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Frequently Asked Questions

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Towne-Personal/Biz Mobile Check Deposit FAQ

  1. Who is eligible to use Towne-Personal/Biz mobile check deposit?

    Mobile check deposit is available to all TowneBank members who are currently enrolled in Towne-Personal/Biz and have an account in good standing.  You must have the most current version of the TowneBank mobile banking app downloaded to your device.

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  2. Are there limits to how much I can deposit?

    Deposit limits are based on several criteria. Towne-Personal/Biz users who have been members for less than 30 calendar days may deposit up to $1,000 in a day or up to $3,000 in one month.

    Towne-Personal/Biz users who have surpassed 30 days and who have an average account balance under $5,000 may deposit $8,000 in a day or $8,000 in one month.

    Towne-Personal/Biz users who have surpassed 30 days and who have an average account balance equal to or over $5,000 may deposit up to $10,000 in a day or $60,000 in one month.

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  3. Is there a cost to using mobile check deposit?

    TowneBank does not charge any fees to use the mobile check deposit service. However, it is important to note that deposits made with this service may be subject to item processing fees if you have exceeded the monthly limit on deposits and/or debits associated with your checking account type.  

    In some instances your carrier's data access fees may apply.

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  4. What types of checks can I deposit?

    You can deposit checks written to you that originate from a U.S. Bank. We are unable to accept savings bonds, cashier's checks, traveler's checks, counter checks, money orders or photocopies of checks.

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  5. Will my deposit be available immediately?

    Deposits made prior to 6:00 p.m. should be generally available the next business day. All deposits are subject to holds and verification.

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  6. Is mobile check deposit secure?

    The privacy and security of your financial information is critically important to us. The security measures in place for Towne-Personal/Biz on your desktop computer are also implemented on the mobile application such as 128-bit encryption, firewalls and multi-factor authentication. Check images and account information are not stored on your mobile device. We encourage you to review our mobile banking security tips to learn more about how to protect your device and your information.

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  7. How do I know if there is a problem with my check deposit after I submit it?

    If a problem arises with your deposit, such as a returned check, we'll send a written notice to your primary address by U.S. mail.



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  8. What do I do with my paper checks after I have made my deposit?

    We recommend that you store your paper check in a secure location for at least 30 days after you have made your deposit. Once your deposit has been accepted take care in destroying the check so that account numbers, routing information, and signatures cannot be read.

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  9. I access my accounts through Towne-Biz Plus, can I use mobile check deposit?

    Mobile check deposit is only available to our Towne-Personal and Towne-Biz members. However, we have other remote deposit options available to Towne-Biz Plus members. Learn more about our Deposit Wizard service or contact a hometown banker.

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  10. Who can I call if I have questions on how to use mobile check deposit?

    Please contact our eChannel support team Monday – Friday from 8:30 - 6:00 p.m. at 757-638-6714 if you have questions concerning how to use mobile check deposit. 

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