Have a check to deposit? Save time and a trip to the bank by snapping a photo of your check and sending it to your account using an Internet-enabled device like your smart phone or tablet!

It’s easy to get started:

  • If you do not already have it, download the Monona Bank Mobile app from the Apple App store or Google Play store. (Monona Bank does not charge a fee for this app, but normal data rates may apply.  See your carrier for additional information.)
  • Log in to the Monona Bank Mobile app using your online login ID and password.
  • If you have not already, review and accept the Terms and Conditions.

That’s it! The True Mobile Deposit tool is built right into the Monona Bank Mobile app. No separate app is needed to deposit your checks using your Internet-enabled device (with a camera).


How do I endorse the check being submitted for deposit?

On the back of the check, please be sure to include the following:

  • Write "For Mobile Deposit Only – Monona Bank"
  • Your Account Number
  • Your Signature

OK, so it’s not rocket science. But it’s still banking and we need to make sure we tell you about the rules that govern this app.


What do I do with the deposited check?

Mark the checks that you have remotely deposited: After confirming the check was both received and processed by us for deposit, clearly write “Electronic Deposit on Date” (the date being the month/day/year of your deposit) in a blank area on the front of the original paper check. 

Note: Retain the marked check for a minimum of 14 days after the deposit has been made, then proceed to destroy the check.

Availability of funds:

After making a True Mobile Deposit, a total of up to $200 per day will be available to withdrawal by the next business day, upon the approval of the check. 


Cut-off times:

Deposits made through True Mobile Deposit before 6 pm (Central Standard Time) Monday-Friday will typically be processed that day. Deposits made using True Mobile Deposit after 6 pm (Central Standard Time) Monday-Friday or during weekends or holidays will be processed the next business day.


What types of checks can I deposit with True Mobile Deposit?  

Most domestic checks can be deposited through True Mobile Deposit. Mobile Deposit is not available for Money Orders, Foreign Items or Savings Bonds.


Are there any limits on the dollar amount of deposits I can submit?  

Yes. The following table lists the limits currently in place.


True Mobile Limits
Single item Dollar Limit$5,000
Daily Dollar Limit$10,000
Daily item Limit10
Multiple Day Dollar Limit$15,000
Multi-Day item Limit20
Multi-Day Period20

What qualifications does a client need to meet to qualify for this service?  

Clients must not reach the maximum number of times their account can be overdrawn, which are:

  • Since your last statement: 3 or less
  • Year-to-date: 12 or less
  • Prior year: 12 or less.