Mobile banking is available to clients with a checking or savings account opened at least 45 days or 6 months for limited accounts.
Note: The following types of checks are not eligible for Mobile Deposit:
- Canadian checks
- Foreign checks
- US Savings bonds
- Treasury Tax and Loan (TTL) payments
How to deposit a check in Online Banking
When the client asks how to deposit a check in Online Banking, use the following procedure:
- In the CCBMobile app, select Menu > Mobile Deposit.
- If the client does not see Mobile Deposit, direct him/her to Settings > Mobile Deposit Enrollment.
- After enrolling, clients must log out and log back into Online Banking to complete a mobile deposit.
- On the Mobile Deposit page, select the Deposit Account into which the deposit should be made.
- Enter the Check Amount.
- Tap the Front of Check box. The following prompt appears: Take photo of front of check. Use the guides on the screen to align the check and tap the white circle to capture the image.
- Select either Retake or Use Image.
- The following reminder appears: write under the endorsement For Mobile Deposit Only at Capital City Bank.
- Use the guides on the screen to align the check and tap the white circle to capture the image of the back of the check.
- Select either Retake or Use Image.
- Tap Submit Deposit.
- A notice appears stating Deposit Processing.
- Tap either Make another deposit or Return to Accounts.
- The check appears in the Submitted tab in the Mobile Deposit History list.
- Mobile Deposit funds are typically available the following business day if submitted prior to 8 PM EST.
Mobile banking endorsement requirements
Federal Regulation requires specific Restrictive Endorsement wording on all items deposited through mobile deposit.
ALL items present for mobile deposit via our CCBMobile app must be endorsed as follows: "For Mobile Deposit Only at Capital City Bank"
- If a check being deposited has CHECK HERE IF MOBILE DEPOSIT on the back, clients should also mark this box. However, this DOES NOT replace the endorsement requirement mentioned above.
- Any item being presented for negotiation that has been endorsed as indicated above or the box checked or appears to have been mobile deposited at any other financial institution must be declined for processing.
Declined mobile deposits
If a client has an item that was declined for mobile deposit via out CCBMobile app, email _Transactional Risk & Fraud Prevention with the following information:
- Subject Line "Declined Mobile Deposit - Client Waiting"
- Body of Email
- Account Number
- Check Number
- Date Mobile Deposit Declined