Mobile Banking FAQ

Mobile Deposit

  1. What is Mobile Deposit?

    Mobile Deposit is a safe and secure way to make a deposit to your First Bank & Trust checking or savings account from your mobile phone or flatbed scanner – anytime, anywhere. Mobile Deposit will save you a trip to the bank!

  2. What kind of device can I use?

    Any Android™ smartphone, iPhone®, or TWAIN or WIA driver-compatible flatbed scanner can be used with Mobile Deposit.

  3. Can I use my iPad® or tablet for Mobile Deposit?

    No, the First Bank & Trust iPad Mobile App does not include Mobile Deposit functionality. At this time, we do not have Mobile Deposit available for any tablet device.

  4. Who is eligible to use Mobile Deposit?

    Any First Bank & Trust Online Banking customer is eligible to use Mobile Deposit.

  5. Is there a fee to use Mobile Deposit?

    Yes. You will be charged $0.50 per check for deposits utilizing the Mobile App, and $0.50 per deposit for deposits utilizing a flatbed scanner.

  6. How can I start using Mobile Deposit?

    To get started, enroll in Mobile Deposit. If using your smartphone, go to m.bankeasy.com and click on the 'Enroll in Mobile Deposit' link. Please allow at least 1 business day for the service to be activated.

    Please note: Mobile Deposit is a function within First Bank & Trust’s Mobile Banking. Android smartphone users and iPhone users will need to download the Mobile App and complete the enrollment process when prompted. All Online Banking customers can use Mobile Deposit with a flatbed scanner.

  7. How do I use Mobile Deposit?

    For an iPhone, log in to our Mobile App then choose ‘More’ and ‘Deposit.’ For an Android smartphone, log in to our Mobile Banking App then choose ‘Deposit.’  You will be prompted to take a picture of the front and back of the check, type the dollar amount to deposit and choose the account where you want it deposited.

    For a flatbed scanner, log in to Online Banking then choose the Mobile Deposit tab. If this is your first mobile deposit, you will be prompted to download the appropriate scanner driver. Once the scanner driver is successfully downloaded, simply scan the front and back of the check, type the dollar amount to deposit and choose the account where you want it deposited.

  8. What types of accounts can I deposit into?

    Deposit into any checking, savings or money market account tied to your Online Banking.

  9. Is there a limit to the number of checks I can deposit?

    Yes, 25 checks per day or month, whichever happens first, is the maximum number of checks that can be deposited with Mobile Deposit.

  10. Is there a maximum dollar amount for Mobile Deposit?

    Yes, $5,000.00 per day or month, whichever happens first, is the dollar limit for Mobile Deposit.

  11. What should I do with the paper check after depositing?

    Securely store the paper check for 90 days after the date of deposit. After the 90 days, please shred the check.

  12. When will I have access to the funds deposited?

    If the deposit is submitted before 5 pm, you generally will have access to use those funds the next business day.

  13. Should I endorse the check before depositing?

    Yes, the check must be endorsed in order for the deposit to be accepted.

  14. Can I un-enroll from Mobile Deposit?

    Yes! Simply contact your banker or call us at 800.843.1552.

  15. Can I add or remove an account from Mobile Deposit?

    Yes! Simply contact your banker or call us at 800.843.1552.

  16. How will I know if there was a problem with my mobile deposit?

    You will receive an email notification indicating whether the deposit was successful or not.


Mobile App and Mobile Website

  1. What are the restrictions on the type of mobile devices that can be used to access accounts?

    • Web Mobile Banking requires a web-enabled mobile device whose network allows secure SSL traffic. Only iPhone® and Android™ users can access the Mobile Banking apps.
  2. What functions can I perform from my mobile device?

    • View Transaction History
    • View Account Balances
    • Transfer Funds1
    • Pay Bills to Existing Payees
    • View Alerts
    • Find Branch and ATM Locations
  3. How do I access mobile banking?

    • iPhone and Android users can download an app. Launch the App StoreSM or Google Play on your mobile device, then search for “BANKeasy” (no spaces). Or, to be taken directly to the app, click one of the buttons below.2

    First Bank & Trust Mobile Banking - First Bank & Trust (SD)      Android app on Google Play

    All other web-enabled phones can access mobile banking through m.bankeasy.com.

  4. How do I know if my transfer or bill payment was entered successfully?

    • If you have opted to Receive Text Message Alerts in your Mobile Settings on Online Banking, each time you make a transfer or bill payment, a confirmation text message will be sent to your mobile phone. If you do not receive a confirmation text message, double check to make sure the transaction went through.
  5. What if I no longer want to be a mobile user?

    • Log in to Online Banking, select Options > Mobile Settings > deselect Enable web access for your mobile device > click Submit.
  6. What happens if I lose my mobile device?

    • Since your account data is not stored on your mobile device, your information cannot be stolen. When you replace your mobile device, simply edit your Mobile Settings and make any changes to the Wireless Provider and/or Phone Number.
  7. Why can’t I add a new payee?

    • Functionality is limited to sending payments to already established payees. To add a new payee, log in to Online Banking from a computer, select Bill Payment and Add Payee. You can then submit payments to that payee via your mobile device.
  8. What happens if I lose communication/signal during a transaction?

    • If you have opted to Receive Text Message Alerts in your Mobile Settings on Online Banking, when you complete a transaction from your mobile device (bill payment, funds transfer, etc.) you will receive a text message as confirmation that the transaction was successful. If you do not receive this message due to a dropped call or lost signal, check your accounts and re-submit any transactions that did not process.
  9. What do I need to do if I get a new phone?

    • If you get a new phone, but are using the same phone number and provider, no changes on your part are necessary. If you switch providers and/or phone numbers, log into your Online Banking account from a computer and update your information on the Options > Mobile Settings page. You will not receive a text message regarding mobile banking transactions if your phone number is not correct.
  10. How do I search for a transaction?

    • You will only be able to view 15 days worth of transaction history on your mobile device. There is not a search function.
  11. Can I use any mobile device to access my accounts?

    • Yes. You can access your accounts via any mobile device that is web-enabled and allows secure SSL traffic. Please note that text messages will be sent to the phone number entered when enrolling with mobile banking.
  12. How do I delete a bill payment that I set up through my mobile device?

    • You must log into Online Banking from a computer and delete the payment from the main menu of the bill payment section.
  13. When I try to enter an amount for a bill payment or transfer, I can’t enter any numbers, only letters. Why?

    • Check your phone’s settings to make sure your do not have Alpha-only enabled on the keypad.
  14. What if I can’t get my mobile device to work with Online Banking?

    • There are a number of reasons that you may experience trouble accessing the mobile version of Online Banking on your phone. To use the mobile version, your phone will need to meet the following minimum requirements:

           1. You must first enroll through traditional Online Banking before you can gain access.
           2. Your mobile device must be web-enabled.
           3. Your mobile network must allow secure SSL traffic. (You may need to contact your mobile provider to
               determine this.)

      If your phone meets these requirements and you continue to experience problems, the mobile version may not be compatible with your phone’s browser. An interim solution would be to try downloading another browser such as Opera Mini (http://www.operamini.com), which provides good support to a number of mobile applications.
  15. Who do I contact if I am experiencing issues with mobile banking?

    • Please call us at 800.843.1552 to report the issue you are experiencing.

Text Banking

  1. What are the restrictions on the type of mobile devices that can be used to access accounts?

    • Text mobile banking simply requires a cell phone that allows texting.
  2. What functions can I perform from my mobile device?

    • View Account Balances
    • View Account History
    • Un-enroll from Text Mobile Banking
  3. What if I no longer want to be a mobile user?

    • Text STOP to un-enroll all accounts.
  4. What happens if I lose my mobile device?

    • To ensure your security, it is best to log into online banking from a computer and un-enroll your mobile device as soon as possible. When you replace your mobile device, you can re-enroll.
  5. What do I need to do if I get a new phone?

    • If you get a new phone, but are using the same phone number and provider, no changes on your part are necessary. If you switch providers and/or phone numbers, log into your Online Banking account from a computer and update your information on the Options > Mobile Settings page.
  6. How can I search for a transaction?

    • You will only be able to view 15 days' worth of transaction history on your mobile device. There is not a search feature.
  7. Can I use any mobile device to access my accounts?

    • No, you must use the mobile device enrolled with Text Mobile Banking.
  8. Who do I contact if I am experiencing issues with mobile banking?

    • Please call us at 800.843.1552 to report the issue you are experiencing.

1Consumer funds may only be transferred between accounts within the bank.

2The links will take you to the application store for your phone, which has its own privacy and information security policies. 

We do not charge a fee for Mobile Banking. However, please be aware that standard messaging and data rates from your cell phone provider may apply.

iPhone is a trademark 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.

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