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Remote Check Deposit FAQs

Personal Remote Check Deposit Q&A

Who is eligible for Mobile Remote Check Deposit (RCD)?

Customers who have a checking account that has been open for at least 30 days are eligible for the Mobile RCD service if they are qualified for the service.

Are there any fees associated with using Mobile RCD?

No, there is no charge for using Mobile RCD / Check Deposit

What if an account is not listed in Mobile RCD?

In most cases, eligible accounts will automatically be signed up for Mobile RCD. 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 RCD service.

What types of checks may I deposit with Mobile RCD?

Most domestic checks may be processed through Mobile RCD. We do not accept electronically created items, money orders, foreign items, savings bonds, travelers checks, counter checks, or third-party checks.

Are there any limits on the dollar amount of deposits I can submit?

Yes. You may only use the service to deposit items within your individual item, daily aggregate and five-day aggregate approved the limits specified in the Electronic Services Agreement. Any items presented in excess of the limits will be declined. Please see the Remote Check Deposit page for current default limits.

Are there any limits on the number of checks I can deposit using RCD?

Yes. The daily limit is 5 checks and no more than 10 checks can be deposited through RCD in 5 business days.

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.

How do I endorse my check for Mobile RCD?

You should sign your check with the following endorsement. Failure to endorse a check properly via Remote Check Deposit may result in the check being denied.

For Mobile Deposit Only at National Exchange Bank & Trust
{Your Signature}

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 Recent > Check Deposits section. In addition, most accounts will also show the deposit as pending in the transaction history once it has been approved.

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 Recent > Check Deposits section.

When will my deposit post to my account?

Deposits may be made with RCD 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 Remote Check Deposit may be impacted during Federal Holidays. Please refer to the Funds Availability Schedule for more information.

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.

What if the check image I photographed is bad?

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.

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.

Will my deposited check be available in transaction history?

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.

Can I make my opening account deposit through Mobile RCD?

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

How long after opening an account may I start using Mobile RCD?

An account must be open a minimum of 30 days and meet certain criteria prior to being authorized for use with the Mobile RCD service.

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 RCD 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 RCD functionality. Please visit your local office if you want to try to redeposit the item.

If I need additional information on Mobile RCD, 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.

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