Item Requirements

All items presented for mobile deposit using the CCBMobile app must be endorsed as follows:

• The following words: For Mobile Deposit Only at Capital City Bank
• Clients must check the box CHECK HERE IF MOBILE DEPOSIT if it is present on the check.

Deposits made by 8 PM EST are credited the same business day.

Deposits Declined

Mobile Deposit items will be declined for processing under these conditions:

• Item has not been endorsed as indicated in Item Requirements 
• Poor image quality
• The box (if present) is unchecked 
• The item appears to have been deposited at another financial institution

If a client receives notification that an item was declined for mobile deposit by the CCBMobile app, use Q2 Central to advise the client on the decline reason by using CSR Assist.

Ineligible Items

• Checks or items payable to any person or entity other than the person or entity that owns the account in which the check is being deposited
• Checks or items containing an alteration to any of the fields on the front of the check or item, or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by owner of the account
• Checks or items payable jointly, unless deposited into an account in the name of all payees
• Checks or items drawn on a financial institution located outside the US
• Checks or items that are remotely created, as defined in Reg. CC
• Checks or items not payable in United States currency
• Checks or items dated more than six (6) months prior to the date of deposit
• Checks or items payable on sight or payable through drafts, as defined in Reg. CC
• Checks or items with any endorsement on the back other than that specified in the agreement