Mobile & Online Banking

Mobile Check deposit is a service that allows a customer to submit a check to SBTC for deposit via their smartphone or tablet device. This is done by capturing an image of the front and back of the check (via the camera on the device) to be deposited and then submitting the image to SBTC via the device app.

Mobile check deposit is integrated into the new SBTC Mobile app and can be found under the DEPOSIT tab.

Yes. The customer must download the SBTC Mobile app to a camera-enabled Apple iOS or Android device. Mobile check deposit is not available via a computer or non-Apple iOS/Android device.

Most customers will. The only prerequisite currently in place to qualify for this service requires customer to have an eligible account type (Checking, Savings, MM, HSA). These requirements can change at the sole discretion of SBTC. Customers who abuse this service may be excluded from eligibility.

Yes. In order to maintain prudent risk standards, limits and hold rules apply and are at the sole discretion of SBTC. The current daily dollar limit is $5,000.00 per business day for qualified users. There is no limit on the number of daily items. Daily and monthly deposit limits may vary for qualified users. Such limits will be reviewed and adjusted periodically at SBTC’s discretion or upon their request. The customer can contact us with questions about the deposit limits and/or to request a review of their deposit limits.

No. This service is available to our customers free of charge; however, we reserve the right to change that at any time.

Mobile check deposit will be available to customers as soon as they download the SBTC Mobile app; however customers who abuse this service may be excluded from eligibility.

Yes. SBTC reserves the right to remove or change the functionality at any time. SBTC will periodically review accounts enrolled in mobile check deposit to ensure they are maintaining all eligibility requirements.

Once logged into the mobile app, select the DEPOSIT tab along the bottom.

Yes. The check must be made payable to the account holder or joint account holder.

Yes. The check must be endorsed in the following manner: For mobile deposit only to SBTC, plus signature of payee.

No. Not all checks/items are eligible to be deposited through mobile check deposit. Per the user agreement, the following items are not eligible for deposit:

• Checks payable to any person or entity other than the person or entity that owns the account that the check is being
  deposited into.
• Checks containing an alteration on the front of the check or item, or which you know or suspect, or should know or
  suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn.
• Checks payable jointly, unless deposited into an account in the name of all payees.
  • Checks previously converted to a substitute check, as defined in Federal Reserve Board Regulation CC.
• Checks drawn on a financial institution located outside the United States.
• Checks that are remotely created checks, as defined in Federal Reserve Board Regulation CC.
• Checks not payable in United States currency.
• Checks dated more than 6 months prior to the date of deposit.
• Checks or items prohibited by SBTC’s current procedures relating to the Services or which are otherwise not
  acceptable under the terms of your SBTC account.
• Checks payable on sight or payable through Drafts, as defined in Federal Reserve Board Regulation CC. Checks with
  any endorsement on the back other than that specified in this agreement.
• Checks that have previously been submitted through the Service or through an electronic deposit delivery system
  offered at any other financial institution and/ or SBTC. (E.g. Mobile, Branch, ATM, Consumer, Merchant and
  automated clearing house (ACH) check conversions.)
• Checks or items that are drawn or otherwise issued by the U.S. Treasury Department
• Money Orders and Travelers Checks.
• Checks that are drawn on or produced from any of your SBTC account(s), written to yourself, and authorized by
  yourself for deposit to your own account.
• If an item is dishonored, you will receive an image of the original check or a substitute check as the chargeback item.

Checking (including Money Market & HSA) or Savings accounts that the user has setup to view through internet banking.

Yes. A clear image of both the front and back of the check must be taken and submitted. The system will reject an unclear image, or improper/missing endorsement and the customer will then have the option to take the picture again.

Yes. The customer must enter the dollar amount, the eligible account which they wish to deposit the check into, and a valid email address to receive their receipt of deposit

The customer will receive a “successfully submitted” message within their mobile app & a “deposit received” email alert upon successful transmission. The customer can also view the past 90 days of mobile deposit history by selecting the RECENT tab on the CHECK DEPOSIT page of the mobile app.

If a deposit is made before the cutoff time of 3:00pm CST, funds should be available the following business day (business days exclude Saturdays, Sundays, & federal holidays); however, extended holds may be placed on items at the sole discretion of SBTC.

The customer can see all of their transaction history 24/7 through internet/mobile banking. They will not receive a specific notification when the funds are available.