Mobile Deposit FAQ
Mobile Deposit is an easy, convenient way to deposit checks into your checking, savings or money market account using a mobile device.
Mobile Deposit eligibility is based on your relationship with Mountain Commerce Bank (MCB). Your account will be reviewed for deposit activity and good account management.
Mobile Deposit is FREE to customers who meet the eligibility requirements. All customers are subject to approval. There may be charges associated with text messaging and data usage on your mobile device. Check with your wireless carrier for more information.
You must be enrolled in MCB Online Banking to use Mobile Deposit. Simply login to your MCB Online Banking account via the MCB Mobile App which can be downloaded from the iTunes App Store or the Android Marketplace. Click on the Mobile Deposit option in the menu bar. Read and accept the End User Agreement and if you meet the eligibility requirements, you will be enrolled and have access to Mobile Deposit. You will receive an email notification with the status of your registration request.
Mobile Deposit limits are based on your relationship with the bank. Deposits which exceed your established limits will be reviewed prior to processing. If your deposit is declined, you will receive an email notification. Deposits may be subject to additional case-by-case or exception holds.
Once your check image has been submitted for deposit using your mobile device, the deposit process begins. If your Mobile Deposit is successfully completed by 5:00 p.m. EST on a banking business day, the deposit will be credited same business day and funds are normally available for withdrawal on the next business day. Mobile Deposits made after 5:00 p.m. EST, on weekends or on bank holidays will not be credited until the next business day.
If your deposit is declined, you will receive an email notification. Deposits may be subject to additional case-by-case or exception holds.
You can deposit one check at a time.
Properly endorse your check with your signature and the words “Mobile Deposit Only.”
Checks must be made payable to you, be drawn on a US financial institution, and be in US dollars, such as payroll checks, government checks, and two party (personal) checks.
Once you successfully submitted a Mobile Deposit, you should retain the original check for sixty (60) calendar days. After 60 days and after you have confirmed that you received credit for the deposit, destroy the check.