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Watch a short video to see how Mobile Deposit works.

With Mobile Deposit, you can save yourself a trip to the bank by depositing checks using our Mobile Banking App. It’s easy, safe and the most convenient way to deposit checks.

Benefits and Features:

  • Deposit checks anywhere, anytime
  • Deposit cut-off times extended until 10 p.m.
  • Eliminate trips to the bank
  • Safe and secure


Getting Started is Easy:

  1. Download our Mobile Banking App or update to the latest version if already installed (iPhone®, iPad® or Android™)
  2. Use your Online Banking Username and Password to login
  3. Tap the “Deposits” tab and follow the instructions to deposit your check

iOS App*

Android App*

Please note, you must be enrolled in Online Banking to use Mobile Deposit.

*By clicking on this link, you will leave Bank of Oklahoma is not responsible for the content of or products and services provided by this site nor does it guarantee the accuracy of information contained in this site (with the exception of the Bank of Oklahoma Mobile Banking App and App page). This link will direct you to an Internet site which contains information that may be useful to you.

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

iPhone® requirements:

  • iOS 5.0 or higher

Android™ requirements:

  • OS 1.6 or higher
  • Camera 2.0 megapixels or higher

Frequently Asked Questions

What is Mobile Deposit?

With Mobile Deposit from Bank of Oklahoma, 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 anytime, anywhere.

  • Enjoy the convenience of making deposits 24 hours a day, even weekends and holidays.
  • Extend the business day. Deposits received by 10:00 p.m. (CT) are processed the same business day. Deposits received after 10:00 p.m. (CT), 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.
How do I make a mobile deposit?

To make a deposit please follow these steps:

  1. Launch the Mobile Banking App, log in, and select “Mobile Deposit” from the main menu
  2. On the Mobile Deposits screen tap “Make a Deposit”
  3. Select the account where you wish to deposit your check
  4. Enter the amount of the check, then select Next
  5. Center the front of the check within the frame displayed on your screen and the picture will be automatically taken for you, then select Done
  6. Center the back of the check within the frame displayed on your screen and the picture will be automatically taken for you, then select Done
  7. Verify your deposit information and select Deposit Check

That's it! You’ve sent your deposit through a secure connection to Bank of Oklahoma. You can also review your mobile deposits and see the images you’ve submitted by selecting Mobile Deposit History.

When will my deposit be processed?

Deposits made before 10:00 p.m. (CT) will be processed the same business day. Deposits made after 10:00 p.m. (CT), 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 may be available on Tuesday.

When will funds from Mobile Deposits be available?

If your deposit was accepted prior to 10:00 p.m. (CT) your deposit will generally be available to you the next business day. Deposits made after 10 p.m. (CT), or on weekends or holidays, will generally be processed the next business day. All deposits are subject to review and funds from your deposit may not be available for immediate withdrawal.

Can I see my Mobile Deposit History?

Yes, you can review your Mobile Deposits and see the images you've submitted by selecting the Mobile Deposit History Screen. 

What happens if I mistakenly deposit the same check twice?

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

Are there limits to how much I can deposit?

Yes, accounts currently have a rolling 30 day deposit limit. We will display your 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.

How do I know when Bank of Oklahoma has received my deposit?

You will receive a confirmation message and a unique confirmation ID when your deposit has been accepted for processing. In addition, you will also receive an email 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.

What do I do with the check after it has been deposited?

After you receive confirmation that your check has been accepted for processing, store the paper check in a safe place 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.

When can I use Mobile Deposit?

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

Do you have any suggestions for taking good photos?

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.

How much does Mobile Deposit cost?

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

Will Mobile Deposit work on my phone and/or mobile device?

Mobile Deposit works on most iPhone® and Android&tm; phones, iPod Touch&tm; and iPad&tm;.

How secure is Mobile Deposit?

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

How do I review and print the Terms and Conditions?

You can view and print the Terms and Conditions here

Why am I unable to deposit my check?

There are a few common errors that may cause your check to be rejected:

  • Blurry pictures (retake your photos with a steady hand, in a well lit area)
  • Folded or torn corners
  • Front image is not legible
  • Routing and account numbers are unclear
  • Image is too dark

Try using Mobile Deposit in a well lit area to prevent shadows and poor image quality. Keep your hands clear of the check while taking the picture.

How many checks can I deposit using Mobile Deposit?
You can deposit as many checks as you'd like, up to your personalized deposit limit. However, you can only deposit one check at a time.
Why am I being prompted to allow camera access?
Mobile deposit will automatically take the picture for you. However, to do this you may be required to allow camera access.
How can I allow access to my camera if I didn’t do it when prompted?
Go to Settings > Privacy > Camera > turn on access for BOK.

Mobile Deposit Terms and Conditions

Apple, the Apple logo, iPhone, iPad, and iPod touch are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.  Android is a trademark of Google Inc.

© 2016 Bank of Oklahoma, a division of BOKF, NA. Member FDIC. Equal Housing Lender.