Mobile Banking

What is Mobile Banking?

Machias Savings Bank's mobile services are like having access to a Machias Savings associate, only right in the palm of your hand. Our mobile app allows you to check balances, transfer funds between accounts, set up alerts, find a branch or ATM and much more. Our mobile services allow you to stay connected no matter where you are.

Do I need a special phone?

Mobile Deposit is available with most Android or iPhone devices.

What does it cost?

There is no cost. Simply sign up for MSB Online and enroll for MSB Mobile. Keep in mind that message and data rates may apply.

Once I'm enrolled for Mobile Deposit, how do I make a deposit?

To make a mobile deposit, you will need to log into your MSB mobile banking app on your device and select the "Deposit" icon. Enter the check amount and select the account you would like to deposit into. Select new deposit and you will be prompted to take a picture of the front and back of the check. If you deposit is successful, you will receive a confirmation page.

Will I be charged by my wireless carrier for this service?

Message and data rates may apply. You will need to check with your carrier about specific fees or charges.

Can two users share the same app on the same device?

Yes, the app remembers the last user and will display balances on that user.

I want to make a mobile deposit, how do I endorse my check?

Simply sign your name and write "For Bank Mobile Deposit Only" and include your account number on the back of your check.

What types of checks can I deposit using Mobile Deposit?

Most checks made payable to you and drawn on a bank within the United States can be deposited through Mobile Banking. Some business-size or longer checks do not work with Mobile Deposit. The following items cannot be deposited through Mobile Deposit:

• Third party checks
• Returned or re-deposited checks
• Jointly payable checks(unless being deposited to an account that is jointly-held and both parties have signed and included the restrictive endorsement)
• Money Orders
• Foreign Checks
• Travelers Checks

Is there a limit to the dollar amount of the check(s) I'm depositing?

We may establish limits on the number of checks or the total amount of checks deposited using Mobile Deposit. These limits may change from time to time without notice to you.

What do I do with the check after I have made a mobile deposit?

We do recommend you keep the check for 30 days or until you have confirmed the deposit has made it to your account. Then you will need to destroy the check securely by shredding it.

How quickly will the deposit show up in my account?

If your mobile deposit is completed prior to 5 p.m. on a business day, you will receive credit for your deposit on that same business day. Any deposits made after 5 p.m. will be credited to your account on the next business day.

How can I view the checks I have deposited?

You simply click on the "Deposit" icon on your bottom tool bar. Then select View Deposit History. Once you select the deposit in question, a "View Check" icon will appear.

Can I make a mobile deposit to different accounts?

Yes, during the Mobile Deposit process you will select from the accounts you requested to view during enrollment.

Can I use Mobile Deposit from different mobile devices?

Yes, if you have downloaded the MSB mobile app to multiple devices, you can enable Mobile Deposit from any of those devices.

How long does it take to upload a deposit?

This will depend on your network connection. Most deposits take 5 to 30 seconds to upload.

I think I lost my phone. Now what?

You can disable your Mobile Banking and Mobile Deposit at any time from your MSB Online Account>Options, or you may call us at 1-866-416-9302 during normal business hours.

How secure is Mobile Banking?

MSB Mobile Banking is as secure as a vault. With multiple layers of authentication, you'll never have to worry about the wrong people getting your information. A personal password and phone activation code keep your information safe.

Who should I call with mobile deposit questions?

For assistance with Mobile Deposit, please contact Customer Service Department at 1-866-416-9302 during normal business hours.

What if I would like to add or delete an account from mobile deposit?

You can simply log into your Online Banking account, click on the Options tab and scroll down to "Manage Devices" in the Mobile Banking section. This screen will allow you to add a device or stop using a current device.

Why does my mobile deposit listing on the Transaction page state "Pending"?

All deposits are reviewed and verified prior to being processed. The deposit will show as "Pending" until the verification phase is completed during normal business hours.