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, locate branches and ATMs and deposit checks.

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 Security Center at www.sunflowerbank.com/security-center for helpful security information.

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 enrolled in Personal Online Banking. However, other charges such as standard bank fees applicable to your account or accounts may apply. For example, returned item fees or overdrafts. Consult the bank’s fee schedule and deposit agreement for details. In addition, your mobile phone service provider may charge for text messages and/or web access. Check your plan for details and/or ask your mobile provider.

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. With our new online banking experience, 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. Please note, your selected User ID and password will provide you with access to both platforms, if desired.

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.
 
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 PM (CT) / 8:00 PM (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 locate branches and ATMs. It is available for iPhone®, iPad® and Android™ devices.

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. The Bill Payment feature 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 checking account and who have downloaded the Sunflower Bank App for iPhone®, iPad® or Android™ can use the Sunflower Bank Mobile Deposit service.
 
14. Are there guidelines to follow when submitting a check for Mobile Deposit?
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.

15. What types of checks or items can I deposit via Mobile Deposit?
You may deposit checks made payable to you (account owner) to a personal checking account you have at Sunflower Bank. Checks must be payable in U.S. dollars and drawn on a U.S. financial institution. All checks deposited must be endorsed by the account holder.
You cannot deposit the following items:

  • U.S. savings bonds

  • Foreign items

  • Remotely created checks (paper or electronically created)

  • Traveler’s checks

  • Money orders

  • Rebate checks

  • Insurance checks

  • Third-party checks

  • Post-dated or stale dated checks

  • Checks not made payable to you (account owner)

  • Convenience checks drawn against a line of credit

16. Is there a daily or monthly limit on the number of checks I can deposit per checking account?
Yes. Mobile Deposits limits are based on your relationship with the bank and are subject to eligibility requirements.
A maximum number of five (5) checks may be deposited per business day, per eligible checking account.
A maximum of eight (8) checks may be deposited per calendar month, per eligible checking account.

  • Only one check may be deposited per transaction.

 
17. Once I make a mobile deposit, when will my funds be available?

  • All submitted mobile deposits are subject to review before considered final. A deposit submitted successfully does not mean the funds are immediately available for use.

  • In general, funds from mobile deposits will be made available on the next business day, after the day of your deposit, unless a hold is applied.

  • All submitted mobile deposits prior to 6:00 p.m. (CT) / 5:00 P.M. (MT) on a business day will be reviewed and processed the same business day.

  • Please keep in mind; we may delay availability of funds if further review of a deposit is required. Any information in regards to delayed availability will be communicated to you in writing.

 
18. What are the daily and monthly Mobile Deposit threshold 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. All eligible existing customers will be provided Sunflower Bank’s Mobile Deposit service. Ineligible existing customers will not be provided Mobile Deposit.

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

Dollar Monthly Limit

$15,000

Monthly Item Count Limit

8 checks

New Customers: A new customer is defined as a customer who opens a new checking account at Sunflower Bank. All eligible new customers and authorized signers placed on a new customer’s checking account will be provided Sunflower Bank’s Mobile Deposit service. Ineligible new customers will not be provided Mobile Deposit.

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

Dollar Monthly Limit

$5,000

Monthly Item Count Limit

8 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

Dollar Monthly Limit

$5,000

Monthly Item Count Limit

8 checks

At day 61, new customer limits will be increased as documented above for Existing Customer limits.

19. After I make a mobile deposit, what should I do with the check?
After you submit a check for deposit, we recommend writing “mobile deposit” and the “date of deposit” on the memo line located on the face of the check and then storing it in a safe place for a minimum of thirty (30) days after the date of deposit, in case the original check is required for any reason. When discarding financial records, it is a best practice to do so in a secure manner, such as shredding.

20. How can I be sure my mobile deposit was successful?
Successful mobile deposits will appear in the mobile app deposit history. Select View Deposit History.
As a reminder, a deposit that is submitted successfully does not mean the funds are immediately available to you. All Deposits are subject to review. Deposits can be rejected and/or holds may be placed on funds.

21. Why am I not able to make a mobile deposit to my account?
You may not be able to make deposits if your account is ineligible for Mobile Deposit or if you have not accepted the most current Personal Online and Mobile Banking Agreement. Accounts may not be eligible if daily or monthly deposit limits have been exceeded or other reasons.
Please contact our Customer Care at 888.827.5564 with any questions.

General


22. I lost my phone or my phone was stolen. What should I do?
Please contact Customer Care at 888.827.5564 and we can disable the service until you have a new phone up and running.

23. 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.

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