What is mobile deposit?

Great question! Mobile deposit is an easy way to electronically deposit checks from your mobile device using our mobile app.

The best part? Mobile deposit is free1 to Gate City Bank customers. Simply download the Gate City Bank mobile app to get started.

Download on the Apple App Store  Get it on Google Play

Related Questions

Mobile check deposits using the Gate City Bank mobile app are protected. Security features include enhanced security measures such as password protection, data encryption and internet firewalls to guard against unauthorized access.

Check images and other private information are not stored within the mobile app or on your phone, making a check deposit with the mobile app as safe as using online banking.

Don't have our mobile app? Download it today:

Download on the Apple App Store  Get it on Google Play

When you register for mobile deposit, you’ll receive an email with your personalized limits. You can also find your limits per deposit displayed on the mobile deposit screen. Limits may change based on your account activity.

After submitting the mobile deposit, you’ll receive a reference number and status for it. When your deposit is accepted, it may take up to one business day2 to appear in your account. If your deposit is held for review, you’ll receive an email notification when your mobile deposit is either approved or declined. If the deposit is declined, you will receive an email notification indicating the reason.

Please check your email within a business day of your deposit. You’ll be able to see the status of current and past deposits by selecting “View Deposit History” on the mobile deposit screen.

There are a number of reasons why checks may not be able to be deposited using the mobile app:

  • Folded or torn corners.
  • The front image is not legible.
  • The amount entered doesn’t match the amount read by the scanning software.
  • The routing and account numbers are unclear.
  • The image is too dark.
  • Endorsements are missing from the front or back of the check.

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1 Data connection is required. Wireless carrier fees may apply.

2 Mobile deposits are not processed on weekends or federal holidays.

Apple, the Apple logo, iPhone, iPad, Apple Watch and Touch ID are trademarks of Apple, Inc., registered in the U.S. and other countries.

Google, Google Pay and Android are trademarks of Google, LLC.