Mobile Deposit Capture

Mobile Deposit Capture 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 Deposit Capture

  1. Using your SmartBank mobile app, go to the list of available actions. Select 
Check Deposit.
  2. Endorse check and write “For Mobile Deposit Only” with corresponding account number on the back of the check.
  3. Tap the Deposit button on the top right of your screen.
  4. Read the Notice that is presented, then tap Continue.
  5. Tap Front to take a picture of the front of the check. Line-up the check image with the frame. Tap the camera icon in the viewfinder to take the picture. To accept the image tap the check mark. To retake the image, tap the red undo button.
  6. Tap Back to take a picture of the back of the check.
  7. Input the Amount of the check and select the Deposit To account from the list of available accounts.
  8. Input an email address in the Email Receipt To field and tap Continue.
  9. Review the information on the Approve Deposit Screen. If all information is correct, tap Approve. If changes need to be made, tap Edit in the upper left hand corner to go back to the previous screen.

Tips for using Mobile Deposit Capture

  • 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.
  • Be sure to endorse the back of the check, “For Mobile Deposit Only” and include deposit account number.
  • 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 Deposit Capture 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 Deposit Capture?

Items greater than $2,500 will generally not be accepted through Mobile Deposit Capture. 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 Deposit Capture.

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

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

Is there a fee for using Mobile Deposit Capture?

No. Mobile Deposit Capture 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 MDC.
  • Items greater than $2,500 will generally not be accepted through MDC.
  • We reserve the right to hold funds deposited via MDC up to 5 business days.  Affected clients would be notified via email at the time the deposit is approved, and by a hold notice sent to the mailing address on file.