Hilltop's Mobile Deposit Banking

The given statement is true. After the customer has completed the Mobile Deposit Application and been approved, the next step is indeed to go to the Apple or Android store and install the Hilltop Deposit App. This app is necessary for the customer to be able to make mobile deposits using their mobile device.

The explanation for the given correct answer is that the customer's username for Mobile Deposit Capture will be the same as their online banking login id. This means that when a customer logs in to their online banking account, they can use the same username to access the Mobile Deposit Capture feature. This provides convenience and consistency for the customer, as they do not need to remember multiple usernames for different banking services.

The given statement is true. E-services will send a temporary password to users in a welcome email once they have been approved for Mobile Deposit Capture. This suggests that the process of approving users for Mobile Deposit Capture involves sending them a temporary password through email as part of the welcome process.

The correct answer is to endorse the check, enter the amount on their mobile device, take a picture of the front and back of the check, preview for legibility, and then upload. This process ensures that the check is properly endorsed, the correct amount is entered, and both sides of the check are captured in the images. Previewing for legibility helps to ensure that the images are clear and readable, reducing the chances of errors or issues with the deposit.

After taking a picture of the front and back of the check and submitting it, the system will acknowledge the successful upload. This means that the system will confirm that the check images have been successfully uploaded and received.

The customer needs to write "Mobile Deposit" on the front of their check and retain the physical copy for 7 days in a secure location. This statement is true because when using mobile deposit, it is important to clearly indicate on the check that it is being deposited through the mobile app. Writing "Mobile Deposit" helps to prevent any confusion or double deposits. Additionally, retaining the physical copy for 7 days allows the customer to have a backup in case any issues arise with the deposit.

Mobile Deposit Capture is most appropriate for individual customers because it allows them to conveniently deposit checks into their bank accounts using their mobile devices. This feature is designed for personal use and provides a convenient alternative to visiting a physical bank branch. Business customers may have more complex banking needs and may require additional services and features that are not typically offered through Mobile Deposit Capture. Sole proprietors, who are individuals operating their own businesses, may also benefit from this service as it allows them to deposit business-related checks into their personal accounts.

The very first step a customer must complete to get started with Mobile Deposit Capture is to fill out and submit the Mobile Deposit Application. This application is necessary to provide the required information and authorize the customer's access to the Mobile Deposit feature.

The customer can find the Mobile Deposit Enrollment Form on HilltopNationalBank.com/printableforms.

The statement suggests that Hilltop National Bank will soon introduce an auto enrollment feature for mobile deposit on their website. This means that customers will be automatically enrolled in the mobile deposit service without having to manually sign up for it. Therefore, the correct answer is true.

The correct answer is $1,000 per day limit and $2,000 per month. This means that there is a maximum limit of $1,000 that can be deposited in a single day, and a maximum limit of $2,000 that can be deposited in a month. Any amount exceeding these limits would not be accepted for deposit.

The given answer, "All of the above," is correct because it encompasses all the guidelines mentioned for taking a picture of a check. Good lighting, no deep shadows, one check at a time, no other objects in view, dark or monochrome background, entire check visible, good focus, and avoiding excess angles are all important factors to consider when capturing a clear and usable image of a check.

The explanation for the given answer is that deposits are not available right away when a customer uploads a check image. Instead, they are processed in batch mode at specific times during banking days, which are at 10:30 a.m. and 4:30 p.m. This means that there might be a delay between the time the customer uploads the check image and when the funds become available in their account.

The eServices department will complete the approval and setup of the Mobile Deposit Application once the customer has completed it. This department is specifically responsible for handling electronic services and transactions, which includes mobile deposit applications. They have the necessary expertise and resources to review and approve the application, as well as set up the customer's mobile deposit functionality.

The correct answer includes all the types of checks that are not eligible for deposit using Mobile Deposit Capture. These include Money Orders, Traveler's Checks, Savings Bonds, and Checks drawn on a financial institution outside the United States. These types of checks may have different processing requirements or may not be accepted by the mobile deposit system, hence they are marked as ineligible.

To be eligible for Mobile Deposit, the customer must have online banking enrollment, be a bank customer for at least six months, have zero returned NSF (Non-Sufficient Funds) items, have a positive report from eFunds clearing house, and be an owner/signer on the account.

The correct answer is a list of ineligible types of checks that cannot be deposited using Mobile Deposit Capture. These include checks that have been altered or are suspected to be fraudulent, checks that are more than six months old, checks that have already been submitted or deposited through Hilltop's or any other bank's remote deposit service, and post-dated checks. These checks are not eligible for mobile deposit due to potential issues with their validity or previous processing.

If the existing limits on check volume are not suitable for the customer, they need to have a bank officer review their situation to waive the default limits. This means that the customer should contact a bank officer and explain their specific needs and reasons for needing higher check volume limits. The bank officer will then evaluate the customer's situation and may decide to waive the default limits to accommodate their needs. This option allows the customer to potentially increase their check volume limits without having to change banks or involve higher authorities like the board of directors.

Hilltop's Mobile Deposit Capture does not have a monthly fee, and it costs $0.75 per check deposited. This means that customers can use the service without having to pay a monthly fee, and they only have to pay $0.75 for each check they deposit using the mobile deposit feature.