It’s that simple. Whether at home, in the office or on the go, we now meet your banking needs with even more convenience.
You can make a mobile check deposit directly by your mobile device (phone or tablet) into an eligible account without a trip to the bank or ATM.
Eligible accounts include Personal and Business Checking, Savings or Money Market accounts or a Business NOW account (such as one held by a sole proprietor). You must be enrolled in our Mobile Banking Service and have the latest version of our Mobile Banking App downloaded on your device.
In most cases, eligible accounts will automatically be signed up for Mobile Check Deposit. If you have an eligible account that has not been enabled, please contact your Private Banker or Treasury Management Officer for assistance.
Most domestic checks can be processed through Mobile Check Deposit. We are unable to accept Money Orders, Foreign Items, Savings Bonds, Third‐Party Checks, U.S. Treasury‐issued checks, or Substitute Checks through Mobile Check Deposit. For additional information and restrictions, reference our Mobile Banking Terms and Conditions Section 7(g).
Yes for both our Consumer and Business clients.
Yes. The cutoff time for processing Mobile Check Deposits is 4:00 p.m. (Eastern).
Yes. During the deposit process, you will be required to photograph the front and the back of your check.
You should sign your check with the following endorsement:
– For Mobile Deposit Only
– Your Account Number
– Your Signature(s)
You will receive a notification by email when your deposit has been received.
When your deposit is processed, you will receive a second email notification on the status of your deposit. This email will indicate if the deposit was approved or declined. If declined, a reason will be provided. Note: It is possible to receive an “approved” deposit notification and the deposit later declined, at which time you would be notified.
Deposits can be made with Mobile Check Deposit at any time. Deposits approved before our daily cutoff time of 4:00 p.m. (Eastern) will be available the next business day. Mobile deposits can be monitored on your mobile device. If a hold is placed on your deposit, you will be notified.
You can photograph multiple checks in the same session; however, you may only photograph one check per deposit. There is a limit of ten deposits per day through the Mobile Check Deposit feature.
You have the option to retake photographs of the check before submitting or you may cancel the deposit. If you are unable to photograph a clear image, please stop by with your check deposit at a Bank of Central Florida office.
No, keep the check for 14 business days to ensure it posts to your account. After verification of credited funds, you are encouraged to properly destroy the check. Do not VOID the check immediately after submittal in the event the deposit is not approved and needs to be re‐submitted. You should mark the check as “Mobile Deposit and the Date,” after a check has been accepted for deposit. Checks may be brought to any Bank of Central Florida location for destruction if other means are not available to you.
The Mobile Check Deposit service will display mobile deposit history and deposited check images for the last 30 days.
No, you do not need to resubmit your deposit. If you entered the wrong amount for the deposit, our operations department will generally identify and correct the deposit amount. In the event a re‐submittal is needed, you will be contacted by Bank of Central Florida.
If the same deposit is submitted twice, it generally will be identified and stopped by our processing area. Should this occur, you generally will receive a declined deposit notification for the second deposit received through the Mobile Check Deposit service. Note: Erroneous check deposits could result in termination of this service.
If a deposited item is returned, the substitute check should not be re‐deposited using the Mobile Check Deposit service. Make other arrangements to deposit the item such as taking it to a Bank of Central Florida location.
There is currently no charge.
Mobile Check Deposit terms and conditions are incorporated in the Mobile Banking Enrollment Terms and Conditions, which can be accessed in the Mobile Banking Center under the Manage Mobile Banking Settings once logged into Intelligent or Business eBanking.
South Lakeland (Headquarters)
5015 South Florida Ave.,
Lakeland, FL 33813
250 3rd St N.W. #102
Winter Haven, FL 33881
101 South Florida Ave.,
Lakeland, FL 33801
Plant City Commercial
111 S. Palmer St.
Plant City, FL 33563
1000 Legion Place, Suite 1200
Orlando, FL 32801
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