How it Works

Access your Deerwood Bank accounts from your smartphone or tablet. It’s free, easy and secure, perfect for the multi-tasker in all of us. Check your balances, transfer funds, pay your bills, make a deposit, even find the nearest ATM from the comfort of your smartphone or tablet. Need help getting started? You’ve come to the right place.

Mobile Deposit

With Mobile Deposit you can make deposits by simply taking a picture of your check with your smartphone or tablet using our secure Mobile Banking app. Mobile Deposit is available FREE within the Deerwood Bank Mobile App on your mobile device. Here’s how it works:

  1. Log into your Deerwood Bank Mobile app.
  2. Within the Menu, click on Mobile Deposit.
  3. Choose the account where you want to deposit your check and enter the check amount.
  4. Take a picture of the front and back of your endorsed* check using your mobile device.
  5. Select “Make Deposit.”

Within seconds you’ll see confirmation that the deposit was received, safely and securely. It’s that fast, and that easy!

*Please note failure to properly endorse the Mobile Deposit item may result in rejection of the deposit. Be sure to sign and clearly print “For Mobile Deposit Deerwood Bank” on the back of the check before submitting. 


iPhone/iPad/iPod Touch

Using your Apple Device, go to the App Store and search for Deerwood Bank. The free app is displayed, along with an install button. Just touch the install button to automatically download the Deerwood Bank mobile app.

You will be prompted to enter your Apple ID, an account used to download apps whether they’re free or not, or purchase items from the Apple Store or iTunes. If you haven’t done this before, you’ll need to create an account with Apple. It’s simple; just remember your password to download more apps in the future.

(Hint: It’s probably at least eight characters long including one capital letter and one number.)

Android phone/tablet

Using your Android phone or tablet, navigate to the Android Market. Search for Deerwood Bank. The app is displayed, along with a FREE button. Press the button to automatically download the mobile banking app. If you don’t already have a Google account, you may be prompted to set one up.

Note: Please update the Android System WebView app in the Play Store if you encounter blank screens during login. 


Frequently Asked Questions

Q: How do I access Deerwood Bank Mobile Banking?

In order to access Deerwood Bank Mobile Banking, you will need to have registered your security settings by accessing your Deerwood Bank accounts at least once through our Online Banking access. You will also need a mobile device with an Internet connection. Simply enter the Deerwood Bank Mobile Banking URL — — into the browser of your Internet-enabled mobile device and then log in using your Deerwood Bank Online Banking Account Number/User ID and Password/PIN.

Q: Who is Deerwood Bank’s Mobile Banking provider?

MShift powers Deerwood Bank Mobile Banking. For more information on MShift, visit their web site at

Q: Which mobile devices are supported for Deerwood Bank Mobile Banking?

You can access Deerwood Bank Mobile Banking from any Internet-enabled mobile device including iPhones and iPod Touches, Android phones, RIM BlackBerry phones, Palm Pres and Treos, Windows Mobile devices, and Internet-enabled flip phones.

It is recommended to add Touch ID or Passcodes to all your mobile devices.

Q: How does Deerwood Bank Mobile Banking handle security?

Deerwood Bank Mobile Banking is encrypted using the Wireless Transport Layer Security (WTLS) protocol, which provides the highest level of security available today. Additionally, all data that passes between the wireless gateway, MShift’s servers, and Deerwood Bank’s web servers is encrypted using Secure Socket Layer (SSL) certificates.

It is recommended to add Touch ID or Passcodes to all your mobile devices.

Q: Is there a fee to use Deerwood Bank Mobile Banking?

No. Deerwood Bank Mobile Banking is free of charge. 

Standard messaging and data rates may apply. 

Q: What happens if I get locked out of Deerwood Bank Mobile Banking?

As with Deerwood Bank Online Banking, you must call Deerwood Bank Customer Service Center to reset your password. Once your password is reset, you must first specify your new password on Deerwood Bank Online Banking via your PC. For security reasons, you may not specify your new password on Deerwood Bank Mobile Banking. Once your password is set up on your PC, you may use your User ID and password to immediately log in to Deerwood Bank Mobile Banking.

Q: What banking services are included in Deerwood Bank Mobile Banking?

Deerwood Bank Mobile Banking includes the following Online Banking services:

  • View Account Balance and Details
  • View Account Transaction History
  • Transfer Funds
  • View Check Images
  • View Pending Bill Payments
  • Cancel Pending Bill Payments
  • View Bill Payment History
Q: Can I use Deerwood Bank Mobile Banking if I don’t have a Deerwood Bank account?

No. You must have an account with Deerwood Bank.

Q: I know I am entering my login information correctly, but I can’t log in.

There may be one of several things that are occurring with your Online Banking account

  • Online Banking may be down. This can be confirmed by logging into to verify.
  • MultiFactor Authentication (MFA) challenge questions may not have been set up on your account. Please go to Online Banking and set that up.
Q: What do I do with the check after I submit the deposit?

Once the deposit is successful, retain and keep in a safe place for 14 days, then destroy.

Q: Will I receive an email confirming the receipt of the deposit?

You will only receive an email confirmation if the original deposit was marked ‘Deposit Pending’.

Q: Is the mobile deposit process safe?

Yes, our app uses secure and encrypted SSL technology to ensure the check images are only seen by those authorized to process your deposit.

It is recommended to add Touch ID or Passcodes to all your mobile devices.

Q: What do I do if the app is not working correctly?

If the app is not operating correctly it is likely because of a temporary network problem. Please try again in a few hours. If it continues to not operate correctly please call us at 800-291-6597.

Q: Is there a charge for using Mobile Deposit?

No! Mobile Deposit is 100% free to our customers.

Q: When will I see my deposit in my account?

Your will be able to view your deposit after we have completed our end of day processing. Deposits made after 6pm CST will post to your account the following business day.

Q: Why can’t I see the first few transactions of my account history?

Due to the screen size on the mobile phone, only a limited amount of information can be displayed. Some mobile phones take you to the middle or bottom of a new page instead of the top. To make sure you are at the top of the page, use the up arrow key on the phone to scroll all the way to the top of the page.

Q: Is my banking information saved on my phone?

No information is saved on your phone. Deerwood Bank Mobile Banking does not store cookies on your phone, and no data is saved in permanent memory on your phone. All information you see is session-related, so logging off Mobile Banking will remove any access to the pages you have been viewing. For additional protection, you may wish to clear the cache of your phone browser.

It is recommended to add Touch ID or Passcodes to all your mobile devices.

Q: When I use the Back button on my browser, weird things happen, like a blank page coming up or the previous page with error messages.

Never use the browser’s Back button on a phone with Mobile Banking, especially after a page where you have entered information and pressed Submit or Continue. Use the links, tabs, or back button within mobile banking to navigate through the pages.

Q: I can’t log in with the Mobile Banking application that came with my phone.

There are several generic applications that claim that they can provide logins to your account. There is no guarantee that any of those will work or have reliable features. Deerwood Bank’s official Mobile Banking solution is found by entering “ ” into your phone’s browser, not by using an application supplied by your carrier or a third party.

Q: Is there a way that I can get an icon for Mobile Banking on my iPhone?

Go to on your iPhone web browser. When Mobile Banking is on the page, press the “+” button at the bottom of the browser, and press the “Add to Home Screen” button. A screen will appear with the icon to be put on your iPhone and a title that you can modify. Press “Add” when you are done, and that icon and title will be on your iPhone.

It is recommended to add Touch ID or Passcodes to all your mobile devices.

Q: I’m sure I am typing in the right characters. Or am I?

iPhones automatically capitalize the first character you type in a text field. That is seen by the shift button on the left side of your keyboard is highlighted. You can force the character to be the lower case by pressing the shift button once so it is not highlighted.

Q: I downloaded the Android app but it will not run on my Android 1.x phone.

The Android app for Deerwood Bank Mobile Banking is only supported for phones using the Android 2.0+ operating system. Please ask your carrier about uploading the latest OS to your Android phone.