With Capital Bank's Mobile Check Deposit you have the freedom to deposit checks anytime, anywhere using your Mobile Banking App for iPhone, iPad and Android. Just tap the App and snap a photo of the front and back of your check. It’s secure, easy, quick and best of all, included as part of our mobile banking App.
Helpful hints to make using Mobile Deposit more efficient.
Our app is free, but standard rates and fees may apply from your wireless carrier.
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Capital Bank Mobile Deposit is an easy way to use a mobile phone to deposit checks into your checking, savings or money market account. Other commonly used terms for mobile deposit are "remote deposit" or "remote deposit capture."
There is not a set limit on the number of checks you can deposit using Capital Bank’s Mobile Deposit, but only one check can be deposited per transaction. There is a dollar amount threshold for daily and monthly deposit volume. (See Q&A below.)
|Mobile Deposit Limits||Per Deposit Limit||Per Daily Limit||Rolling 30-day Limit|
|New Online/Mobile Banking Customers (< 6 months)||$1,000||$1,000||$3,000|
|Established Online/Mobile Banking Customers||$5,000||$5,000||$10,000|
We recommend that you retain your paper check for 10 days after your account has been credited. After the 10 days and once you have been able to confirm the deposit was properly credited to your account, you can destroy the check.
Capital Bank Mobile Deposit is available within the iPhone, iPad and Android mobile banking apps and can be used on an iPhone, Android phones and iPod touch.
All customers who have an active Online Banking login, a Capital Bank Mobile Deposit eligible account (Checking, Savings or Money Market), and have the Capital Bank Mobile App for iPhone, Android phones or iPod touch can use the Capital Bank Mobile Deposit service. You can find Capital Bank Mobile Apps in the Apple App Store and the Android Market.
Capital Bank Mobile Deposit is not available for BlackBerry devices.
There is no cost associated with the Capital Bank’s mobile deposits.
Capital Bank Mobile Deposit can accept most check types, including two party (personal), payroll, and government checks. However, Capital Bank Mobile Deposit cannot process the following check types:
Also, please take extra care when depositing larger dimension business checks. You may need to hold your device farther away to capture the entire check image.
If a check is deposited before the cutoff time of 5:00 p.m. EST, your funds will be credited the same day. If a check is deposited after the cutoff time you will receive credit the following business day. (Special rules apply to new customers for 30 days. Deposits may not be available for immediate withdrawal.
You should take a picture of the whole check, front and back. The app will prompt you to take a photo of the front and the back of the check. Incomplete images will not be accepted.