Mobile Deposit

Frequently Asked Questions

What is it?

Mobile Deposit is a mobile deposit service that allows you to deposit checks remotely using your smartphone and the Central National Bank iPhone or Android app.

On which mobile devices is it available?

Mobile Deposit is currently available on Apple® iOS and Android™ devices.

How do I sign up for it?

Log in to our mobile app and then you can either choose Deposit from the dashboard, or Deposit Checks from the menu. Then you’ll select the account(s) you want and select Enroll. From there, your enrollment status will be pending while we complete it on our end. You will receive a notification once we’ve approved, and then you’re ready to start depositing.

Is it safe?

Yes, mobile banking uses the same security infrastructure as online banking and your data is encrypted using SSL (Secure Socket Layer) data encryption. Access to the application on your mobile device is also password protected. In the event your mobile device is lost, please note that no account data is stored on it.

How much does it cost?

There is a $0.50 fee per deposited item. Message and data rates may also apply. Contact your wireless carrier for details.

What are the eligibility requirements for it?

Any Central National Bank account holder who has a qualified account and is a user of our mobile app is eligible for the Mobile Deposit service. Qualified accounts exclude New Opportunity Checking, Health Savings Accounts, Central Secret Agent and Youth Savings Accounts. Qualified accounts are determined at Central National Bank's discretion.

Are there limitations on how many deposits I can make?

You can make no more than 5 deposits per day and deposit one check at a time. The daily limit for deposits is $5,000. You are also limited to 20 checks for a maximum of $20,000 per month.

What types of checks can I deposit using Mobile Deposit?

You can deposit checks that are payable to you and have been properly endorsed with your signature and "For Mobile Deposit Only" on the back. Several items are not eligible for Mobile Deposit, for example you cannot deposit foreign checks, third party checks, returned/re-deposited items using Mobile Deposit services.

How should I endorse checks that I submit through Mobile Deposit?

Please endorse checks with your signature and the words "For Mobile Deposit Only". PLEASE NOTE: If the back of the check is not properly endorsed, Central National Bank reserves the right to reject the check for deposit.

Why wouldn't my check be accepted?

The system may be unable to read your check due to the handwriting, check condition or photo quality. If that is the case, you will need to bring your check to a Central National Bank branch for deposit.

When will my deposit be available?

Deposits made prior to 5 p.m. will be credited to your account during nightly processing that night. Deposits made after 5 p.m. or on a Saturday, Sunday or on a holiday, will be processed at the end of the next business day. For example, deposits made after 5 p.m. on Friday will be processed the following Monday evening and available Tuesday.

Will a hold be placed on my deposit?

Funds deposited through Mobile Deposit are generally available within 1 business day, but can be delayed up to 7 business days. All deposits are subject to review and funds from your deposit may not be available for immediate withdrawal.

How do I make a deposit using Mobile Deposit?

• Endorse your check on the back, and add "for mobile deposit only".
• Select Deposit a check.
• Enter the amount and review the information on the screen. Once you’re ready, select Continue.
• Take a picture of the front of the check, and select Continue.
• Take a picture of the back of the check, and select Continue.
• Select Submit.
• You will then receive a confirmation screen, and the check will post to your account with that business day's overnight processing.

What do I do with the check after it's deposited?

We ask that you securely store the paper check for 7 days. We recommend that you store the checks in an envelope or attach a sticky note noting that the checks were deposited via mobile. Once the retention period has passed you may destroy the check(s) (e.g. shred). We also ask that you confirm that you can see the deposit in your account via online/mobile banking or on your statement prior to destroying them.

How do I know my deposit has been received?

Upon submission of a mobile deposit you will receive a confirmation screen confirming your deposit has been received. An email confirmation will follow. You can also confirm your deposit in your account via online/mobile banking or on your statement after your deposit request has been processed. Mobile deposits are processed Monday − Friday after 5 p.m. on normal business days. Items deposited after 5 p.m. are processed the following business day.