Personal Mobile Check Deposit

Skip that trip to the bank and deposit checks using your mobile device.

Personal Mobile Check Deposit offers customers with our Mobile Banking app the ability to deposit checks by simply taking a photo of the front and back with their mobile device.1


  • Simple enrollment process. Sign‐up in Heritage Oaks Bank's online banking service or mobile banking app.
  • No additional fee to use the service.
  • Deposits made before 3 p.m. on a business day will be available the next business day.
  • Make deposits into your Heritage Oaks Bank checking, money market or savings account.
  • Review the status of your deposited checks anytime in Online Banking.


  • Deposit up to 10 checks per day or $7,500 in total deposits. The maximum amount per check is $2,500.
  • In a 25 business day time period, you can deposit up to 25 checks or $12,500 in total deposits.

And get the most from Online Banking:

  • Sign‐up for free Online Bill Pay2 and pay bills at your convenience.
  • Create text or email alerts to let you know when your account balance is low or when transfers are made. There are dozens of account alert options available.
  • Go paperless and receive your monthly statement electronically. We'll send you an email as soon as it's ready.

For more information, please refer to the Mobile Check Deposit Quick Reference Guide

  • 1 Mobile Check Deposits are subject to verification and not available for immediate withdrawal.
  • Wireless carrier fees may apply.
  • Requires at least a 2‐megapixel camera devices.

  • 2 Fee may apply for expedited check and ACH requests.