What is Mobile Deposit?
Platte Valley Bank's Mobile Deposit allows users to deposit checks through Platte Valley Bank's Mobile Banking App, as long as the user has access to a data connection on their mobile device. Users will be able to make deposits with their mobile device and see a history of all deposited items that have already been processed.

Mobile Deposit is only accessible to users via the Mobile Banking App.

Deposit Approval

Deposits will be reviewed before posting
Deposits will not memo-post or show as a pending credit. Deposits made prior to 4:00pm Central Time will be available to you the next business day. Deposits made
after 4:00 pm Central Time will be available on the second business day.
Platte Valley Bank reserves the right to delay the availability of funds for up to 5 business days.

Deposit Status

You can verify the status of your deposit by logging into your Mobile Banking App and clicking on Deposits, and then click on Deposit History.
Your deposit will be placed in the following statuses: Pending, Approved or Failed.

Q. Who is eligible for Mobile Deposit?
A. Customers who have personal checking or savings accounts and have met certain account criteria are eligible for Mobile Deposit.

Q. What if an account is not listed in Mobile Deposit?
A. In most cases, eligible accounts will automatically be enrolled in Mobile Deposit. If you have an eligible account that has not been enabled, please call us at 816-858-5400 for assistance. Please note that accounts are pre-qualified prior to being authorized for use with Mobile Deposit.

Q. What types of checks can I deposit with Mobile Deposit?
A. Most domestic checks can be processed through Mobile Deposit. We are unable to accept Money Orders, Foreign items, Savings Bonds or Third Party checks. The check must be made payable only to the owners of the account.

Q. Are there any limits on the dollar amount of deposits I can submit?
A. Yes. There is a daily deposit limit of $5,000.00 and a maximum check deposit limit of $5,000.00 per day.

Q. Do I photograph both the front and the back of my check?
A. Yes. During the deposit process you will be required to photograph the front and back of your check.

Q. How do I endorse my check for Mobile Deposit?
A. The required method of endorsement is as follows:

For eDeposit only
Platte Valley Bank
Account Number
Signature and Date

Q. How will I know if the bank received my deposit?
A. You will need to log into your Mobile Banking App and check on your deposit status, which can be found under Deposit History.

Q. When will my deposit post to my account?
A. Deposits made prior to 4:00 pm Central Time will be available to you the next business day. Deposits made after 4:00 pm Central Time will be available the second business day. Platte Valley Bank reserves the right to delay the availability of funds for 5 business days.

Q. Can I photograph more than one check at a time?
A. No. You may only photograph one check per deposit.

Q. What if the check image I photograph is bad?
A. You have the option to retake the photograph of the check before submitting or you may cancel the deposit. If you are unable to photograph a clear image, please bring the deposit to a Platte Valley Bank Financial Institution.

Q. Do I destroy my check after I photograph the deposit?
A. Once your check has received the "accepted" status, you agree to prominently mark the item as "Electronically Presented" and properly and securely dispose of the item to ensure that it is not represented for payment. You agree to never cash, negotiate, deposit or present this item or an image of it with us or any other financial institution, person or entity.

Q. Can I make my opening deposit through Mobile Deposit?
A. No. At this time the Mobile Deposit functionality cannot be used to initially fund an account.

Q. What if I submitted a deposit for the wrong amount? Do I need to resubmit the deposit?
A. No. You should not resubmit your deposit. If you entered in the wrong amount for the deposit, the operations center will correct the deposit during the deposit review.

Q. What if I submit the same deposit twice in error?
A. If the same deposit is submitted twice, it will be identified and stopped in our processing area. Should this occur, you will see a "failed" status for that deposited item.

Q. A check I submitted was returned. Can I resubmit it?
A. If a deposit is returned, please do not re-deposit the check through Mobile Deposit. You will receive written communication through the US Postal service with instructions if a deposit is returned.

Still have questions?