Hawaii, U.S. Mainland and Canada
Guam and Saipan
In American Samoa
Customers with consumer deposit accounts, excluding American Samoa, are eligible for Mobile Deposit. Accounts must also have been opened for 30 days and determined to be in good standing.
For Business Customers: Mobile Deposit is only available to our consumer customers. We will continue to evaluate product offerings for business clients and will notify these customers as products become available to them.
We will accept original checks payable solely to you. You should not use Mobile Deposit to deposit remotely created checks, substitute checks, checks that are postdated or more than 6 months old, as well as checks drawn on a foreign bank or payable in a foreign country.
For complete check requirements and a list of checks not permitted, please refer to the e-Bankoh Consumer Agreement and Disclosure Statement found here: https://www.boh.com/customer-service/800.asp.
You may deposit up to $2,500 per check, up to $2,500 per day, and up to $5,000 per 20 business day period. Private Banking customers may deposit up to $25,000 per check, up to $25,000 per day, and up to $50,000 per rolling 20 day business period. There is no limit on the number of checks you submit provided the amounts meet the requirements above.
If your deposit was made prior to the Service cut-off time shown below on a business day, up to $1,000 of your deposit will be available for use on the next business day. Any remaining funds over $1,000 become available after the 2nd business day. For example, if your deposit was made on a Wednesday before 4:00 pm in Hawaii, up to $1,000 of your deposit will be available on Thursday and any amounts over $1,000 will be available on Friday. To determine if your funds are indeed available, please review your account balances in e-Bankoh Online Banking or via your Mobile App.
State of Hawaii – 4:00 p.m. Hawaii Standard Time (HST)
Guam and Saipan – 12:00 noon. Chamorro Time (ChST)
Palau – 11:00 a.m. Palau Time (PWT)
Accounts opened for a minimum of 30 days and determined to be in good standing are eligible for Mobile Deposit.
New e-Bankoh customers will be able to use Mobile Deposit provided their deposit accounts have been opened for a minimum of 30 days and are determined to be in good standing.
Yes. During the deposit process, you will be required to photograph both the front and the back of your check.
After clicking on the camera icon to take the picture, the icon will change to a check mark. If you are satisfied with the image you have taken, simply click on the check mark. If you’d like to retake the image, click on the refresh button (circular arrow) in the bottom right corner of the screen. This will allow you to retake the picture.
You must sign the back of our check and should add
You may only photograph one check per deposit.
If the image quality is not good enough (blurry or not centered), you will see instructions on screen to retake the image. Once quality images of both the front and the back of the check are taken, the app will allow you to complete the deposit process.
Mobile Deposit is only accessible via the Bank of Hawaii Mobile Banking App, available for download on iPhone®, iPad®, and AndroidTM devices including the Kindle Fire HDTM. AndroidTM tablets require rear-facing cameras with auto focus in order to use the mobile deposit service. For a full list of system requirements related to Mobile Banking, please visit www.boh.com/ebankoh/system-requirements.asp.
Mobile devices must have an appropriate data plan that allows the transmission of data over the internet. For a full list of system requirements related to Mobile Banking, please visit www.boh.com/ebankoh/system-requirements.asp.
Either the email address you provided during your Mobile Deposit transaction was incorrect or your email service provider may be blocking emails from e-Bankoh-Mobile@boh.com. To verify the address entered during your last Mobile Deposit, sign on to your Mobile Banking App and click “Check Deposit." The email address previously entered will pre-populate.
The processing speed is dependent upon your device, carrier, device memory, and current connection.
The mobile app conducts a preliminary quality review of your check. Sometimes checks with a non-standard format are interpreted as ineligible. This may include, undersized checks, oversized checks, rebate checks, some counter checks, etc. Ineligible checks may be deposited at a branch or at an ATM that accepts deposits.
It is also possible that the type of check that you are trying to deposit is not permitted for use with this service. For a full list of checks that are not permitted, please refer to the e-Bankoh Consumer Agreement and Disclosure Statement found here: https://www.boh.com/customer-service/800.asp. These checks may also be deposited at a branch or deposit-accepting ATM.
It is possible that your first attempt at the deposit was transmitted before the error message presented. Before attempting the deposit again, please review your list of recent deposits by signing on to your Mobile Banking App and clicking “Check Deposit.” If the item appears within this list, please do not resubmit the item for deposit. Your deposit has been submitted and you will receive a confirmation email stating that your check has been received. However, if the item does not appear on the recent list, please resubmit the item.
Once you submit a deposit, we will provide you an email confirmation informing you that the deposit was received. After it has been processed, you will receive a second email letting you know if the deposit was “approved” or “declined” (a declined reason will always be provided).
To determine if your funds are indeed available, please review your account balances in e-Bankoh Online Banking or via your Mobile App.
Once you receive confirmation that your deposit was “Approved” you may go ahead and destroy the check. Please be aware that the email confirming that your deposit was "Received" is not confirmation of "Approval." Please wait for the confirmation that your deposit was "Approved" before destroying the check. You can confirm approval in several ways:
Deposits made with Mobile Deposit are available to view within the Mobile Banking app for 30 days.
The “Recent” list displays all your recent deposits. Each deposit will be labeled with SUBMITTED, APPROVED, or DECLINED. Transaction history only displays Approved deposits.
Submitted means your deposit has been received and is undergoing review. Approved means your deposit has been accepted and you can destroy the original check. Declined means the deposit has been rejected. Please review the email that was sent to you for more details or you may deposit the check at any branch or deposit-accepting ATM.
Deposits are not always processed in the same order in which they were submitted and you may not necessarily receive approval or declination in the same order. If your deposit was made by 4 PM Hawaii Standard Time on a business day, you will receive notification that your deposit was approved or declined that day. If your deposit was made after 4 PM Hawaii Standard Time or on a non-business day, you will receive notification that your deposit was approved or declined the next business day.