Mobile Deposit Capture is a feature of APP Banking that allows businesses to deposit money into certain accounts at Bank of Botetourt using a mobile device camera via the Business Mobile Banking App. To use Mobile Deposit, a business must be an account holder of Bank of Botetourt and have agreed to the Online Banking Terms and Conditions and this agreement including all exhibits. Customers may transmit deposits to us electronically only from a mobile capture device located in the United States.

• An iPhone or iPod touch that has a camera and an operating system of iOS 5.0 or later
• An iPad that has a camera and an operating system of iOS 5.0 or later
• An Android smartphone that has a camera and an operating system (OS) of 2.2 or later

You can use a mobile device to deposit checks into any of the following accounts that are linked to the user profile:

• Checking Account
• Savings Account

Check Deposit can be used for common personal and business checks drawn on U.S. banks and in U.S. currency. Please note: All checks must be payable to the owner of the account and be endorsed on the back.

• Acceptable types of checks:
  • Personal checks
  • Cashier’s or bank checks
  • Certified checks
  • Federal Reserve checks
  • Money orders
  • U.S. Treasury checks
  • Traveler’s checks
  • Business checks
• Unacceptable types of checks:
  • Checks payable to any person or entity other than you, or to you and another party.
  • Checks containing any alteration of which you know or believe to be fraudulent or not authorized by the owner of the account on which the check is drawn.
  • Checks that are not in original form with an original signature, such as substitute checks or remotely created checks.
  • Checks drawn on a financial institution located outside the United States.
  • Checks not payable in United States currency.
  • Checks or items on which a stop payment order has been issued or for which there are insufficient funds.

Yes. There is a deposit limit applied based on multiple factors, which may include your relationship with Bank of Botetourt.

No. After completing the transaction, the check photos will no longer be stored on the device.

• Make sure that the funds deposited are available by checking your available balance.
• Keep the check for at least 60 days, and then destroy it. Please keep the check in a secure location to avoid loss or theft.

One. Mobile capture requires you to capture the front and back of each check before it can be processed. Once the check has been deposited, another check can be deposited in the same manner up to the daily user limit mentioned above.

Yes. Holds can be placed on deposits made with a mobile device, just as they are for deposits made at ATMs. Deposits could be subject to a hold period, please refer to Bank of Botetourt’s Funds Availability Disclosure associated with the Account to determine when funds will be available for withdrawal.

Yes. Checks will be rejected if they are not properly endorsed.

The time it takes for a check to clear using Mobile Banking is the same as if the transaction had been performed at a branch location.

Funds are normally available within two business days unless notified otherwise. Please keep your paper check until the funds are posted to your account. Return later to Mobile Banking to view your deposit status.

To determine when funds are available for use, please check the Available Balance in the applicable account. Once the deposited funds are available for use, please keep the check for an additional 60 days before destroying it to ensure the issuing party or institution has honored the check.

If the check images are unacceptable, try to make the deposit again by retaking pictures of the front and back of the check and re-submitting the deposit. Remember to endorse the back of the check. Then place the check on a well-lit, flat surface with a dark background, avoid shadows, hold the camera steady and make sure all four corners of the check appear inside the guidelines.

If there are network issues, please try to make the deposit later.