Mobile Deposit FAQs
Can I deposit checks with mobile banking?
Yes. The mobile deposit feature allows you to deposit a check using your phone’s camera.
Is there a fee for Mobile Deposit?
No. Mobile Deposit is a free service.
How does Mobile Deposit work?
Sign in to your CB Mobile App and follow these easy steps:
1. Select Deposit in the lower right corner of your screen
2. Select New mobile deposit
3. Select the account you want to deposit to
4. Enter the amount of the check
5. Take a photo of the front of the check and select 'use'
6. Take a photo of the back of the check and select 'use'
7. Hit next and confirm the deposit
8. Answer security question and continue
You’ll receive a confirmation the deposit has been processed. If there are issues with the check or deposit amount, you’ll receive a message providing details of how to proceed.
What kinds of checks can I deposit?
You can deposit checks that are in US Dollars. This includes personal or business checks, cashier’s checks, money orders, and government checks. All checks you deposit must be payable to you.
What kinds of items cannot be deposited?
Savings bonds, International checks, and cash.
What is my daily limit for mobile deposits?
Each check you deposit is considered a single deposit. Single deposits are limited to $1,500. You can make multiple deposits on a daily basis up to $3,000 per day.
How should checks be endorsed?
Endorse the check and write CBM Mobile Deposit Only underneath your signature. Checks may be rejected if not endorsed this way.
What is the daily cut-off time for mobile deposits?
4:00 p.m. is the daily cut-off time for mobile deposits. Deposits made before 4:00 p.m. will post to your account by 6:00 p.m. on Mondays through Fridays. Mobile deposits made after 4:00 p.m. Friday and before 4:00 p.m. Monday will be posted to your account by 6:00 p.m. on Monday.
When there is a federal holiday, when will my mobile deposit be processed?
Deposits made on federal holidays are processed the following business day. This includes: New Year’s Day, Martin Luther King Jr Day, President’s Day, Memorial Day, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving, and Christmas Day.
Can my deposit be rejected after the Mobile App accepts it?
If the deposit passes all the real time tests, it continues on for additional processing. Real time tests includes a clear image of the front and back of the check. Your deposit will initially have status of Pending upon submission. Your deposit may be rejected for reasons such as: improper endorsement, check not payable to account owner, or the item is not eligible for mobile deposit.
How will I know if my mobile deposit has been processed or rejected?
By monitoring the Deposit History, you can check your account history to confirm the deposit status has moved from Pending to Accepted.
After submitting a Mobile Deposit, what are the various stages of processing?
You will receive a message informing you of the status of your Mobile Deposit.
Pending – A status of Pending indicates the check has passed the initial test for clarity, duplication, deposit accuracy, and the deposit amount is within the deposit limits for your account. The bank is in the process of completing the review of the deposit.
Accepted – A status of Accepted indicates the bank has accepted the deposit and it has posted or is in the process of posting the deposit to your account.
Failed – A status of Failed indicates the bank has rejected the deposit for reasons beyond the normal clarity, duplication, deposit accuracy, or deposit limit. If a deposit is not accepted, please contact us at 507-385-4444.
When do funds from mobile deposits become available?
Funds are available after two business days. You will be notified if longer holds apply.
What should I do with the check after I’ve deposited it using mobile deposit?
Retain for 60 days. This allows time for processing. In the event the original check is required, you will be contacted by us.