?
The Remote Deposit Capture feature of our mobile banking app allows you to make a deposit to an eligible account by using your smart phone to take a picture of the front and back of a check. Important: Smart phones with cameras that lack an auto-focus feature may be unable to use the Remote Deposit Capture service. Additional limitations may apply.
expand +How do I make a deposit with my mobile app?
Endorse the back of the check you wish to deposit. Log in to your OneWest Bank mobile app using your online banking credentials, click on the menu button and select “Check Deposit.” Follow the on-screen instructions to take photos of the front and back of the check. Enter the deposit amount and select the account to which you wish to apply the deposit. Click the “Continue” button and “Approve” your deposit.
expand +When will my funds be available?
Transmitting check images using our mobile app does not constitute receipt of the deposit by us. Check images received on a business day prior to 4:00 p.m., Pacific Time are processed on the day of receipt which will be considered the day of deposit. The funds you deposit using your OneWest Bank mobile app will be available in accordance with our Funds Availability Policy as found in the Account Disclosures for Personal and Business Accounts. For the purpose of determining funds availability of checks deposited using Remote Deposit Capture , such deposits are classified as "not in person deposits" as defined in Regulation CC and will be treated as ATM deposits, except that the deposit cut-off time is as stated above .
expand +Are there any types of checks that should not be deposited using the mobile app?

Certain types of checks are ineligible for deposit using the mobile app. These include but are not limited to:

  • Any form of monetary instrument including travelers checks, money orders and US Savings Bond
  • Checks drawn on or payable through foreign financial institutions
  • Checks payable to a third party
  • Checks transmitted from outside the United States or a high risk IP address
  • Demand drafts or remotely created checks (i.e., checks lacking the original signature of the drawer)
  • Substitute checks (i.e., paper checks created from an electronic image)
  • Checks that are irregular in any way (e.g., where the numerical and written amounts are different)
  • Checks that have previously been returned unpaid (re-deposited checks)
  • Checks that are postdated or more than six months old
  • Checks drawn on a foreign bank or payable in a foreign currency
  • Checks payable to Cash
  • Registered government warrants
  • Any check that the client suspects is fraudulent or not properly authorized
  • Any check or checks that exceed the transaction limitation(s) that OneWest establishes
expand +What are my deposit limits using Remote Deposit Capture?
  • Daily dollar limit is $2,500
  • Daily item limit is 5 checks
  • Multi-day* dollar limit is $5,000
  • Multi-day* item limit is 10 checks
* Note: the multi-day limit period is 7 business days
expand +Why won’t the mobile app allow me to make a deposit?
  • Your proposed deposit may exceed the deposit limits outlined in Question 5.
  • Your account may not be eligible for Remote Deposit Capture. Eligible accounts are those that have been open for at least 90 days and have an average balance of at least $500 for the most recent 90-day period.
expand +What are the account requirements for mobile deposit?
To be eligible for Remote Deposit Capture, an account must have been open for at least 90 days and must have an average balance of at least $500 for the most recent 90-day period.
expand +Does it work with my iPhone ? Android? Etc.?
Currently we have an iPhone mobile app (requires iOS 7.0 or later) and an Android mobile app (for android an automatic zoom lens is required). Our mobile app is also compatible with iPad and iPod touch (requires iOS 7.0 or later).
expand +Can I use my smart phone camera for Remote Deposit Capture?
Yes, however, smart phones with cameras that lack an auto-focus feature may be unable to use our remote deposit capture (RDC) service, and if the application detects incompatible camera hardware and/or software, the service may not even be listed as an option on the application menu.
expand +If I become locked out, how long until I can use the app again?
You must wait 24 hrs to be able to log back into the mobile app after being locked out.
expand +What security features are in place to protect my acct info on my phone?
OneWest Bank is committed to providing a secure Mobile Banking platform. To access your accounts using your mobile device, you will be required to login using your personal online banking user ID and password. Mobile Banking app uses an advanced encryption technology to ensure your safe access and to prevent account breach. To further safeguard your accounts, OneWest Bank offers Text Banking where you can enable and receive up-to-date text alerts regarding activities in your account. OneWest Mobile Banking will also automatically terminate your mobile banking session following 5 minutes of no acitivity.
expand +What are cut off times for deposits made with the mobile app?
The mobile Remote Deposit Capture cut off time is 4:00 p.m. Pacific Time on a business day. Any deposits made after 4pm on a business day, or at any time on non-business days, are considered to be deposited the next business day, excluding federal holidays. For example, a deposit made after 4:00 p.m. on Friday will be considered deposited the following Monday, unless that is a federal holiday.
expand +What are the fees using the mobile app?
Mobile banking is offered at no cost. (Your wireless carrier’s standard data rates may apply.)
expand +What do I do with my check(s) after I’ve deposited it?

Upon your receipt of confirmation that your deposit was credited to your account, you should do the following:

  • Mark the check as "Electronically Presented" or "Void."
  • Properly store the check to ensure that it is not presented again for payment by you or any other person.
  • Retain all checks deposited through Remote Deposit Capture for a period of 30 business days, after which you should dispose of the check in manner that will prevent its being presented again, such as by shredding the check.
  • If asked, promptly provide us with a copy of any retained check to aid in the clearing and collection process, to resolve claims by third parties, or for our audit purposes.
expand +Can I initiate account transfers from the app?
You can transfer funds to and from liquid accounts for which you are an account owner. Note: some accounts, such as savings or money market accounts, may be restricted by regulation to a limited number of transactions per month.
expand +Can I use bill pay functions from the app?
Yes, you can use the bill pay function on the mobile app, however, you cannot add new payees.
expand +Do I have to enroll separately for the app?
No, customers who are enrolled in online banking can download the mobile app and use their existing user ID and password to sign into the application.

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