Banking That Goes Where You Go

You can deposit up to $5,000.00 on total daily deposits and up to $2,500.00 on individual items.

Any customer who is in good standing may deposit to their checking and/or savings accounts.

Save the deposited check for a minimum of 14 business days and then destroy to prevent representment.

The deposit cut-off time is 4 p.m. CT, Monday – Friday. If you submit after 4 p.m. – or on a non-business day or holiday – your deposit will be processed the following business day. Funds are generally available the day after your deposit was processed, but may take up to 48 hours.

Mobile Deposit can be used for personal and business checks drawn on US financial institutions and in US currency.

Checks must be payable to the owner of the account and must be endorsed on the back.

The following items are NOT eligible for Mobile Deposit:

• Third party checks

• Checks payable jointly, unless deposited into an account in the name of all payees

• Fraudulent checks

• Foreign checks

• Substitute checks

• Government bonds

• Savings bonds

• Checks drawn on a financial institution located outside the US

• Checks dated more than six (6) months prior to the date of deposit

• Checks not payable in US currency

• Checks previously submitted through Mobile Banking or through a remote deposit capture service offered at any other financial institution

Endorsement must read FOR MOBILE DEPOSIT ONLY AT FNBBEMIDJI along with your signature.

The security of your account is always a top priority at First National Bank Bemidji. That’s why we implemented a two-factor authentication feature for account access, ensuring you banking experience remains safe. Each passcode is sent directly to your email for easier access. When you log in to your account, you might be prompted to enter a code sent to your email address associated with the account. Simply enter the code sent to your email address to restore access.