Mobile Banking

You need to transfer funds, but you don't have time to go to the bank. Easy if you have Online Banking…but what if you're not near a computer? Problem solved.

Features

  • Free service from Bank of Holland*

  • View real-time account balances

  • Detailed transaction history

  • Transfer funds between accounts

  • Set up account alert text messages

    • When your account falls below certain balance

    • When a direct deposit has been made

    • When a check has cleared

  • Highly secure and easy to use

  • Digital Debit Card features include the following:

    • Card usage notifications

    • Limit transaction types

    • Set geographic limits

    • Manually freeze cards

    • Set spending limits

    • Manage travel notes

    • Location matching

    • Mobile Banking Privacy

You can enroll for mobile banking through your online banking account. Click the "Options" menu and choose "Mobile Banking Enrollment." Or on your phone’s "App" Store.

*Your cell phone provider may charge fees for web access and/or text messages.

Mobile Deposit

Whenever, wherever — depositing checks is never more than a few quick clicks away. With 24/7 mobile deposit, making back-and-forth bank trips is a thing of the past.

Simply use your phone to snap a picture of your check, then send it on its way for processing. Mobile deposit not only saves you valuable time, it also accelerates access to your cash. Your phone is always on you — so is a direct connection to your bank and your money thanks to this efficiency-adding service.

Contact us at (716) 655-4667 to have Mobile Deposit added to your Mobile Banking App today!

How It Works

  • Conveniently deposit checks 24/7 from any smartphone

  • Simply capture a photo of the front and back of the check 

  • Endorse all Checks with "For BOH Mobile Deposit Only" or "For Bank of Holland Mobile Deposit Only"

  • Then submit the image for bank review and processing

  • Accelerate funds availability and maximize cash flow

  • Avoid multiple bank trips; save yourself valuable time

  • Less time spent on document preparation

  • Reduce the risk of check fraud; fully secure service

  • No software installation or updates necessary

Want to learn more? Check out our Mobile Deposit Tips below.

Educational Tips on Using Mobile Check Deposit

  • Before logging into the Mobile Deposit app, close all other apps running in the background on your mobile phone

  • Sign/Endorse the back of your check, and label it “For BOH Mobile Deposit Only.” OR “For Bank of Holland Mobile Deposit Only”

  • When prompted for the amount, carefully enter the check amount to ensure it matches the amount written on your check

  • Flatten folded or crumpled checks before taking your photos

  • Keep the check within the viewfinder on the camera screen when capturing your photos. Try not to get too much of the areas surrounding the check

  • Take the photos of your check in a well-lit area

  • Place the check on a solid, dark background before taking the photo of it

  • Keep your phone flat and steady above the check when taking your photos

  • Hold the camera as square to the check as possible to reduce corner to corner skew

  • Make sure that the entire check image is visible and in focus before submitting your deposit

  • No shadows across the check

  • All four corners are visible

  • Check is not blurry

  • The MICR line (numbers on the bottom of your check) is readable

Ineligible Items

The following items cannot be scanned and will not be accepted through mobile deposit

  • Checks payable to any person other than you

  • Checks that have been altered in any way, or that you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn

  • Checks previously converted to a substitute check, as defined in Reg. CC

  • Checks drawn on a financial institution located outside the United States

  • Checks payable to you jointly with one or more other persons, unless deposited into an account in the name of all payees

  • Checks that are remotely created checks, as defined in Reg. CC

  • Checks not payable in United States currency

  • Checks payable on sight or payable through drafts, as defined in Reg. CC

  • Checks with any endorsement on the back other than that specified in Mobile Deposit Agreement

  • Checks drawn against a line of credit Money Orders or Traveler’s Checks

Internal Data Validation at Handset

The following validations are run at capture time and are set to stop the deposit (at the phone) if the transaction doesn’t pass the edit.

  • RT (mod check) Validation

  • Foreign Item, IRD’s (Image Replacement Documents)

  • Image Quality Assessment

    • Includes MICR Misreads (digit errors)

  • Duplicate Detection within the Mobile Channel for your Financial Institution

    • 180 days of MICR data is retained for Duplicate Detection

    • Images are retained for 45 days

  • Declared amount doesn’t match CAR/LAR amount

  • Amount exceeds Deposit Limit

    • Can be set differently for each user or by institution's default if available through OLB

  • Amount exceeds Daily Deposit Limit

    • Can be set differently for each user or by institution's default if available through OLB

  • Missing Endorsement