Mobile Deposit lets you deposit checks quickly and easily in your Champlain National Bank account using your smartphone or tablet. Stay organized without the worry of lost or misplaced checks because you can securely process them as soon as you receive them. Receive funds faster, and save time, money, and fuel with fewer trips to the bank. Bank on your schedule!
what can i deposit?
You will be able to deposit up to five checks per day, with a maximum of 15 checks per month. Dollar amount restrictions are $2,500 per day and $5,000 per month. Most types of checks can be deposited, however some exclusions apply such as checks drawn on foreign banks or in foreign currency, post-dated and stale dated checks, and third party checks.
tips for using mobile deposit
You will need to download the Champlain National Bank App to your smartphone or tablet.
Your endorsement on the back of each check must include: “For Mobile Deposit Only” or the check may be rejected. Please print this clearly and on one line. You must also place a check mark in the Mobile Deposit box if there is one.
Make sure you are snapping a clear picture of the entire check, both front and back.
You will receive a confirmation email when a deposit has been successfully transmitted.
Retain the check for 30 days after you make the deposit in a safe place. You can destroy it after the 30 day window.
when are the funds available?
If you submit a deposit to us on a business day before 5:00 pm, the deposit will be credited to your account that day and made available the next business day. Deposits made after 5:00 pm and on non-business days (Saturday, Sunday, and federal holidays) will be credited to your account the next business day and available to you according to our Funds Availability Policy.
how we handle deposit issues
A deposit will be rejected if the check image is blurry, the check was already deposited, or if the check is not properly endorsed. You will also receive an email from us, letting you know the deposit was rejected. If you enter the check amount incorrectly, your deposit will be adjusted and you will be notified by email.
what's the cost?
Champlain National Bank does not charge for its Mobile Deposit service. However, your wireless provider may assess data rates, and you will be responsible for those charges.
who is eligible?
Any personal deposit account that’s been open for at least 90 days with no history of overdrafts, returned items, or past due loan payments can take advantage of Mobile Deposit. You must also be at least 18 years old.
safe and secure
Keeping your accounts safe while you are using our Mobile App is our priority. Users are automatically logged off after 10 minutes of inactivity, however, the last viewed screen will remain open and if further action is attempted, the login page will display. Closing the App on the mobile device will also log a user out of the system. Your account information is not stored on your mobile device after accessing the Champlain National Bank Mobile App.
how do i apply?
Complete the Mobile Deposit Enrollment Form at the bottom and return it to the nearest Champlain National Bank branch. You can also mail it to us.