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 Mobile Check Deposit feature allows you to deposit a check without a trip to the bank or ATM. After you log in to Mobile Banking, you may apply for Mobile Deposit. If you do not see the prompt, you may need to download the latest version of the Sutton Bank Mobile App.

If you are a consumer customer (not business) of Sutton Bank, you may be already pre-approved for this service. If that is the case, your daily limit will appear on the screen, and deposits can be made immediately. If not, your will need to apply, and will be notified of a decision within one business day. A fee of $.50 per deposit will be assessed following processing by the bank. Each check must be endorsed to complete a valid deposit. Endorsement must include signature and the phrase "for mobile deposit only."

    Summary
    • 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
    FAQs

    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. Your limit is displayed when you select your deposit account. Once you've hit that limit, you cannot deposit another check with the App until the limit is reset. There are Per Check Limits, Daily Limits and a revolving 30 day limit assigned to each user. If your limits are too restrictive for your normal deposit activity, the limits can be reviewed and adjusted. Just call or email customer service at 800-422-3641 or custservice@suttonbank.com

    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 the cut off time 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 the same as any in-branch deposit (typically 4:00 pm Eastern time). Checks received by the cut off time on a business day are considered deposited on that business day.

    Are there any fees?

    There is a $0.50 fee for using Mobile Check Deposit service which will be charged to the account the check is deposited into, and we also recommend that you check with your wireless service provider to see if there are any wireless carrier fees.