Mobile Banking

Mobile Deposit

Sign. Snap. Deposit.

With Mobile Deposit, you can deposit your checks at your convenience, whether you’re out and about or relaxing at home.

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Learn how to make a mobile deposit

Sign, Snap and Deposit

Making a deposit can be done in a few simple steps:

    1. Add "For BOH Mobile Deposit Only" and sign the back of your check.

    2. Snap pictures of the front and back of your check.

    3. Select your deposit account and enter the amount.

    4. Send your deposit.

Once you receive an email confirmation that your deposit was "Approved," you may go ahead and destroy the check.

Mobile Deposits limits

  • Standard Limits per Customer: $5,000 per rolling 5 business days.

  • For customers of The Private Bank, Limits per Customer: $25,000 per day, $50,000 per rolling 5 business days.+

+For customers with an established Private Banking relationship. The increase to the Private Banking Limit may take up to 5 business days following the first successful Mobile Deposit, to take effect. At any time should the Private Banking relationship be terminated, the standard limits in effect at the time of termination will be restored.

Security is a top priority

Requirements & Restrictions

  • Your deposit will generally be available on the next business day after the day of your deposit.

  • Same day deposits must be made by 4 PM Hawaii Standard Time, 12 PM Chamorro Time and 11 AM Palau Time on a business day. A business day is Monday through Friday except U.S. Federal holidays.

  • Device must have a rear-facing camera with auto focus to use Mobile Deposit service.

Questions?

What types of checks can I deposit with Mobile Deposit?

Consumer customers: We will accept original checks payable solely to you.

Business customers: We will accept original checks payable solely to the Business Name. The Business Name and the name of the Business deposit account must be the same*.

For example, a check payable to: Aloha Ocean, LLC depositing to the business deposit account for: Aloha Ocean, LLC dba Ocean Fun would be accepted. Checks payable to the dba name would also be accepted when the dba name is listed on the deposit account.

You should not use Mobile Deposit to deposit the following items:

  • Checks payable to others (even if endorsed over to you)
  • Demand drafts
  • Substitute checks (i.e. paper checks created from an electronic image)
  • Checks that are irregular in any way (e.g. where the numerical and written (legal) amounts are different)
  • Checks that have previously been returned unpaid for any reason
  • Checks drawn on a foreign bank or payable in a foreign currency
  • Registered government warrants
  • Travelers Checks, Money Orders or Postal Orders
  • Checks suspected to be fraudulent or not properly authorized
  • Checks that exceed the maximum daily aggregate limit

Who is eligible for Mobile Deposit?

All mobile banking customers with deposit accounts are eligible for Mobile Deposit.

Are there limits on the dollar amount and the number of deposits I can submit?

Business and Consumer customers may deposit up to $5,000 per rolling 5 business days.

Customers of The Private Bank may deposit up to $25,000 per day and up to $50,000 per rolling 5 day business days.

There is no limit on the number of checks submitted provided the amounts meet the requirements above.

When do my funds become available for use?

If your deposit was made prior to the service cut-off time shown below on a bank business day, your deposit will generally be available for use on the next business day.

  • 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)

Please note: A business day is Monday through Friday except U.S. federal holidays. To see if your funds are available, please review your account balances in e-Bankoh Online Banking or via the BOH Mobile Banking app.

How do I endorse my check for Mobile Deposit?

Indicate "For BOH Mobile Deposit Only" and sign the back of your check. Standard ink (gel or ball point pen) should be used to make the endorsement.

Please note: Thick ink pens (e.g., permanent markers and highlighters) are un-readable by our system and will reflect as a missing endorsement.

What types of checks can I deposit with Mobile Deposit?

Consumer customers: We will accept original checks payable solely to you.

Business customers: We will accept original checks payable solely to the Business Name. The Business Name and the name of the Business deposit account must be the same*.

For example, a check payable to: Aloha Ocean, LLC depositing to the business deposit account for: Aloha Ocean, LLC dba Ocean Fun would be accepted. Checks payable to the dba name would also be accepted when the dba name is listed on the deposit account.

You should not use Mobile Deposit to deposit the following items:

  • Checks payable to others (even if endorsed over to you)
  • Demand drafts
  • Substitute checks (i.e. paper checks created from an electronic image)
  • Checks that are irregular in any way (e.g. where the numerical and written (legal) amounts are different)
  • Checks that have previously been returned unpaid for any reason
  • Checks drawn on a foreign bank or payable in a foreign currency
  • Registered government warrants
  • Travelers Checks, Money Orders or Postal Orders
  • Checks suspected to be fraudulent or not properly authorized
  • Checks that exceed the maximum daily aggregate limit

Who is eligible for Mobile Deposit?

All mobile banking customers with deposit accounts are eligible for Mobile Deposit.

Are there limits on the dollar amount and the number of deposits I can submit?

Business and Consumer customers may deposit up to $5,000 per rolling 5 business days.

Customers of The Private Bank may deposit up to $25,000 per day and up to $50,000 per rolling 5 day business days.

There is no limit on the number of checks submitted provided the amounts meet the requirements above.

When do my funds become available for use?

If your deposit was made prior to the service cut-off time shown below on a bank business day, your deposit will generally be available for use on the next business day.

  • 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)

Please note: A business day is Monday through Friday except U.S. federal holidays. To see if your funds are available, please review your account balances in e-Bankoh Online Banking or via the BOH Mobile Banking app.

How do I endorse my check for Mobile Deposit?

Indicate "For BOH Mobile Deposit Only" and sign the back of your check. Standard ink (gel or ball point pen) should be used to make the endorsement.

Please note: Thick ink pens (e.g., permanent markers and highlighters) are un-readable by our system and will reflect as a missing endorsement.

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