Mobile Deposit

Deposit your checks in a snap!

Don’t have time to run by the bank to deposit a check?  No problem!  With Business Mobile Deposit, a feature of State Bank’s Business Mobile Banking app, you gain the power to deposit your checks whenever and wherever you’d like.

Need help with Business Mobile Deposit? Check out our FAQs!

Using Business Mobile Deposit

Though we are always happy to see you, we know life can get hectic.  Sometimes, you just don’t have time to stop by the bank to see our smiling faces…we get it!  With Business Mobile Deposit, you can deposit your checks in a snap (literally):

• Begin by endorsing the check with your name AND “For Mobile Deposit Only.” You may select the Mobile Deposit box on the back of the check if there is one available.
• Open your State Bank Business Mobile App. Not using Business Mobile Banking? Get started here.
• Select the Deposit icon and choose the account to make your deposit to.  If you do not see the Deposit icon, please contact an e-Banker to get started.
• Enter the amount, then take a photo of the front and back of the check.  Tip: Make sure to photograph against a background that gives strong contrast and ensure the whole check is visible, in focus and well lit.
• Once both images have been captured, select next.
• Review and confirm your deposit.

That’s it!  You can check the status of your deposit at any time. Statuses include: Pending, Failed and Accepted.  We recommend you write a note on the original check reminding you that it has been deposited and then storing it for 90 days before safely destroying it.

Enroll for Business Mobile Deposit

Enrollment for Business Mobile Deposit is completed during the enrollment process for Business Online Banking.  If you have not enrolled your business account to use this service, or are not sure, it’s no problem!  Just contact an e-Banker and we’ll be sure to make Business Mobile Deposit available upon your request.

Business Mobile Deposit FAQs

What is Business Mobile Deposit?  Business Mobile Deposit is a convenient and easy way to deposit checks remotely from your mobile device into one of your eligible accounts.  With the mobile banking app on your iPhone, iPad, Android smartphone or tablet, you can take a picture of your check and submit your deposit for processing. 

How do I enroll? When completing the application for Business Online Banking, you will need to select Mobile Deposit under the Services Selection section. If you have already enrolled and would like to add this service, please contact an e-banker who will be able to assist you.

How do I deposit a check? You must have the State Bank Business Mobile application downloaded on your device and be logged in to your account.  

Begin by endorsing the check with your name AND “For Mobile Deposit Only.”   You may select the Mobile Deposit box on the back of the check if there is one available.

1. Open your State Bank Mobile App. 
2. Select the Deposit icon and choose the account to make your deposit to.
3. Enter the amount, then take a photo of the front and back of the check. Photograph against a background that gives strong contrast and ensure the whole check is visible, in focus and well lit.
4. Once both images have been captured, select next.
5. Review and confirm your deposit.

When are the funds deposited into my account after I submit a Business Mobile deposit? Deposits received electronically are processed similarly to traditional paper deposits during the business day. The window for processing electronic deposits may be extended upon request. Contact State Bank for details.

What types of checks can be processed through State Bank Business Mobile Banking? All personal and business U.S. checks can be processed through State Bank Business Mobile Banking. Checks from Canada and other foreign countries, food stamps, savings bonds, checks payable to any person other than the account owner, checks that have been altered, checks dated more than six months prior to the date of the deposit, checks with any endorsement on the back and poor image quality checks must be deposited traditionally. 

When can deposits be made by Business Mobile Banking?  You can transmit mobile deposits to the financial institution 24 hours a day, 7 days a week, including weekends and holidays! Please note, deposits made on weekends and Federal holidays are processed as if made on the next business day. Saturdays, Sundays, and Federal holidays are not considered business days for processing purposes, even if the bank may be open on those days.

How do you prevent checks from being scanned and deposited twice? The mobile deposit software has built-in duplicate detection tools that detect items already captured. Also, endorse the check “for mobile deposit only” as a precaution. 

How do I know if the image quality is acceptable? The mobile deposit software has an Image Quality Assessment tool that automatically identifies problems with the check image. If a problem is detected, you will be asked to retake the photo. State Bank may also call you if there are quality issues. 

Is there a bank fee to deposit my check with my mobile device for Business Mobile Banking? No, this is a FREE service from State Bank.

Are there transaction limits with Business Mobile Deposit? The current limits are $5,000.00 per check and $10,000.00 per day. Exceptions will be considered and amounts may be increased upon a customer’s request and at the bank’s discretion.

What do I do with the physical check after it has been deposited via Business Mobile Banking?  After you successfully submit your deposit, retain your check for 90 days and then securely destroy the check. This window allows sufficient time in the event the check needs to be redeposited.