With Mobile Deposit from BOK Financial, you can make a deposit anytime, anywhere! Save yourself a trip to the bank by depositing checks with your phone, even after hours, simply by taking a picture. It’s easy, safe and the most convenient way to deposit checks. Make deposits any time, anywhere.

• Enjoy the convenience of making deposits 24 hours a day, even on weekends and holidays.
• Extend the business day. Deposits received by 10 p.m. (CT) are processed the same business day. Deposits received after 10 p.m., and on weekends or holidays will be processed the next business day.
• Get money to the bank faster. You will save time by avoiding trips to the banking center when you use Mobile Deposit. Each deposit should typically take just a minute or two, depending on your connection speed.
• Branch, ATM and Mobile deposits are subject to review and funds from your deposit may not be available for immediate withdrawal.

To make a deposit please follow these steps:

1. Launch the Mobile App, sign in, and select “Deposits”.
2. Select the account where you wish to deposit your check.
3. Enter the amount of the check.
4. Take a picture of the front of the check.
5. Take a picture of the back of the check.
6. Verify your deposit information and submit.

That's it! You’ve sent your deposit through a secure connection to BOK Financial. You can also review your mobile deposits and see the images you’ve submitted by selecting the Mobile App’s Review Screen.

Deposits made before 10:00 p.m. (CT) will be processed the same business day. Deposits made after 10 p.m., or on weekends or holidays, will be processed the next business day.

For example, if you make a deposit on Saturday, the deposit would be credited to your account on Monday and available on Tuesday.

BOK Financial Mobile Deposit has a built-in duplicate detection system and will notify you if the same check is entered twice.

Yes, accounts currently have a daily and a rolling 30-day deposit limit. We will display your available limit on the deposit screen to assist you during your deposit. Additional information will be available by tapping the “info” icon displayed next to your current limit.

Once you’ve submitted your deposit, you will receive a mobile alert with a confirmation message and unique confirmation ID within the app. In addition, you’ll also get an email and mobile alert push notification with detailed information and the status of your deposit. Your recent deposit and status will also be stored in the “Deposit History” screen within the App.

After you receive confirmation that your check has been accepted for processing, store the paper check in a safe place for 7 days until you have verified that the funds have been deposited into your account. Then write “VOID” on the face of the check and destroy the check.

You can use Mobile Deposit 24 hours a day, including weekends and holidays.

All images are reviewed for clarity and completeness. If an error is detected, the app will prompt you to retake the photo. Follow these tips to help ensure a good photo is taken:

• Ensure the area is well-lit.
• Place the check on a dark surface.
• Remove objects or other items from view.
• Make sure all four corners of the check are visible. Use the guides built into the app to help you line up the picture.
• Position the camera directly above the check.

You can also change your Mobile Deposit settings at any time by selecting the “Mobile Deposit Settings” option on the Mobile Deposits screen.

There are no fees for the service. Your mobile carrier’s data charges may apply.

Mobile Deposit works on most iPhone® and Android™ phones, iPod Touch™ and iPad™.

iPhone® requirements:

• iOS 10 or higher

Android™ requirements:

• OS 5 or higher
• Camera 2.0 megapixels or higher

Mobile Deposit is very secure. We use password protection and 256-Bit SSL Encryption — the same security used for Online Access.

Mobile alerts are automatically enabled for mobile deposits. However, they can be turned off in your Mobile app. Log in to the app and select Mobile Deposit from the main menu, then select Mobile Deposit Settings. Toggle the Mobile Deposit push notification switch off.