What is Mobile Deposit?

Mobile Deposit is a supplemental feature to Business Mobile Banking, enabling you to make deposits of singular checks when away from your office, anytime and anywhere, using your smartphone.

What can I do with Mobile Deposit?

Mobile Deposit allows you to:

What phones are supported for Mobile Deposit?

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 Mobile Deposit secure?

Mobile Deposit uses state-of-the-art encryption and login security to protect your accounts. In addition, Mobile Deposit applies all user permissions assigned in the online version of your business banking to mobile access. 

How can I make a deposit using Mobile Deposit?

Once the Business Mobile Deposit feature has been approved and enabled, simply log into the Business Mobile Banking app, click on the Deposit Check link, select the account, enter the amount, take a picture of the front and back of the check and submit. That’s it! Within seconds of uploading the transaction, you’ll receive an on-screen confirmation that the deposit was submitted successfully.

What types of checks can be processed through Mobile Deposit?

All personal and business U.S. checks can be processed through Mobile Deposit. 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.

Need Assistance?

If you have additional questions, contact Metropolitan Commercial Bank for assistance.