Mobile Deposits Designed to Move With You

Great question! Mobile deposit is an easy way to electronically deposit checks from your mobile device using our mobile app.

The best part? Mobile deposit is free¹ to Gate City Bank customers. Simply download the Gate City Bank mobile app to get started.

Mobile check deposits using the Gate City Bank mobile app are protected. Security features include enhanced security measures such as password protection, data encryption and internet firewalls to guard against unauthorized access.

Check images and other private information are not stored within the mobile app or on your phone, making a check deposit with the mobile app as safe as using online banking.

Don't have our mobile app? Download it today:

Great question! You need only be a current Gate City Bank customer with a checking or savings account to use mobile deposit. You must also be enrolled in online banking and have downloaded our mobile app. Before depositing your first check, you’ll need to read and accept the Mobile Remote Deposit Agreement. Don't have our mobile app? Download it today:

When you register for mobile deposit, you’ll receive an email that lists your personalized limits. You can also see your deposit limits by simply selecting “Deposit” on the bottom menu in online banking, then choosing the account in question.

Fear not! You’ll receive an email notification if your mobile deposit is declined. It’s best to check your email within one business day of your deposit.

The reasons for your mobile deposit being denied can vary. Your specific reasoning can be accessed within mobile deposit history by clicking on the deposit itself.

There are a number of reasons why checks may not be able to be deposited using the mobile app:

• Folded or torn corners.
• The front image is not legible.
• The amount entered doesn’t match the amount read by the scanning software.
• The routing and account numbers are unclear.
• The image is too dark.
• Endorsements are missing from the front or back of the check.

Some payment types aren’t eligible for mobile deposit, such as:

• Checks that don’t contain a nine-digit U.S. routing number.
• Checks payable to any person or entity other than you.
• Checks that contain evidence of alteration or fraud.
• Checks made payable to a business.

It’s easy! Simply navigate to “More,” then select “Settings” and “Contact.” (If you’re logged in from a web browser, navigate to “Tools,” then hit “Settings” and “Contact.”

You can view images of deposited checks by opening your account and selecting the “View History” folder icon at the top of the “Mobile Deposit” screen. Accepted deposits are available to view for 18 months, and deleted deposits are available to view for six months. A check recently deposited may take up to one business day to show up, and if a check is rejected, the reasoning will be explained in the history area.

So long as the mobile deposit status shows as “Held for Review,” you can delete the deposit. Simply select your account, then tap “Deposit” in the menu. From there, select the “View History” icon at the top-right of the screen, then locate the deposit labeled “Held for Review” and swipe left to delete it.