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Gate City Bank

FAQs

Mobile Deposit

  1. Mobile Deposit is a way to electronically deposit checks from your iPhone®, iPad®, iPod touch®, Android™ phone or Android™ tablet (must have a rear-facing camera of at least 1 megapixel) using the Gate City Bank Mobile App.

  2. To use Mobile Deposit, you must be a current Gate City Bank customer with an open checking or savings account. You must also be enrolled in personal Online Banking and have downloaded the free Gate City Bank Mobile App. Before depositing your first check, you must read and accept the Mobile Deposit Services Agreement.

  3. Mobile Deposit is free to Gate City Bank customers.* Just download the Gate City Bank Mobile App to begin. *Your service provider's data access charges may apply.

  4. Yes. Check deposits made through the Gate City Bank Mobile App are protected according to the highest financial industry standards. Security features include: password protection, internet firewalls and 128-bit encryption. Check images and other private information are not stored within the Mobile App or on your phone. Making a deposit with your Mobile Deposit is as safe as using Online Banking.

    • Make sure you have downloaded the Gate City Bank Mobile App for your iPhone®, iPad®, Android™ phone or Android™ tablet (must have a rear-facing camera of at least 1 megapixel).
    • Log in to the Gate City Bank Mobile App using your Online Banking username and password.
    • Choose "Deposit a Check" from the menu.
    • As part of enrollment in the service, you'll be asked to read and accept the Mobile Deposit Services Agreement. (It may take up to one business day to receive approval.)
    • Select the account into which you want to deposit the check.
    • Enter the amount of your check.
    • Sign and endorse the back of your check with "For Mobile Deposit Only."
    • Take pictures of the front and back of your check.
    • Submit the check for deposit.
    • You will receive a confirmation that your check has been submitted to Gate City Bank for review.
    • Deposits will post to your account within one business day.
    • Once your deposit has been posted, we recommend that you securely store your check for 10 days and then destroy it.

  6. When you register for Mobile Deposit, you will receive an email with your Mobile Deposit limits. Your Mobile Deposit limits may change based on your account activity. Please contact us if you have questions questions regarding your Mobile Deposit limits.

  7. Yes. Please sign the back of your check and write “For Mobile Deposit Only.”

  8. After submitting the images of the front and back of your check, you will receive a reference number for your deposit. If your deposit is accepted, it will post to your account within 1 business day. If your deposit is pending review, you will receive an email notification and, if the check is accepted, it will post to your account within one business day. You will be able to see the status of current and past deposits by selecting View Deposit History within the Mobile Deposit screen. If we rejected the deposit, you will receive an email notification indicating the rejection reason.

  9. Click on the following link download the agreement.

    Download Agreement

  10. From the menu, select Profile, Profile Updates, then Change Email Address. Once you have changed your email address, open the “Mobile Deposit” option. You don't need to process a deposit in order for the information to update for Mobile Deposit.

  11. You will be able to see the status of current and past deposits on the Deposit a Check screen by clicking View Deposit History.

  12. Mobile Deposit history is available on iPhone or Android phones. When you access Deposit a Check on the app, you can view your deposit history by clicking View Deposit History. When you touch a deposit, deposit information and the check image will display. “Accepted” deposits received by 8:00 pm CT on business days will be credited to your account the same business day. Deposits received after 8:00 pm CT will be credited by 10:00 am CT the next business day.

    • Checks payable to any person or entity other than you (i.e., payable to another party and then endorsed to you). Checks made payable to a business must be deposited into a business account of the same name.
    • Checks that do not contain a 9 digit US routing number.
    • Checks that contain evidence of alteration, or that you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn.
    • Savings Bonds. 

  14. There are a few reasons that checks may not be able to be deposited:

    • Folded or torn corners
    • Front image is not legible
    • Amount entered does not match the amount read by the scanning software
    • Routing and account numbers are unclear
    • No camera on the device
    • Image is too dark.

    Helpful tips for Mobile Deposit:

    • Use Mobile Deposit in a well lit area when taking pictures of a check to prevent shadows or poor image quality.
    • Smooth out folds on check.
    • Place check on a dark background.
    • Keep hands clear of the check while taking the pictures to avoid pictures of fingers/hands.
    • Once your deposit has been posted, we recommend that you securely store your check for 10 days and then destroy it.

  15. The reason for your mobile deposit being declined can range from a bad check image to a missing signer. These responses are provided inside Mobile Deposit History by clicking on the check image. For help completing your mobile deposit, please call 800-423-3344.