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Mobile Check Deposit

Make deposits in a snap – literally. If you have a smartphone, simply sign your check, snap a picture of it and follow the prompts to deposit it right through your phone. Simply enroll in online banking, install the app on your phone and get started.

  • Save time
  • Reduce travel
  • Enjoy faster access to your funds*
  • The service is free, although text and data rates may apply
*Processing and Availability times may vary.

Once you are enrolled in online banking, you may use the mobile app or mobile browser:

  • Download our app by searching “Peoples Bank NC” on the App Store or Google Play, or click here on your mobile phone.
  • Enter the same Access ID and Passcode you use for online banking to log in.
  • Answer the security question, accept the Terms of Service and enter your phone number.

Get it on Google Play Download on the App Store

Is there a fee to deposit my check with my mobile phone?

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.

How do I know if I'm eligible to use Mobile Check Deposit?
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.”


Can I use Mobile Check Deposit with any mobile device?
You must have an iPhone or iPad (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.

Are my checks deposited immediately?
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.

How do I view my deposit history?

  • Sign in to the Peoples Bank app and select the “Deposit” tab.
  • Select the “Get Deposit History” 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.

What should I do with the paper copies of my checks?
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.

What types of checks can I deposit using Mobile Check Deposit?

  • 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
  • Any check where the amount is not visible on the check image

What are the limits for deposits made using Mobile Check Deposit?
Consumer accounts: There is a daily limit of $3,500 and a monthly limit of $7,500 (30 consecutive calendar days) per user access ID.

Business accounts: There is a daily limit of $5,000 and a monthly limit of $20,000 (30 consecutive calendar days) per user access ID.

What is the cutoff time for Mobile Check Deposit?
The cutoff time is 6 PM Eastern Time.

How do I endorse the back of my check?
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

Do I get a receipt for my deposit?
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 “monitor@ensenta.com”. Encenta is the third party company that created the Peoples Bank app.