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Mobile Deposit

Mobile Deposit

Conveniently deposits checks from anywhere using your Smartphone or Tablet.

Cross Keys Bank's Mobile Deposit feature within the Mobile Banking App allows you to deposit checks up to $25,000. 

With Mobile Deposit you can:

  • Save yourself a trip to the bank. No more lines, no more deposit slips, and no more working your schedule around branch hours.
  • Select the eligible checking or savings account to which you would like to deposit your check.
  • Snap a photo of the front and back of your endorsed check to securely submit it for deposit processing.
  • View your deposit history, including accepted, failed and pending deposits.
Deposit Tips:

  • Properly endorse the back of the check.
  • Keep checks tens days, then securely destroy
  • Same-day credit for deposits submitted before 3:00 pm on business days (will not memo post)
  • Check your email for status updates of check deposit
  • Deposit Received does not mean Deposit Approved


Mobile Deposit FAQs

Q: What is Mobile Check Deposit?
A: Mobile Check Deposit is a convenient, easy way to deposit checks from your mobile phone into one of your accounts. With the Cross Keys Bank Mobile Banking app on your iPhone®, Android® Phone, iPad®, Android Tablet® or Kindle Tablet, you can take a photo of your check, enter the check information and securely submit your deposit for processing.

Q: How do I access Mobile Check Deposit?
A: You must download the App and enroll your device. Then log in with your Online Banking Credentials.

Q: How should I endorse checks that I submit through Mobile Remote Deposit?

A: Each check MUST be endorsed on the back as follows:

  • The payee's signature (if this is a Business Account make sure to include the Business name and signature of the person making the deposit)
  • last 4 digits of the account number
  • Today's date (mm/dd/yyyy)
  • print "Cross Keys Mobile Deposit Only"

PLEASE NOTE: If the back of the check is not properly endorsed, Cross Keys will reject the check and you will be asked to resubmit the deposit.

Q: When will my deposit be credited to my account?
A: Deposits made before 3pm CST will be available the next business day. Deposits made after 3pm CST will not be available for 2 business days. Items will not be memo posted to your account.

Q: What should I do with the hard copies of my checks?
A: After successfully submitting a deposit with Cross Keys Bank Mobile Check Deposit, it is advisable that you keep all original documents for 10 days then shred the items.

Q: How much is the deposit limit?
A. You cannot deposit a check over $24,999.99.

Q: I get an error that states my camera access is unavailable or restricted. How can I make my app work?
A. Verify in your Phone Settings that you have Allowed Cross Keys to have access to the Camera within the Cross Keys Bank App.

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