True Mobile Deposit

Monona Bank’s True Mobile Deposit allows you to make deposits from anywhere, right from your eligible mobile device (smartphone or tablet).

Just take a picture of your check and deposit it using our True Mobile Deposit function in our mobile app. While we always enjoy seeing you in our lobbies, we’re excited that our new True Mobile Deposit can save you a trip to the bank.

Point. Click. Deposit. It's that easy.


Monona Bank’s True Mobile Deposit is easy!

  • Select an account. Pick the account you're depositing to and enter the check amount.
  • Take a photo of your check. Take a picture of both sides of your endorsed check with your mobile device's camera, following the on-screen instructions.
  • Verify your check. Check the info on the Approve Deposit screen and then click "Approve". We'll confirm that the check is being processed.

It’s convenient!

  • Gives you 24/7 access. You can deposit checks on your schedule, virtually anytime and anywhere. No need to worry about going to the bank during branch hours.
  • Save you time. True Mobile Deposit means you don't need to make a special trip to the bank. Skip the deposit slips, lines, and ATMs. Funds deposited by 6 pm (Central Standard Time) are generally available the next business day.

It's secure!

Your deposit is as secure as depositing checks at any of our “brick and mortar” locations. Check images are not saved on your device. Your account information, which you can only access with your MononaBank Online User ID and Password, stays secure.


Check retention guidelines.

After you complete your transaction, write “deposited” and the date of deposit on the face of the check. Retain the marked check for a minimum of 14 days after your deposit is made, and then destroy it. For more information regarding what to do with your checks after you deposit them, click here.


For more information on True Mobile Deposit, click here.

Still have questions? Check out our FAQs or call or stop by and talk with one of our knowledgeable personal bankers today.

We’ve put together some commonly asked questions regarding our True Mobile Deposit tool. If the following FAQs do not answer your questions regarding our True Mobile Deposit tool, please call or stop in to talk with one of our personal bankers.

Who is eligible for True Mobile Deposit?

Any consumer customer that has a personal checking, money market or savings account and is set up to use the Monona State Bank Mobile App can use True Mobile Deposit.

What if an account is not listed in True Mobile Deposit?

In most cases, eligible accounts will automatically be signed up for True Mobile Deposit.  If you have an eligible account that has net been enabled please contact us at 608-223-6243 or email customercare@mononabank.com for assistance.

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, Savings Bonds or Third Party Checks.

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

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

Single item Dollar Limit $2,500
Daily Dollar Limit $5,000
Daily item Limit 10
Multiple Day Dollar Limit $5,000
Multi-Day item Limit 20
Multi-Day Period 25

When will my deposit post to my account?

Deposits submitted on a business day prior to our cut-off time of 4 pm (Central Standard Time) and approved, will be posted to your account the next business day.  Deposits submitted on business days after 4 pm (Central Standard Time) or on non-business days will be processed the next business day and posted to your account the business day after that.

How do I endorse the check being submitted for deposit?

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

  1. Write “FOR DEPOSIT AT MONONA STATE BANK ONLY”
  2. Your Account Number
  3. Your Signature

Do I destroy the check after I submit the deposit?

You should hold on to the check in a safe location for a minimum of 14 days, after which you should securely shred the item.  Note: do not VOID the check after submitting, in the event the deposit is not approved and you need to re-submit or bring the item to the bank to be deposited.

What happens if a check is deposited at two different banks or times?

Call us immediately at 608-223-6243.

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

The account must be open for 30 days.  The cycle to date average balance must be $1.00 or greater.  Also, there are maximum numbers of times that the account can have been overdrawn, which are: 

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