Mobile Check Deposit

Personal Mobile Check Deposit Q&A

Who is eligible for Mobile Check Deposit?

All customers are eligible upon enrollment. However, the service may be restricted if the customer attempts to deposit or successfully deposits fraudulent checks using the service.

Are there any fees associated with using Mobile Check Deposit?

No, there is no charge for using the Mobile Check Deposit function within the app.

What if an account is not listed in Mobile Check Deposit?

In most cases, eligible accounts based on the user’s ownership will automatically be listed. If you have an eligible account that has not been enabled, please contact your local office for assistance.

What types of checks may I deposit with Mobile Check Deposit?

Most domestic checks may be processed through Mobile Check Deposit. We do not accept electronically created items, money orders, foreign items, savings bonds, travelers checks, counter checks or third-party checks. Please see the Electronic Services Agreement for full restrictions regarding check deposits.

Are there any limits on the dollar amount of deposits I can submit or number of checks I can deposit through Mobile Check Deposit?

Yes. 
No single item may exceed $2,000. There is a daily aggregate limit of $2,000 and during any 5-business day period there is an aggregate limit of $5000.
In addition, there is a daily limit of 5 checks and no more than 10 checks may be deposited during any 5-business day period.

Do I photograph both the front and the back of my check?

Yes. During the deposit process, you will be required to photograph the front and back of your check. Please validate the back is appropriately endorsed for a mobile deposit.

How do I endorse my check for Mobile RCD?

All payees should endorse the back of the check. Sign the check as outlined below. Failure to endorse a check properly may result in the check being denied.

For Mobile Deposit Only at National Exchange Bank & Trust
{Payee Signature(s)}

How will I know if my deposit was received?

You will receive a notification by email when your deposit has been received. The mobile app will also indicate the deposit is pending within the Activity tab of the Check Deposit section. This does NOT mean your check has been approved for deposit.

How will I know if my deposit was processed?

When your deposit is processed, you will receive a second email notification on the status of your deposit. This email will indicate if the deposit was approved or declined for processing. If declined, a reason will be provided. The mobile app will also indicate the deposit is Approved or Declined within the Activity > Check Deposit section.

When will my deposit post to my account?

Deposits may be made with Mobile Check Deposit at any time. If we receive the image of an Item for deposit on or before 5:00 p.m. Central Time on a Business Day, that day is the day of deposit. If we receive the image of an Item for deposit after 5:00 p.m. Central Time or on a non-Business Day, the next Business Day is the day of deposit.

Checks deposited will be available one Business Day after the day of deposit. The timing of your Mobile Check Deposit may be impacted during Federal Holidays. Please refer to the Funds Availability Schedule for more information.

What if my deposit is declined?

Review the email for the decline reason, and determine if you can fix the item and resubmit. If you have questions about the reason for decline, please contact your local office. Any check endorsed for mobile deposit will take special approval for deposit in-person at an office.

Can I photograph more than one check at a time?

You may photograph multiple checks in the same mobile banking session; however, you may only photograph one check per deposit.

Do I destroy my check after I photographed the deposit?

Keep the original item for at least 15 Business Days after you have transmitted the item. Once you can verify funds have been credited to your account, you should mark the item as “VOID” and properly dispose of it to ensure it is not presented for deposit again. Do not VOID until after funds have been posted to your account, in the event the deposit is not approved and needs to be re-submitted. Any check endorsed for mobile deposit will take special approval for deposit in-person at an office.

Will my deposited check be available in transaction history?

Yes. You may view your mobile check deposit transaction history in the Check Deposit Activity tab in your Mobile Banking app. Most accounts will also show the deposit as pending in the transaction history once it has been approved.

Can I make my opening account deposit through Mobile Check Deposit?

No, at this time the Mobile Check Deposit functionality cannot be used to initially fund a new account.

What if I submitted a deposit for the wrong amount? Do I need to resubmit the deposit?

No, you do not need to resubmit your deposit. If you entered the wrong amount for the deposit, our operations center will correct the deposit amount.

What if I submit the same deposit twice in error?

If the same deposit is submitted twice, it will be identified and stopped by our process. Should this occur, you will receive a declined deposit notification for the second deposit received through the Mobile Check Deposit service.

A check I submitted was returned; can I resubmit it?

If a deposit is returned, please do not re-deposit the check with the Mobile Check Deposit functionality. Please visit your local office if you want to try to redeposit the item. Any check endorsed for mobile deposit will take special approval for deposit in-person at an office.

If I need additional information on Mobile Check Deposit, who may I call?

For additional assistance, please contact your local office for assistance.

What type of Internet connectivity do I need?

Your mobile device must have an appropriate data plan and/or Wi-Fi connectivity that allows the transmission of data over the internet.