We have a fresh new look and feel!
On February 5, our redesigned website launched. Although you will see a new look, it is still the same trusted site and service that National Exchange Bank & Trust offers.
Picture this: with the camera on your smart phone and the National Exchange Bank & Trust Mobile App, you may deposit checks from anywhere and everywhere!
Login to Exchange OnLine through your NEBAT Mobile App.
Choose Deposit.
Take a picture of the front and back of your properly endorsed check (see below).
Enter the dollar amount, the account it should be deposited in and an email address for confirmation.
Mobile Check Deposit only works with the National Exchange Bank & Trust Mobile App. Android and iPhone apps are available for download through Google Play (Android) or the App Store (iPhone) — search “National Exchange Bank & Trust” or use the links below.
Customers who have a checking account that has been open for at least 30 days are eligible for the Mobile Check Deposit service.
No, there is no charge for using Mobile Check Deposit.
In most cases, eligible accounts will automatically be signed up for Mobile Check Deposit. If you have an eligible account that has not been enabled, please contact your local office for assistance. Please note that accounts are pre-qualified prior to being authorized for use with the Mobile Check Deposit service.
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.
Yes. You may only use the service to deposit items within your individual item, daily aggregate and five-day aggregate approved limits specified in the Electronic Services Agreement. Any items presented in excess of the limits will be declined.
Yes. The daily limit is 5 checks and no more than 10 checks can be deposited through Mobile Check Deposit in 5 business days.
Yes. During the deposit process, you will be required to photograph the front and back of your check.
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)}
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 Recent > Check Deposits section. In addition, most accounts will also show the deposit as pending in the transaction history once it has been approved.
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 Recent > Check Deposits section.
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.
You may photograph multiple checks in the same mobile banking session; however, you may only photograph one check per deposit.
You have the option to retake photographs of the check before submitting or you may cancel the deposit. Also, the system will notify you if the image is unclear for processing. If you are unable to photograph a clear image, please take or mail your deposit to your financial institution for processing.
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.
Yes. You may view your mobile check deposit transaction history in the Check Deposits recent tab in your Mobile Banking app. Most accounts will also show the deposit as pending in the transaction history once it has been approved.
No, at this time the Mobile Check Deposit functionality cannot be used to initially fund a new account.
An account must be open a minimum of 30 days and meet certain criteria prior to being authorized for use with the Mobile Check Deposit service.
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.
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.
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.
For additional assistance, please contact your local office for assistance.
Your mobile device must have an appropriate data plan and/or Wi-Fi connectivity that allows the transmission of data over the internet.