Mobile Check Deposit

Allows you to make check deposits anytime, anywhere with the SmartBank mobile app. Depositing funds has never been easier, in fact it’s a snap!

Steps for using Mobile Check Deposit

Step 1

Sign your check and write “For Mobile Deposit Only- SmartBank”. Open your SmartBank mobile app and select “Deposit”.

Step 2

Tap “Front” to take a picture of the front of the check. Line-up the check image with the frame, and take picture. (To accept the image, tap the green check mark. To retake the image, tap the red undo button.) Tap “Back” to take a picture of the back of the check, and repeat steps.

Step 3

Input the “Amount” of the check and select “Deposit To” from the list of available accounts. Add an email address in the “Email Receipt To” field and tap “Continue”.

Step 4

Review information, and if correct, tap “Approve”. Otherwise go back and make necessary changes.

Tips for using Mobile Check Deposit

Make sure you are taking a picture of check in a well-lit area. Use a dark background to get the best image of the check.
Sign the check and write “For Mobile Deposit Only- SmartBank”
Verify that the check amount and written amount match.
Make sure the entire check image is captured and in focus.
Available for Apple and Android products.

Mobile Check Deposit FAQ:

When are funds deposited to my account?

For items submitted by 5:00 PM EST Monday – Friday, funds will be deposited on the day of deposit. Funds deposited into a checking account will be included in your available balance at the time of deposit approval. Funds deposited into a savings account will be included in your available balance after nightly processing on the day the deposit is approved.

Is there a limit on how much I can deposit with Mobile Check Deposit?

Items greater than $2,500 will generally not be accepted through Mobile Check Deposit. No more than $4,000 can be deposited daily, and no more than $10,000 can be deposited in a 3 day period using Mobile Check Deposit.

How long should I keep my check after making a deposit using Mobile Check Deposit?

Generally, checks may be destroyed 14 days after making the deposit.

Is there a fee for using Mobile Check Deposit?

No. Mobile Check Deposit is a complimentary service.

Deposit accounts must be open at least 30 days to make a deposit.
Accounts that have 6 or more NSF items (AOD items do not count) in a 12 month period will not be eligible for MCD.
Items greater than $2,500 will generally not be accepted through MCD.
We reserve the right to hold funds deposited via MCD up to 5 business days. Affected clients would be notified via phone call at the time the deposit is approved, and by a hold notice sent to the mailing address on file.