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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!

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.