Get a grip on your finances. With State Bank Mobile Banking you can manage your accounts anywhere, anytime and any way you want it. We offer three convenienet methods for you to choose from: Text Banking, Mobile Web Browser, and a Mobile Application for Apple and Android devices. It is easy to mange your finances on the go when you take advantage of State Bank’s mobile banking.
- Check the available balance in your accounts
- Transfer money between your accounts
- View recent transactions
- Pay bills
- Deposit checks
- Three Methods of Mobile Banking - Text Banking, Mobile Application, Mobile Browser
- Downloadable Mobile Application available for Apple and Android devices. Be sure to search for the bank name in quotation marks for the best search results. (ex: "State Bank of Missouri", "Chillicothe State Bank", and "The State Bank Richmond".
State Bank Mobile transactions are secure. We protect your personal information from unauthorized access through advanced encryption technology.
To enroll, download the app in Google Play or the Apple App Store. Once installed on your device, existing Internet Banking users whill be asked to enter an Activation Code. New users, can select the enroll for Internet Banking link. You can also LOG IN to your Internet Banking account. Place your cursor over the Welcome bar at the top of your screen and select "All Services and Settings" from the drop down list. Then select Mobile Enrollment under the Banking Services section. You will be redirected to our Mobile Enrollment site. Please have your phone handy for fast enrollment. We are proud to offer mobile banking to all of our customers. It is easy, fast, convenient and FREE*!
*Data and text charges from your wireless carrier may apply. Please check with your wireless carrier for pricing details of your plan.
Mobile Check Deposit
Do you sometimes need to deposit a check and don't have time to stop by the bank? Then Mobile Check Deposit available within our Mobile App for Apple and Android may be right for you! Its secure, its fast, its convenient, and its free! Download our App in the Apple Store of Google Play to begin using Mobile Check Deposit today!
Frequently Asked Questions
What is Mobile Check
Deposit and how does it work?
Mobile Deposit allows you to deposit a single check to your checking account by simply taking a picture of the front and back of the check with a camera-enabled smart phone.
What kind of mobile device
will work for Mobile Check Deposit and what are the device
State Bank’s Mobile App will work on iPhone® and Android™ operating systems.
Are there enrollment
eligibility requirements to use Mobile Check Deposit?
User requirements include you must be enrolled in Internet Banking to enroll a checking, savings or money market account for Mobile Banking with Mobile Check Deposit. You must also demonstrate financial responsibility when using Mobile Check Deposit.
Is there a fee for Mobile
The Bank will not charge you a fee for this service.
Will I be charged by my
mobile carrier for this service?
Your standard wireless carrier charges may apply. You can check with your carrier for your plan features.
Do I need to endorse the
check I am depositing?
Before transmission, our Mobile App will direct you to appropriate endorsement requirements. Checks should be endorsed with ‘For Mobile Deposit Only” and your signature to be considered for deposit.
Is there a limit to the
dollar amount that I can deposit using Mobile Check Deposit?
All items deposited via Mobile Check Deposit are subject to Bank review and/or approval. Limits are as follows: Daily Amount → $5,000.00.
What do I do with the check
after I have submitted the image for deposit?
Shortly after your deposit submission, you will receive a verification email for both submission and approval. Once you receive your approval email and can see your deposit transaction listed in your account history, we require you to safely retain the check for 14 calendar days and then shred or securely destroy the check. Do not bring the check to the bank or attempt to deposit or cash the check by any other method after submission.
Does an image of the check store on my phone’s memory?
No. Images of the front and back of the check are not stored on your phone’s internal memory for security purposes.
How quickly will the
deposit show up in my account?
Mobile Check Deposits received before 3 pm Central Time on a Business Day are generally made available for use on the next Business Day. Provisional credit (memo-credit) will not be given for deposits made by Mobile Deposit. This means you will not be able to withdraw cash against the deposit until it is actually posted to your account. Please note all deposits are subject to review and/or final approval by the Bank. Please retain your check for 14 days and then securely destroy it.
Business days are Monday-Friday, with the exception of Federal holidays.
Can I use the same ID and
password that I use for Online Banking?
Yes, your Online Banking Login User ID and Password is the same for Mobile Banking. You must have our Mobile App to access Mobile Check Deposit.
Is it easy to take good
pictures from a camera phone?
Camera phone customers are generally familiar with their device and with taking a picture of a friend – or a check! The Mobile App has been designed to be simple for a customer, but also robust enough to catch errors. After a customer takes images of both the front and back of a check, the Mobile Deposit app will analyze the images for quality and will provide you with feedback almost immediately. You will be notified if the images have been submitted successfully and when the transaction is complete.
How long does it take to upload a deposit?
The speed of your submission depends on the speed of your data connection. Submissions made over a wi-fi data connection are the fastest.
What types of checks are not accepted for Mobile Check Deposit?
The following checks are not accepted for MCD:
(Taken from the Mobile Banking Terms & Conditions)
- Check(s) totaling more than $5,000.00 per business day
- Checks payable to any person or entity other than the depositor
- Checks that have been previously deposited or have been converted to an image replacement document
- Checks containing any alteration or which the depositor should know or suspect are fraudulent or otherwise not authorized by the owner of the account which the check is drawn on
- Checks made payable jointly, unless deposited into an account in the name of all payees
- Checks that have been previously returned, stop payment or account closed
- Checks that were previously submitted through a mobile check deposit service offered at any other financial institution
- Post-dated checks or Stale-dated checks
- Money orders or Cashier’s Checks
- Starter Kit checks and counter checks
- Foreign checks or checks not payable in U.S. currency.