If mobile check load is available in your program, you can deposit checks on the go using our mobile app. We accept most check types, including personal, payroll, and government checks.
To get started, log on to the app, navigate to the Deposit menu, and choose Deposit Checks. Your check will be reviewed by our partner Ingo® Money, and a third-party fee will be deducted from the check amount if you choose to receive your money within minutes. There is no fee to receive your funds within 10 days. Please refer to your Cardholder Agreement for details.
Please note that mobile check load is only available to primary cardholders of an smiONE card account in certain programs. Secondary cardholders are not eligible. See your Cardholder Agreement for complete details.
Ingo Money is a service provided by Ingo Money, Inc. and First Century Bank, National Association, Member FDIC, subject to Ingo Money and First Century Bank Terms & Conditions and Privacy Policy. Approval review usually takes 3-5 minutes, but may take up to one hour. All checks are subject to approval for funding in Ingo Money’s sole discretion. Unapproved checks will not be loaded to your card. Ingo Money reserves the right to recover funds from bad checks if you knew the check was bad when you submitted it, if you attempt to cash or deposit it elsewhere after funding or if you otherwise act illegally or fraudulently. Fees may apply for loading or use of your card. See your Cardholder Agreement for details.
