Mobile Check Deposit

There is currently no charge associated with this service. However, there may be charges associated with text messaging and data usage on your phone. Check with your wireless phone carrier for more information.

Your Peoples Bank account must be in good standing to access the Mobile Check Deposit feature of the app. You must also have a deposit eligible account, such as a checking or savings account, to use this feature.

If you are ineligible for Mobile Check Deposit, you will receive the following message:

“You are not currently eligible for Mobile Check Deposit. Please contact Customer Service at 877-802-1212”

You must have an iPhone (3G or higher) with iOS 4.0 or higher or Android OS version 2.1 or greater to use Check Deposit. Older devices without a camera, iPod touch are not supported. You must also download and install the latest version of the Peoples Bank app.

Successfully submitting your check images with your mobile device will begin the deposit process. However, the processing and availability times to complete the deposit may vary. Check your “Deposit History” to see your deposit status.

• Sign in to the Peoples Bank app and select the “More” tab.
• Select the “Check Deposits” button and navigate to your check deposit history list.
• Click on a single deposit to view the available transaction detail.
• Deposit History shows deposit details from the past 90 days.

After successfully submitting a deposit with the Peoples Bank Mobile Check Deposit, it is advisable that you keep all original documents in a safe place for your personal records for 60 days.

We also recommend making a note on the bottom of the back of the check as a reminder that you deposited the check via Mobile Check Deposit. For example, you can write “deposited” and the date.

• Personal checks made payable to you
• Business check made payable to you
• Checks drawn from a United States Bank

The following checks will not be accepted using Mobile Check Deposit:

• US Treasury checks
• Travelers checks
• Savings bonds
• Money orders
• Any check where the amount is not visible on the check image

Consumer accounts: There is a daily limit of $5,000 and a monthly limit of $10,000 (30 consecutive calendar days) per user access ID.

Business accounts: There is a daily limit of $10,000 and a monthly limit of $30,000 (30 consecutive calendar days) per user access ID.

Deposits made before 6:00 pm EST will typically be available the next business day. Deposits made after 6:00 pm EST may not be available for 2 business days. Processing days for Mobile Deposit are Monday-Friday, with the exception of Federal holidays.

A properly endorsed check must include all three of the following:

• Signature of payee (checks must be made payable to the account holder)
• “For Mobile Deposit Only”
• Peoples Bank account number

Users have the option to include an email address to receive an email receipt when filling out the deposit information screen. The sender of the email will be “mobilecheckdeposit@peoplesbanknc.com”.