FAQs

Marblehead Bank’s mobile deposit is an easy way to electronically deposit checks from your iPhone® or Android™ device using the Marblehead Bank mobile banking app.

Mobile check deposit is free to Marblehead Bank customers.* Just download the Marblehead Bank mobile banking app to begin.

Check deposits made through the Marblehead Bank mobile banking app are protected according to the highest financial industry standards. Security features include password protection, internet firewalls, and encryption. Making a deposit with your phone is as safe as using Online Banking.

To use mobile deposit, you must be a current Marblehead Bank customer with a checking or savings account. You must also be enrolled in Online Banking and download the free Marblehead Bank mobile banking app. Before depositing your first check, read and accept the Mobile Banking Enrollment Terms & Conditions.

Making your first mobile check deposit is fast and easy. Download the Marblehead Bank mobile banking app for iPhone® or Android™ and you’re ready to go!

1. Sign in on the Marblehead Bank mobile banking app using your Online Banking user ID and password.
2. Choose “Deposit” from the navigation bar at the bottom of your screen.
3. Click the Deposit a Check button.
4. Enter the amount of your check.
5. Endorse the back of your check with “For Mobile Deposit only at Marblehead Bank” and add your signature.
6. Snap pictures of the front and back of your check.
7. Submit the check for deposit.
8. You will receive onscreen confirmation that your check was received by Marblehead Bank.

Deposits made Monday – Friday before 3:00pm EST will be processed the same day with the funds generally being available the next business day. Deposits made after 3:00pm EST Monday – Friday or on weekends/holidays will be processed the next business day with the funds generally being available one business day later.

You can only deposit checks that are in U.S. currency made payable to you.

• Checks payable to any person or entity other than yourself
• Checks containing an alteration on the front of the check
• Checks payable jointly, unless deposited into an account in the name of all payees
• Checks drawn on a financial institution located outside the United States
• Checks not payable in U.S. currency
• Checks drawn on the account to which they are being deposited
• Checks dated more than 6 months prior to the date of deposit
• Checks improperly endorsed (see “How do I make my first mobile deposit?”)
• Checks that have been previously submitted for deposit
• Checks or items drawn or otherwise issued by the U.S. Treasury Department

There are a few common errors that may cause your check to be rejected:

• Folded or torn corners
• Illegible front image
• Amounts not matching
• Unclear routing and account numbers
• No camera on mobile device
• Dark or blurred image

Try using mobile deposit in a well-lit area to prevent shadows and poor image quality. Keep your hands clear of the check while taking the picture.

After submitting images of the front and back of your check, you will receive onscreen and email confirmation that Marblehead Bank has received your deposit. You will be notified separately when your deposit has been approved and processed.

You should hold onto your check for 30 days and then destroy or shred it. Please do not attempt to process the check at another institution or through another channel (ATM or in-branch).

Click here to view the agreement.

*Message and data rates may apply from your wireless carrier.

Card Controls are tools within the Marblehead Bank’s mobile banking app that allow you to manage when, where and how your debit card is used, keeping your card safe and providing instant notifications whenever your card is used.

Log in to your mobile banking app. Select “More” and choose “Cards.” (If you don’t see this option, update to the latest version of the mobile banking app.) Select your debit card.

• Turn your debit card on and off – Disable your debit card to prevent transactions completely or by payment type, including in-store, online, and ATM.
• Set push notification alerts for transactions – Get real-time debit alerts by merchant or transaction type.
• Control where your card can be used – Restrict card use to specific geographical regions, merchants, or transaction types.
• Set spending limits within your card’s approved transaction limits.
• View recent transactions completed with the selected debit card.
• Add your debit card right to Apple Pay via Digital Issuance.

Your card settings will be updated immediately. Don’t worry if you think you’ve disabled something you need. You can change your settings at any time, and your changes will take effect instantly.

No, if you turn a feature off through Card Controls, it will only apply to the selected debit card.

Normally, your card settings will be updated immediately. However, Card Controls is reliant on computer and telecommunication systems. Disruptions to these systems may result in Card Control settings not being updated immediately. Your settings will be updated as soon as the disruption is resolved.

No, you will only have access to update controls for your own card.

Card alerts allow you to receive notifications of recent debit card transactions. You can activate or deactivate card alerts, set card alerts for specific types of merchants and/or transaction types, and select a threshold transaction amount for receiving a card alert.

Call the Card Controls Call Center at 1-833-276-2968, 8:30AM to 11PM, 7 days a week.

Apple Wallet is a mobile wallet that lets you pay for purchases at stores and within apps easily and securely using your compatible Apple device instead of a physical credit or debit card.

Apple Wallet is available on iPhone models with Face ID, iPhone models with Touch ID except iPhone 5s, iPad models with Touch ID or Face ID, and the Apple Watch series 1 and later.

Apple Wallet is free! However, data charges from your mobile carrier may apply.

Apple Wallet has enhanced security features that aim to make payments more secure than traditional ways to pay. With Apple Wallet, instead of using your actual debit card number, when you add your card to the Apple Wallet a unique device account number is assigned, encrypted, and stored on a dedicated chip on your compatible Apple Device. When you make a purchase, the device account number along with a dynamic, transaction-specific security code is used to process your payment. Your actual debit card number is never shared with merchants or transmitted with the payment. Find out more here.

To add your debit card to your Apple device:

1. Open the Wallet app on your iPhone.
2. Tap the plus sign or Add Card Button.
3. Select Which type of card you want to add
4. Hold your physical card to your iPhone to scan it automatically or tap “Enter Details Manually” and input the information yourself.
5. Some cards may require further authentication via an SMS code sent to the number of file with the bank.

Go to Wallet in your iPhone settings to set your default card.

Look for the Apple Wallet symbol and hold your device close to the terminal. Place your finger on the Touch ID if you want to pay with the card set as your default payment within Apple Wallet®. If you wish to use your Marblehead Bank card and it is not set as the default payment method within your Apple Wallet, open the Apple Wallet application and select the card you would like to use for payment. Then hold your device close to the terminal once the correct card has been selected. (We suggest you select the “credit” option if given a choice. Selecting the “debit” option may not always work successfully depending on the merchant’s terminal. If you are prompted for a PIN and the transaction is declined, ask the merchant if they can reprocess the transaction as credit.) Your phone will vibrate or beep when the transaction is complete.

If your iPhone or other Apple device is lost or stolen, you can use Find My iPhone to quickly put your device in Lost Mode, which will suspend Apple Wallet. Or you can wipe your device completely. If you can’t download the Find My iPhone app or can’t disable Apple Wallet using your iCloud account from another device, you should call 1-800-475-1871 right away to have your device account number temporarily suspended or deleted. This will prevent someone who may have your device from using it to make purchases. Monitor your account, and if you notice any suspicious activity, contact us.

Apple, iPhone, iSight, Wallet, iCloud and iTunes are trademarks of Apple, Inc., registered in the U.S. and other countries. Apple Pay, Pay Wave, Touch ID, Apple Watch, iPad Air and iPad Mini are trademarks of Apple, Inc.

Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.

Newer Samsung devices have a Samsung Wallet shortcut preloaded onto the device. If your Samsung device does not have Samsung Pay pre-installed, simply visit the Google Play store and search for Samsung Wallet, then select the correct application and click the corresponding install button. After installation is complete, touch Open to start using Samsung Wallet.

Samsung Wallet works with all Samsung phones released in the last 8 years. It is also available on all Samsung Wearables released in the last 8 years. Visit the Samsung site for the most up-to-date list.

Pay confidently from your phone knowing that the same fraud protection we give your Marblehead Bank debit card carries over to Samsung Wallet. And since Samsung Wallet doesn’t store or share your payment information, every purchase is yours alone. Tokenization creates a unique randomized set of numbers to be used at each new transaction, so your real card number isn’t used. As a security measure, you will receive a “verification required” message when adding your card to Samsung Wallet, along with a phone number to call to verify. Once verified, an on-screen message will appear stating that the card is ready for use. This verification is part of our multi-layered approach to security in payments.

A total of 10 payment cards can be added to Samsung Wallet. These include credit cards, debit cards, and private-label credit cards (store credit cards). There is no limit to the number of gift cards that can be added to Samsung Wallet.

No, there is no fee to use Samsung Wallet.

Samsung Wallet requires that you SIGN IN to the service with a Samsung Account. You can sign up for a free Samsung Account during the Samsung Wallet setup process. On compatible devices, a Samsung Wallet shortcut will be preloaded, allowing you to download and install the app. The app is not available for download on unsupported devices. Navigate to and touch Apps > Samsung Wallet. To download the necessary files, touch Install. Open Samsung Wallet on your phone and sign into your Samsung account. Tap the All tab, and then tap Payment Cards. If this is your first time adding a card to Samsung Wallet, tap Add Credit or Debit Card. If you have existing cards, tap the Plus sign in the upper right hand corner, and then select Add Credit or Debit Card. Position your card in the camera frame to automatically enter your card information. Alternatively, you can tap Enter Card Manually and type the card number in. Enter the security code found on your card and accept the terms and conditions.

To set a default card in Samsung Wallet open the Samsung Wallet application, and then tap the All tab. Tap More Options (the three vertical dots), and then tap Settings. Tap Quick Access, and then tap Set Default Payment Card. Tap on Switch at the top, and then select your desired card.

To add your fingerprint to Samsung Wallet you must first register your fingerprint in your phone’s general settings under Security and Privacy/Biometrics/Fingerprints. Follow the prompts to register your fingerprint with your phone. During initial setup of Samsung Wallet, you will be prompted to enable fingerprint verification. If you want to add fingerprint verification to Samsung Wallet after the initial setup, login to your Samsung Wallet and then click the three dots in the top right corner and select Settings. From the Samsung Wallet settings screen navigate to Biometric Verification for Samsung Account and click on the corresponding button to enable biometric verification.

Use Samsung Wallet wherever you see the Samsung Wallet icon at checkout or online. Just swipe upwards from the bottom of the screen on your mobile device or launch the Samsung Wallet app. Choose your payment card. Authenticate using the fingerprint sensor on your phone or by entering your Samsung Wallet PIN. Then hold your phone or device near the payment terminal to complete the transaction. You may need to sign a receipt or enter your PIN as usual.

Yes, you can continue to use your physical card as you usually would after you add that card to Samsung Wallet.

Once the payment is made, you will get an Android notification that confirms the merchant name and the amount of your purchase. This information is also documented in the Samsung Wallet app.

Transactions made with Samsung Wallet are available to view in your Samsung Wallet for one month from the time of your purchase. The transactions are kept separate and listed under each payment card. Additionally, a push notification with transaction details will be sent to your device after each purchase.

All transactions completed with Samsung Wallet will appear on your Marblehead Bank statement as typical point-of-sale transactions.

Samsung Wallet can be used with any merchant whose terminal can accept Near Field Communication (NFC). And because Samsung Wallet also uses Magnetic Secure Transmission (MST), it can be used virtually anywhere you can swipe your card.

To return something you bought with Samsung Wallet, you’ll need your store receipt, just like you would for any other purchase, along with the payment card used for that transaction. The merchant will match the information on the receipt to the last four digits of your digital card number in Samsung Wallet. If the merchant asks you to swipe your card, simply hold the back of your phone to the contactless payment terminal.

Your payment information is not accessible without your fingerprint or Samsung Wallet PIN. For added security, the Samsung Find My Mobile service can remotely lock or erase your payment cards in Samsung Wallet. Alternatively, you can choose to erase your entire device and/or removable storage. When you lock Samsung Wallet using Find My Mobile, all payments will be disabled on the device. If you locate your device, you can quickly unlock your cards by authenticating your identity by scanning your fingerprint or entering your Samsung Wallet PIN. We also recommend notifying your mobile carrier and calling the Marblehead Bank number on the back of your card promptly. Mention that you added your card to Samsung Wallet so we can disable your card for use with it. If you locate your device, you will need to add your card back to Samsung Pay before using it to make any purchases.

When your debit card enrolled in Samsung Wallet expires or is replaced due to loss, theft or fraud, you will need to add your new one, either by using the device camera or manually adding the information. You must first delete your old debit card from Samsung Pay.

©2016 Samsung Electronics America, Inc. Samsung, Samsung Wallet, Samsung Galaxy, Samsung Knox and Galaxy S (and other device names) are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Use only in accordance with law. Other company and product names mentioned may be trademarks of their respective owners. Screen images are simulated; actual appearance may vary. Samsung Pay is available on select Samsung devices.

Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.

You can download Google Wallet directly from the Google Play store.

Google Wallet can be utilized on all Android phones that run Android 9 or higher.

Google Wallet gives users advanced security and privacy controls. Google Wallet offers the capability to implement 2-step verification for all transactions. Tap to pay always uses encrypted payment codes to hide your real card number. To add a Marblehead Bank debit card to Google Wallet you are required to have a verification code sent to the phone number or email address on file with the bank. This code is entered as the final step of adding your debit card to Google Wallet.

You may use up to 10 payment cards consecutively with Google Wallet.

No, there is no fee to use Google Wallet and Google Pay.

Google Wallet requires that you sign in to the service with an active Google Account. You will need to download Google Wallet from the Google Play store. Once downloaded open the Google Wallet application and sign into your Google account. To add a new payment card to Google Wallet, click on the + icon on the bottom righthand of your device’s screen. From the option for “Add to Wallet” select Payment Card. Click the + icon where it states “New credit or debit card”. Enter the designated debit card number, expiration date, security code as well as your name exactly as it appears on the debit card. To add the card, you must complete multi-factor authentication via email or text to the contact information that you have on file with the bank whose card you are attempting to add. Once the security code has been successfully entered in the Google Wallet application your debit card is all set and ready to be used via Google Wallet.

To make your Marblehead Bank card the default card in Google Wallet you first want to click on the debit card within Google Wallet. Once the card has been selected click on the three dots in the top right corner to go to the settings for the card. Click on the option that states “Make default for tap to pay” and once clicked the card has been set as the default card within Google Wallet.

To add your fingerprint to Google Wallet you must first register your fingerprint in your phone’s general settings under Settings/Security/Fingerprint (or similar option, this varies by OS). Follow the prompts to register your fingerprint with your phone. During the initial setup of Google Wallet, you will be prompted to enable fingerprint verification. If you want to add fingerprint verification to Google Wallet after the initial setup login to your Google Wallet and click on the Google profile icon located on the top right corner of your screen. Click on the first menu option “Manage your Google Account”. This will open a screen that allows you to update settings of your Google account. Click on “Security & sign-in” and then on the next screen select “Passkeys and security keys”. Next you will be required to login to your Google account. Once you have entered your Google credentials you will be brought to the Passkeys screen where you simply need to click on the blue button that states “Use Passkeys”. This will enable fingerprint verification for all connected Google profiles including Google Wallet.

Using Google Wallet to make purchases is as simple as opening the Google Wallet application on your designated device and then holding the device to the payment terminal. Google Wallet can also be utilized to make online purchases at most online retailers. When checking out and making payment look for the Google Pay option. If prompted select the payment method you would like to utilize within Google Wallet then follow the additional prompts to complete payment.

Yes, you can continue to use your physical card as you usually would after you add that card to Google Wallet.

Built into Google Wallet are notification settings that when turned on can alert the user via a push notification that a transaction has been completed via Google Pay. You can also view the recent activity directly in Google Wallet by clicking on the card that was used to make the payment.

Yes, you will see recent transactions within Google Wallet.

All transactions completed with Google Pay will appear on your Marblehead Bank statement as typical point-of-sale transactions.

Not all merchant accept Google Pay but most of the major United States retailers do and the number of merchants that accept Google Pay continues to increase each year.

The process to return an item purchased in-store with Google Pay is very similar to returning an item purchased with a physical card. When the merchant asks you to swipe your card simply open Google Wallet with the card used to make the purchase selected and hold your device near the payment terminal. For some returns, you may have to provide the last 4 digits of your digital card number which can be accessed right from Google Wallet. To get the last 4 digits of the virtual card number click on the card in question within Google Wallet and then click on the three dots in the top right corner. The last 4 digits of your virtual card will appear under the last 4 digits of your physical card.

First visit android.com/find and sign into your Google account. Once logged in you will have the ability to remotely lock and sign out of your device or if you wish you can delete all content on the device and reset it. After this has been done contact the bank’s customer service so that they can cancel any cards that were added to the Google Wallet connected to the lost or stolen device.

When your debit card enrolled in Google Wallet expires or is replaced due to loss, theft or fraud, you will need to add your new one by manually entering the information. You must first delete your old debit card from Google Wallet

Google, Google Pixel, Google Pay, Google Wallet, and Google Play are trademarks of Google LLC. Use only in accordance with law. Other company and product names mentioned may be trademarks of their respective owners.

Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.

Within Online Banking you may transfer funds between your linked deposit accounts at the Bank and certain deposit accounts at other U.S. financial institutions (“External Transfers”).(International transfers are not supported.) You will need to set up and verify each of your non-Marblehead Bank accounts that you wish to use for the external transfer services. You agree that you will only attempt to set up and verify accounts for which you have the authority to transfer and withdraw funds.

External transfers are processed after 7:00 PM EST on the date they are scheduled (the “Processing Time”). Sufficient funds need to be available at the Processing Time. If you transfer funds into the account you have with us, the funds are credited to your account on the next business day but may not be available for use until we receive the funds from the other financial organization. This process may take up to two (2) business days or five (5) business days for accounts less than thirty (30) days old. If you transfer funds from your account with us to another institution, the funds will be available for withdrawal in accordance with the funds availability policy of the institution(s) holding the account that received the funds.

External transfers can be initiated on either a one-time or recurring basis. The recurring transfer feature may be used when a set amount is transferred at regular intervals. One-time future-dated or recurring transfers scheduled for a weekend or non-business day will be processed on the next business day.

Future-dated and recurring transfers can be canceled prior to the Processing Time on the business day prior to the date the transfer is scheduled to be made. However, if the transfer’s status is “In Process” or “Processed,” the transfer may no longer be cancelled.

Incoming and outgoing transfers do not incur a fee. However, we reserve the right to charge additional fees at a later time and will notify you if we do so as required by law.

Limits apply to the total of all external transfers for all accounts. Any transfer initiated on a day that is not a business day counts toward the applicable limit for the next business day. We may change limits on external transfers at any time. Any decrease in dollar limits will be subject to notice, as required by law, but you agree that we may reduce your limits stated above without prior notice upon occurrence of a Disqualifying Event (as defined below).

External transfers are available to all consumers, but you agree we may cancel your right to make external transfers, without prior notice, upon the occurrence of a “Disqualifying Event,” which includes the following:

• You have had an overdraft, an over-limit item, or an item returned for insufficient funds with respect to any Marblehead Bank account during the current or three (3) prior calendar months.
• Any of your accounts with us are not current or in good standing, as determined by the Bank from time to time in its sole discretion.

You shall be solely responsible for the accuracy and completeness of transfer instructions transmitted to us. We shall not be responsible for any errors in the transfer instructions or requests for cancellation or amendment of transfer instructions transmitted to us by you, and your sole recourse for erroneous or unauthorized transfers or instructions received by us from a third-party processor acting on behalf of you is against such third-party processor and not against us.

Transfers between account(s) with us and account(s) at other financial institutions (foreign account) are accomplished through an automated clearing house (ACH) debit against the account funds being transferred from and an ACH credit to the account funds being transferred to. You agree that each such ACH transaction you initiate complies with all applicable laws and the Operating Rules and Guidelines of the National Automated Clearing House Association (NACHA).

If a transfer request describes the receiver or recipient inconsistently by name and account number, payment may be made on the basis of the account number even if it identifies a person different from the named receiver or recipient. In addition, if a transfer request describes the receiving depository financial institution inconsistently by name and identification number or routing number, payment may be made on the basis of the identification number or routing number even if it identifies a financial institution other than the named receiving depository financial institution.

If you transmit a transfer request that instructs us to debit or credit an account at a financial institution that does not participate in an ACH association, we may reject such transfer request and use reasonable efforts to notify you of such rejection.

Customer Service at 1-800-475-1871.

The information provided to you is as current as the information you would receive by coming into our bank lobby.

Details: You can either click on the details tab or on your account number to get your account activity. By changing the date range in the search criteria, you can retrieve up to 24 months of transaction activity.

eStatements: Up to seven years of monthly statements are loaded into your profile and have the same format as the statements that you receive in the mail. You must update your document delivery preference within online banking from paper to online to view and download eStatements.

Once you have entered your Login ID and password, you may begin emailing the bank through the Administration and Communications tab. This service allows you to send and receive secured email with the bank staff, a good way to get answers to any questions you might have. For security reasons, online banking has a timeout function.

Marblehead Bank’s Online Banking is the most secure form of banking you can use, and its security is guaranteed by your Login ID and password. In our continuing effort to protect your financial information, we use additional security features.

Only the admin user and sub-users that the admin user specifically designates will be able to view the entitled accounts.

After several successful logins from the same device your device will be listed as a trusted device. When a password is forgotten a trusted device will offer the user the forgot password link. When this link is clicked, the user is asked to select one of their phone numbers on file with the bank and to select whether they would like to complete multi-factor authentication via SMS or phone call. Once multi-factor authentication has been completed you will be asked to create a new password based off several parameters.

No. Your transactions are part of a secure Internet connection, and if the connection is broken, the entire transaction is voided.

When you wish to transfer funds online, you simply designate which accounts you wish to transfer to and from and the amount of the transaction. You will receive a confirmation number at the end of the transaction, and you can see the transfer reflected in the balance of your account. It’s a good idea to record your confirmation number in your register should you need to refer to it again in the future. Your transferred funds are available immediately.

The transfer function allows for recurring transfers to be set up by you the customer. You can set up the transfer to go weekly, bi-weekly, monthly and so forth and can also specify the date you want the transfer to occur.*

*Transfers from statement accounts to make payments on a loan can be made for the exact amount or additional principal payments may be made.

You have the ability to set up notifications that will trigger email alerts for instances such as:

• Minimum balance below specified amount
• Maximum balance above specified amount
• Certificate maturity when due for renewal
• Check clears for selected amount
• Deposits made to specified account
• Debit posted to specified account
• User Profile Activity for when a modification is made to a user profile

Yes, the available formats for download are BAI2, CSV, PDF, QIF, QuickBooks^®, and Quicken^®.

Select Stop Payment from the Account Services menu option. Enter the required information for the check you want to stop and click Continue. Review the information entered and if everything looks correct click on the Submit Request button. You will receive confirmation on the next screen that the Stop Payment request has been transmitted successfully.

Yes, within Online Business Banking you can place secure message-based US dollar wire transfer requests after you have applied and been approved for the Wire Package.