Mobile Check Deposit

Our Mobile Banking App makes depositing a check as easy as snapping a picture on your phone. With the same security and protection as Online Banking, you can enjoy the convenience of making deposits on the run or on the couch. The FREE Mobile Check Deposit feature allows you to deposit a check without a trip to the bank or Sutton ATM. First of all, please ensure that you are using the latest version of the Sutton Bank Mobile App.

If you are a consumer customer of Sutton Bank, and you do not see the Deposit icon at the bottom of your account screen on your mobile device, you will need to contact our call center at 419-426-3641 or 800-422-3641 to have the service enabled. Once you have been notified that the service is enabled, you will be ready to enjoy the convenience of mobile deposit. Each check must be endorsed to complete a valid deposit. Endorsement must include your signature and the phrase "for mobile deposit only."

For the first time, our businesses can now enjoy the convenience of a Mobile App, Sutton Bank Business Mobile, which can be found in the App Store. They will also have the availability of Mobile Check Deposit! See our Commercial Services Cash Management (Business Online Banking) page.

    • Make deposits anytime, anywhere
    • Save valuable time
    • Avoid extra trips to the bank
    • Supported by iPhone®, iPad®, and Android® devices
    • Download the Sutton Bank mobile app

    How secure is Mobile Check Deposit?

    Mobile Check Deposit provides the same security that you have with our online Banking. As an additional protection, the images of your checks are stored securely at the bank after successfully processing and not on your mobile phone.

    What types of checks are accepted with Mobile Check Deposit?

    • Personal checks
    • Business checks
    • Government/Treasury checks
    • Cashier's checks

    Checks must be from a U.S. institution and in U.S. dollars.

    Are there any checks that cannot be submitted using Mobile Deposit?

    You agree that you will not use Mobile Deposit to deposit:

    • Checks drawn on the account in which you are making the deposit
    • Checks that are "stale dated" (6 months or older) or "postdated"
    • Checks that is not fully written out or are incomplete (i.e. missing the date, missing the payee, etc.)
    • Checks that contains evidence of alteration to the information on the check
    • Checks stamped with a "non-negotiable" watermark
    • Checks payable to any person other than you (no third party checks)
    • Checks previously submitted through this service or previously deposited at any financial institution
    • Savings Bonds
    • Foreign checks

    What are my Check Deposit limits?

    Each account is unique and there are limits for Mobile Check Deposits. Please contact our call center to determine your deposit limit. If your limit is too restrictive for your normal deposit activity, the limit can be reviewed and adjusted. Just call or email customer service at 800-422-3641 or

    How should I endorse the check?

    The back of each check must include: The words "For Mobile Deposit Only" and your endorsement (payee's signature)

    PLEASE NOTE: If the back of the check is not properly endorsed for mobile deposits, we reserve the right to reject the deposit.

    When will my funds be available?

    Deposits are subject to verification and funds may not be available immediately. Check deposits received by 4:00 on a business day are usually available in your account the next business day. Business days are Monday thru Friday (excluding posted holidays).

    What happens if there is an issue with the deposit?

    Once you've made your deposit, you'll get an email confirmation that we've received your deposit and are processing it. If there are any problems with the check image itself or the endorsement, the deposit will be rejected and you will receive an email notification indicating why it was rejected. You can redeposit the check using the mobile application if you receive such notice. If there is any problem with the transaction, like insufficient funds for the check deposited or potential fraud, you'll receive a letter in the mail asking you to bring the check to a Sutton Bank branch to resolve the issue.

    What time do I need to deposit my check in order for it to be available the next day?

    The cut-off time for Mobile Check Deposits are currently 4:00 pm Eastern time.

    Are there any fees?

    No! Mobile Check Deposit is a FREE service! However, we recommend that you check with your wireless service provider to see if there are any wireless carrier fees.