Mobile Deposit Frequently Asked Questions


    Mobile Deposit
 Monthly Fee FREE*
 Daily Item Limit^ Up to 25 checks
 Daily Deposit Amount Limit^ Not to exceed $10,000
 Multi-day Item Limit^ Up to 150 checks
 Multi-day Deposit Amount  Limit^ Not to exceed $50,000


> Mobile Device Users

How do I enroll in Mobile Deposit?
If you are eligible, Settings>Mobile Deposit Enrollment

What if I want to enroll in Mobile Deposit for both my personal and business accounts?
All accounts in service

Do I need to qualify for Mobile Deposit?  
There is a review process we follow after you sign up for online banking. Essentially, we want to confirm your identity and ensure that your account is in good standing.

How long will the enrollment process take?
It is automatic with setup for online banking.

Which mobile devices support Mobile Deposit?
The Mobile Deposit service is available on most Android, Apple and BlackBerry mobile devices:

  • Operating System: iOS version 5.0 or later or Android version 2.3 or later (Note: Currently, Windows® Phone,Blackberry® and Kindle Fire™ operating systems are not compatible with our upgraded mobile banking app).
  • Camera: To utilize mobile deposit functionality, your mobile device must have a camera with more than 1.9 megapixels.

Can I log into the app on more than one mobile device?
Yes, register each device.

What if I forget my password?
To have your password reset, contact our Client Service Center: chat at by clicking the blue “Live Chat!” tab at the top of the page (7 a.m. to 10 p.m. ET weekdays, 9 a.m. to noon Saturday) or call us at 888.671.0400 toll-free (8 a.m. to 6 p.m. ET weekdays, 9 a.m. to noon Saturday).

Is depositing my check with a mobile device safe?
Yes. The link between your mobile device and our mobile deposit service is encrypted to industry standards. Your scanned check is secure and protected during transmission.

How do I make a mobile deposit+?
To make a mobile deposit, perform the following steps using the Mobile App:

  1. Log in to your Mobile App or Mobile website at
  2. Endorse the check(s).
  3. Select Deposit.
  4. Enter the amount of the first check and select the Deposit to account, then press Enter.
  5. Take a photo of the front of the check. Preview the image, then select either Retake or Use.
  6. Repeat this step to take a photo of the back of the check. Preview the image, then select either Retake or Use.
  7. The screen will say Uploading Transaction.
  8. Next, you will receive an Upload Successful message or an error message with an explanation of what information could not be read or found.
  9. If upload is successful, click Done to return to the home screen.
  10. Repeat the previous steps to submit additional checks or select Review to view previous deposits submitted in the last five calendar days. Up to 24 months of transactions and their status can be viewed online at
  11. Check your e-mail for confirmation that the deposit was successfully received. Follow-up e-mails will be sent when the deposit is approved and processed. All Mobile Deposit e-mails will come from
  12. After you receive the e-mail confirming your deposit has been approved, write Submitted for Mobile Deposit and the date on the front of the check.
  13. Destroy the check after 15 calendar days.

Where can I view my mobile deposits after they are submitted?
Successfully submitted deposits will display in the Review section of the mobile app for five (5) calendar days. You can view a longer history of deposits (up to 24 months) when you log on to the Mobile Deposit website. After the deposit has been posted to your account, the transaction will also display in your account transaction history in your online/mobile banking service and your monthly statement.

What should I do with the check once I have scanned and deposited my check?
We recommend that you write Submitted for Mobile Deposit and the date on the front of the check. You should hold on to the check for at least 15 calendar days after you receive an e-mail notification from us that your deposit has been approved. If for any reason your check is returned, we will send you an image of the item you initially deposited along with a notice detailing the reason the check was returned. 

What types of checks (or items) are eligible for Mobile Deposit?
Checks must be made payable to you, be drawn on a U.S. financial institution and be in U.S. dollars.

What types of checks (or items) are NOT eligible for Mobile Deposit?
The following items are NOT eligible for deposit via CCBMobile Deposit:

  • Canadian checks
  • Foreign checks
  • U.S. savings bonds
  • Treasury Tax & Loan (TTL) payments

Do I need to use a deposit slip?
No. Sending a clear scanned image of the front and back of the check is all that's needed for the deposit.

Do I need to endorse the check?
Yes. All checks deposited, regardless of how they are deposited, must be endorsed with your signature.

After I deposit my check with Mobile Deposit, when do I have access to my funds?
If the deposit is successfully completed by 8 p.m. ET, the deposit will be credited the same business day and the funds will be available the next day (provided no hold is placed). Deposits made on weekends and bank holidays will not be credited until the next business day. Deposits are subject to Capital City Bank Terms and Conditions and Funds Availability Policy. 

How will I know the deposit was accepted?
If you make the deposit during a business day before 8 p.m. ET., you will receive an e-mail from us that day letting you know if the deposit was accepted or if there was an issue. If you make the deposit after 8 p.m. ET during a business day or anytime on a weekend or holiday, you will receive notification the next business day.

I'm trying to use Mobile Deposit but I'm getting an error message. What is the problem?
If you are receiving an error message, the message should specify where the problem is and provide a prompt for how to resolve the error. Refer to the following for some common mistakes and other ways an error may occur:

  • Sign the back of the check before you take the picture.
  • The image of the check must be clear, and all four corners must be visible in the photo.
  • The check must be free of shadows.
  • If the check is wrinkled, make sure to flatten it before taking a picture.
  • Ensure there is good contrast between the check and the background surface.
  • After you take a picture, you will be able to review and retake it if necessary.

In addition, some items are not supported by Mobile Deposit because of check printing issues. Examples are:

  • Checks without a check number in the MICR line
  • Checks without an account number in the MICR line (Example: counter checks)
  • Checks encoded with a dollar amount
  • Checks with writing or printing that obscures any part of the MICR line

If you continue to receive the same error message, please take the check to a Capital City Bank office or ATM for deposit.

What do I do if the deposit isn't accepted? 
If there is an issue with the deposit, you will receive an e-mail giving you directions on what to do next.

Does Capital City Bank offer other mobile banking services?
Yes! We offer a mobile banking app for Apple and Android users that lets you check balances, view transactions, make transfers, pay bills and receive alerts. Go to for links to the app in iTunes and Google Play.


More Mobile Banking Services

*Capital City Bank does not charge any fees to use the standard CCBMobile Deposit service at this time.  All users should contact their wireless service provider to see if any connectivity or usage rates apply. Fees charged by the provider are the responsibility of the user. ^Daily and multi-day limits are calculated based on business days of the Bank as defined in our Terms & Conditions. “Multi-day” limits are based on the 20 consecutive business days prior to and including the date of the mobile deposit.           
07.08.18 updated


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