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Mobile Deposit

Enjoy the convenience of depositing a check from your mobile device through NBT Bank Mobile Banking. Before getting started, please keep the following in mind:

  • You may only deposit one check at a time.
  • Foreign checks cannot be deposited using Mobile Deposit.
  • Checks may only be deposited into a personal or business checking account.
  • Endorse your check as you normally would for any other deposit. NBT Bank recommends specifying "For Deposit Only" Please do your best to ensure your endorsement is legible.
  • Business Customers: Account supervisors must grant permission for individual users to access Mobile Deposit. Detailed instructions are available in the How To Guide.

How To Make a Mobile Deposit:

  1. Select "Deposit" on the Mobile Banking main menu.
  2. Select the account you wish to make the deposit to from the drop-down menu.
  3. Enter the amount of the check you wish to deposit.
  4. Select "Check Front." Using your mobile device's camera, take a photo of the front of the check in landscape format. To help ensure the check can be processed, please make sure the check is not ripped or damaged. Choose an area with good lighting to take the picture of your check. Please also ensure that all four (4) corners of the check are captured in the image. You may tap the image of the check to verify that the image is clear.
  5. Select "Check Back." Using your mobile device's camera, take a photo of the back of the check in landscape format. You may tap the image of the check to verify that the image is clear.
  6. Verify that both images have been captured and that the deposit amount, account and date of deposit are accurate.
  7. Select "Make Deposit" to complete your deposit.
  8. After making a Mobile Deposit, NBT Bank recommends storing the check in a safe place until you have received confirmation that the check has been successfully deposited into your account. You may then store the check in your personal or business banking files for recordkeeping or destroy the check.

Use of Mobile Deposit demonstrates acceptance of NBT Bank's Mobile Disclaimer.

Popular Questions


Yes, Mobile Deposit is available to all business customers enrolled in NBT Bank Mobile Banking in addition to its availability for personal banking customers.

To make a Mobile Deposit, please endorse your check as you normally would for any other deposit. NBT Bank recommends specifying "For Deposit Only".

For the security of your account and accuracy of your account transactions, Mobile Deposit will conduct several tests to ensure your check complies with the Federal Reserve standards for clearing check images. Our recommendations to meet those requirements include:

  • To support the check's image quality
    • Take the picture of the check in a well-lit environment
    • Take the picture in landscape mode
    • Ensure that the check is not torn or distressed
    • Ensure that the handwriting is clearly legible.
  • Please also ensure that the amount of the check matches that which you entered manually on the Deposit screen.

If you continue to experience difficulty, please visit your local NBT Bank office for deposit assistance.

No. Mobile Deposit will only process checks that have been issued in the U.S.

If you submit a Mobile Deposit before 6:00pm on a bank business day, your funds will be available the next business day. Deposits made after 6:00pm will be processed the next business day and available the business day following.

Holds will be placed on a case-by-case basis and in accordance with NBT Bank's Funds Availability Policy, which is available in the Consumer Deposit Account Agreement. Holds might not immediately show on the account.

We reserve the right to reject any item transmitted through the Mobile Deposit services, at our discretion.

Yes. As long as the individual is a joint owner on the account and the check has been properly endorsed the check can be deposited.

No, you can skip the slip with Mobile Deposit. All of the information gathered from a deposit slip will be captured electronically.

No. Mobile Deposit will only allow deposits to be made to an NBT Bank checking account.

Limits for NBT Mobile Deposit are as follows:

  • There is no limit to the number of checks that can be deposited in a single day
  • The total value of all checks deposited using NBT Mobile Deposit in a single day cannot exceed $3000 or $5000 in any month.

Typically, funds from a Mobile Deposit completed before 6:00pm on a business day should be available in your account the next day. If that time has passed and you do not see confirmation of your deposit, please contact NBT Bank Customer Service at 800.628.2265 for assistance.

Yes, you can deposit a money order or traveler's check.

No, a check can only be deposited to a single checking account. After the deposit has cleared, you may then transfer funds between multiple accounts.

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