What is Business Mobile Banking?
Business Mobile Banking is our mobile service that brings business banking to your phone. Business Mobile Banking allows you to monitor your account from your phone at any time.
What can I do with Business Mobile Banking?
Business Mobile Banking allows you to:
- Review transfers and payments
- Approve transactions
- Deposit checks on the go
- and even help protect your company from fraud by reviewing Positive Pay exceptions
What phones are supported for Business Mobile Banking?
Apple iPhone® and all phones using the Android™ operating system are supported. The specific app for each operating system can be found at their respective app store.
Is Business Mobile Banking secure?
Business Mobile Banking uses state-of-the-art encryption and login security to protect your accounts. In addition, Business Mobile Banking applies all user permissions assigned in the online version of your business banking to mobile access.
How can I make a deposit using Business Mobile Banking?
If you have an iPhone® or Android™ smart phone, simply download the application. Then, log in. You'll key in the amount of the deposit, and take a picture of the front and back of the check. That's it! Within seconds of uploading the transaction, you'll receive a confirmation that the deposit was received successfully.
What types of checks can be processed through Business Mobile Banking?
All personal and business U.S. checks can be processed through Business Mobile Banking. Checks from Canada and other foreign countries, food stamps, savings bonds and poor image quality checks must be deposited traditionally.
When can electronic deposits be issued to the financial institution?
You can transmit mobile deposits to the financial institution 24-hours a day, 7-days a week including weekends and holidays, with the exception of the financial institution's routine maintenance downtime.
When will deposits be posted into my account?
Deposits received electronically are processed similar to traditional paper deposits during the business day. The financial institution's window for processing electronic deposits may be extended. Contact your financial institution for details.
What should I do with the original paper checks after deposits are made?
Original checks should be stored for a minimum amount of time prior to being destroyed, as determined by your financial institution.
How do I prevent checks from being scanned and deposited twice?
The software has built-in duplicate detection tools that detect items already captured. If the software detects potential duplicate checks, an alert prompts you to make a decision about the items in question. Also endorse the back of the check with "For Mobile Deposit Only" as a precaution.
How do I know the image quality is acceptable?
The software has an Image Quality Assessment (IQA) tool that automatically identifies problems with the check image. If a problem is detected, you'll be asked to retake the photo.
If you have additional questions, contact Decatur County Bank for assistance.