Mobile FAQs

Mobile FAQs

 

1. What is Mobile Banking?
Sunflower Bank’s Mobile Banking experience allows users the convenience to view account history, transfer funds, pay bills, and deposit checks from compatible mobile devices.

2. Is Mobile Banking secure?
Sunflower Bank is committed to protecting the privacy and security of your personal and financial information. When using Mobile Banking, your information is not saved and is protected with high levels of data encryption. Please visit our Ideas and Insights page, and select Security Center from the categories menu for helpful articles related to security.

3. Is there a fee to use Sunflower Bank’s Mobile Banking service?
Sunflower Bank’s Mobile Banking service is available at no cost to personal Sunflower Bank account holders. Message, data rates and charges may apply from your mobile carrier. Please check with your mobile carrier for details. 

4. If I am new to online banking, do I have to enroll in Personal Online Banking in order to use the Mobile Banking app?
No. You can choose which service you prefer to manage your finances with, or both. If you want to bank online and not from a mobile device, please visit our website to register in Personal Online Banking. However, if you prefer to do your banking from a mobile device, simply download our Personal Mobile Banking app from the app store to your device (search for Sunflower Bank or First National 1870) and enroll. Once enrolled in either platform, your login credentials will provide you with access to both platforms. 

5. Can I change my online and mobile banking User ID?
Yes. You can change your online and mobile banking User ID at any time. Log in to either platform and select Profile. Next, click Profile Updates and then click User ID. As a best practice, use unique, complex User IDs and passwords when creating and updating your login credentials, incorporating a minimum of 8-26 characters, and a combination of letters and numerals. 
 
6. Can joint account holders both use Mobile Banking?
For security purposes, each account holder should maintain their own Personal Online and/or Mobile Banking account. This includes a unique User ID and Password per user.
 
7. When I transfer funds via Mobile Banking, when are they processed?
All transfers submitted internally between Sunflower Bank accounts after 9:00 p.m. (CT) / 8:00 p.m. (MT) may be processed the next business day.
 

Mobile App


8. What banking functions are available in the personal Mobile Banking App?
Our secure Mobile Banking App allows eligible customers to check balances, pay bills, transfer funds, view account history, make deposits and and more. 

9. How do I get started with the personal Mobile Banking App?
Review the Personal Mobile Banking User Guide for detailed instructions. Then visit the App Store appropriate to your device and search for the Sunflower Bank & First National 1870 mobile banking app.

10. Can I pay bills through the Mobile App?
Yes. Bill Payment is available in the personal Mobile Banking App.

11. Can I create Billers (payees) to view and pay in the personal Mobile Banking App?
Yes. After logging into the app, select the Bill Payments icon located at the bottom of the screen and select Add new biller.
 

Mobile Deposit

 
12. What is Sunflower Bank's Mobile Deposit service?
Mobile deposit is a feature of our personal Mobile Banking App. You can make deposits by simply taking a picture of the front and back of a check made payable to you and depositing it into your Sunflower Bank checking account, all using your mobile device. This feature is only available to eligible Sunflower Bank mobile banking customers who meet our standard service requirements and guidelines.

13. Who can use Sunflower Bank's Mobile Deposit service?
All consumer banking customers with valid Personal Online Banking credentials, an eligible Sunflower Bank personal deposit account and who have downloaded the Sunflower Bank App.
 
14. Are there guidelines to follow when submitting a check for Mobile Deposit?
Yes. There are guidelines and endorsement requirements when making a mobile deposit. 

Checks Eligible for Mobile Deposit:

  • You may deposit checks payable in U.S. dollars and drawn at any U.S. bank, including personal, business, and most government checks. All checks MUST be payable to the account holder/owner. Depositing of Third-Party checks is prohibited.

  • The following types of checks are not eligible for mobile deposit: international checks, U.S. savings bonds, U.S. postal money orders, remotely created checks (whether in paper form or electronically created), convenience checks (checks drawn against a line of credit). These items must be deposited in-person at a bank facility.

Endorsement Requirements:

  • All Checks MUST include the endorsement: FOR MOBILE DEPOSIT ONLY AT SUNFLOWER BANK, N.A. The bank may reject any items transmitted through Mobile Deposit that do not include the foregoing restrictive endorsement. The bank may reject any items transmitted through Mobile Deposit that do not include the foregoing restrictive endorsement.
 

15. Once I make a mobile deposit, when will my funds be available?
All deposits submitted to the Bank via Mobile Banking are subject to review before being considered final. A deposit submitted successfully via Mobile Banking does not mean the funds are immediately available for use. In general, funds from Mobile Banking deposits will be made available on the next Business Day, after the day of your deposit, unless a hold is applied. Funds from your check deposits submitted utilizing our Mobile Deposit Service before 6:00 p.m. CT will be available to you on the first business day after the business day we receive your deposits.  Deposits submitted between 6:00 p.m. CT and 8:00 p.m. CT may be processed and credited the next business day. This excludes weekends and Federal Holidays. Deposits transmitted after 8:00 PM Central Time will be processed on the following business day.

Special Rules for deposits made on December 24th: When December 24th occurs on a banking day (Monday through Friday) funds from your check deposits utilizing our Mobile Deposit Service before 12:00 p.m. CT will be available to you on the first business day after the business day we receive your deposits. Deposits submitted between 12:00 p.m. CT and 8:00 p.m. CT may be processed and credited the next business day.

16. What are the daily Mobile Deposit limits?
Limits vary and are different for existing customers and new customers. All limits described below are per checking account.

Existing Customers: An existing customer is defined as a current customer that is an account owner or authorized signer on an open and active checking account at Sunflower Bank.

EXISTING CUSTOMER LIMITS PER CHECKING ACCOUNT

AMOUNT/ITEMS

Dollar Item Limit (per deposited check)

$3,000

Dollar Daily Limit (per day)

$5,000

Item Count Limit (per day)

5 checks

New Customers: A new customer is a customer whose oldest open deposit account has been open less than 61 days.

NEW CUSTOMER LIMITS (1-30 Days) PER CHECKING ACCOUNT

AMOUNT/ITEMS

Dollar Item Limit (per deposited check)

$1,000

Dollar Daily Limit (per day)

$2,000

Item Count Limit (per day)

5 checks

NEW CUSTOMER LIMITS (31-60 Days) PER CHECKING ACCOUNT

AMOUNT/ITEMS

Dollar Item Limit (per deposited check)

$2,000

Dollar Daily Limit (per day)

$3,000

Item Count Limit (per day)

5 checks


17. After I make a mobile deposit, what should I do with the check?
After you submit a check for deposit, you should securely store the original check for a reasonable period, not to exceed thirty (30) days. After the thirty (30) day retention period expires, you should destroy the original check by shredding it or by any other permanent deletion manner that does not allow the original check to be accessed by an unauthorized person(s) and in a manner that the original check is no longer readable or capable of being reconstructed. After destruction of an original check, the image will be the sole evidence of the original check. 

18. How can I be sure my mobile deposit was successful?
Successful mobile deposits will appear in the mobile app deposit history. To view the history, select View Deposit History at the bottom of the mobile deposit page. As a reminder, a deposit that is submitted successfully does not mean the funds are immediately available to you. 

19. Why am I not able to make a mobile deposit to my account?
You may not be able to make deposits if you have not accepted the most current Online Banking Services Agreement, you’ve exceeded the daily mobile deposit limits, or your account is ineligible for the service. Please contact our Customer Care at 888.827.5564 with any questions.

General

 

20. Can I change my address and phone number when using Personal Online Banking and the Mobile Banking App?
Yes. Log in to Personal Online Banking or the Mobile Banking App. From the menu, select Profile > Profile Updates and then click Address and Phone Number. Update your personal information and click Update to confirm changes.

21. Who should I contact for help with Online and Mobile Banking? 
Please contact our Customer Care at 888.827.5564 or send an email to Customer Service for assistance.