Mobile_Banking

Freedom Banking: Frequently Asked Questions

Listed below are some questions and answers concerning Freedom Banking, American Trust Bank's Mobile Deposit App.  Click on any of the questions listed below to find the answer.  

If you do not have what you are looking for, please feel free to call us at (865) 824-5700.  

  1. What is Freedom Banking?
  2. Do deposits process on the same day?
  3. Will Freedom Banking work on any Smartphone?
  4. How do I enroll to deposit checks with my Smartphone?
  5. How do I install the app on my Smartphone?
  6. How do I make a deposit using Freedom Banking?
  7. Any tips for taking good check photos?
  8. Do I need to use a deposit slip?  Do I need to endorse the check?
  9. How do I know the picture I’ve taken is acceptable?
  10. What do I do with the check after it’s deposited?
  11. Will I be able to review the deposits I’ve made?
  12. How do I know American Trust Bank has received my deposit?
  13. What if I accidentally deposit the same check twice?
  14. How secure is Freedom Banking?
  15. I've forgotten my User ID or password. What do I do?

 

What is Freedom Banking?  Freedom Banking is American Trust Bank’s Mobile Banking Application (App).  With this mobile app, customers can access their bank accounts and securely deposit checks using the camera on their Smartphone, 24 hours a day, even weekends and holidays.

Do deposits process on the same day?  Deposits received by 8pm Eastern Time are processed that business day.  Weekend or holiday deposits will be processed the next business day.

Will Freedom Banking work on any Smartphone?  Freedom Banking works on most iPhones and Android (Droid) Smartphones.

iPhones must:

  • Be 3G, 4 or 4S
  • Have OS 4.1 or higher

Androids must have:

  • OS 2.1.1 or higher
  • Camera 2.0 megapixels or higher

How do I enroll to deposit checks with my Smartphone?  To access the application, click here or go to https://www.atbanktn.com/remote-deposit-anywhere-app1.htm.  Follow the prompts to complete the application.  Once the application is completed, you will be notified in a timely manner where or not you are approved.

How do I install the app on my Smartphone?

  • For iPhones, search for “American Trust Bank” or “Freedom Banking” in the App Store and follow the instructions
  • For Android users, search for “American Trust Bank” or “Freedom Banking” and follow the instructions 

How do I make a deposit using Freedom Banking?

  • Launch the app, log in, and choose “Deposits”
  • Take a picture of the front of the check
  • Take a picture of the back of the check
  • Enter the amount of the check
  • Select the account that will accept the deposit
  • When the images have been reviewed and uploaded, you will receive confirmation that the deposit has been submitted

Any tips for taking good check photos?

  • Ensure the check is well-lit
  • Place the check on a dark, non-reflective background
  • Remove other objects from the frame
  • Make sure all four corners of the check are captured in the picture.
  • Move back a few inches if the image is blurry
  • Position the camera directly above the check
  • Turn off the flash if you are still having trouble

Do I need to use a deposit slip?  Do I need to endorse the check?  There is no need for any deposit slips.  Just endorse the back of the check by writing “For Deposit Only, American Trust Bank” and sign your name. 

How do I know the picture I’ve taken is acceptable?  Freedom Banking automatically reviews the images to be sure the check is filled out completely and that all fields are legible.  If there’s a problem with the images, after a few seconds, a pop-up message will alert you to re-take the photo and submit the image again.

What do I do with the check after it’s deposited?  Securely store the paper check until you see the deposit in account via Internet Banking or on your statement.  Then write “ELECTRONICALLY PROCESSED” or “VOID” on the face of the check.  Customers must securely retain all original checks for 90 days.  Once the 90 day retention period has passed you may destroy the check(s) (e.g. shred).

Will I be able to review the deposits I’ve made?  Yes, you can review your deposits and see the images you’ve submitted on the app’s "Review Deposit" section.

How do I know American Trust Bank has received my deposit?  The upload confirmation screen means your deposit has been received for processing.  You’ll also see your deposit in Internet Banking or on your statement once it’s been processed.  You will also receive an email from the Bank stating the status of the deposit. 

What if I accidentally deposit the same check twice?  Any check can only be accepted for deposit one time.  Freedom Banking has a built-in duplicate detection tool that alerts you if you attempt to deposit an item twice. To avoid any confusion, write “ELECTRONICALLY PROCESSED” or “VOID” on each check after it is posted to your account.  There is also a duplicate presentment charge of $10 if any item is processed twice.

If you are concerned about a deposit you have submitted, please contact us immediately at 865-824-5700.

How secure is Freedom Banking?  Freedom Banking features multiple layers of security, including password protection and the SSL (Secure Sockets Layer) communication protocol, which employs 256-bit encryption — the same security used for Internet Banking.

I’ve forgotten my User ID or password. What do I do?  Please call 865-824-5700 to request a User ID reminder or reset your password.  Remember that User IDs and passwords are case sensitive.