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Mobile Check Deposit

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What is Mobile Check Deposit?

Commercial Bank & Trust Company’s Mobile Deposit allows you to deposit checks to your checking or savings account using the camera on your iPhone® or Android™ device.

What do I need in order to use Commercial Bank’s Mobile Deposit?

To use Commercial Bank Mobile Deposit, you must have NetTeller, be enrolled for Mobile Banking (through Mobile Settings), and have a smartphone.

The iPhone App version downloaded must be version 2.7.6ps or greater. The Android App version must be version 2.0.0 or greater. If you haven’t downloaded our App yet, when you do you will have the most recent version. If you have already downloaded our App, you may need to delete the App, and re-download the app, or check to see if an update is available.

How do I get the app on my Smartphone?

Search for Commercial Bank & Trust Mobile Banking in the Apple Store or the Android Market and download the application to your smartphone.

How do I know what version my App is?

When you open the Commercial Bank Mobile Banking app, the version should appear on the bottom right-hand corner of the login screen. If it is not there, you more than likely have an old version. Check the Android Market or Apple Store for an update.

When I log in to the app, it tells me my account is inactive. Why?

Your account hasn’t been enrolled for Mobile Banking yet.

How do I enroll for Mobile Banking?

Log in to your Commercial Bank NetTeller account from a secure internet browser. Select the Options tab and click Mobile Settings on the menu bar. Checkmark “Activate Mobile Banking Access,” check the accounts you wish to have access to with mobile banking, and complete your cell phone number and cell phone service provider. Accept the terms and conditions and press Confirm.

If I’m already enrolled for Mobile Banking, do I have access to Mobile Deposit automatically?

No. You need to fill out an application for the Mobile Deposit portion of Mobile Banking.

So how do I enroll for Mobile Check Deposit?

Log on to and download our Mobile Deposit Application, or pick one up at a branch. Fill out, sign and send the application to us. You can mail to us at: Commercial Bank, Attn: Mobile Deposit, PO Box 1000, Paris, TN 38242; fax to us at 731-641-9457, or drop it off at your local branch. You will be notified by email once your Mobile Deposit is ready to use. Or use this link for quick access to the online form.

Am I eligible to use Commercial Bank Mobile Deposit?

In order to be eligible for Mobile Deposit, you must have demonstrated financial responsibility with all Commercial Bank accounts. If your application is approved, you will receive an email notification from that your Commercial Bank Mobile Deposit is ready to use.

Are there limits for deposits made through Mobile Deposit?


By default, CONSUMER limits are:

By default, SMALL BUSINESS limits are:

Will I have another password to remember?

No. You can login using your existing NetTeller ID and password.

Are there any fees?

Currently, there is no fee or charge assessed by us for you to enroll in or use our Mobile Deposit service; however, we may assess fees or charges in the future. Should we assess fees in the future, you will receive notice as required by law. Any fees associated with your standard deposit account (s) will continue to apply. You may, however, incur charges to receive Internet service on your mobile device from your wireless carrier. You may also incur charges from your wireless carrier when sending and receiving text messages. You will be solely responsible to your wireless carrier for any such Internet or text messaging charges.

Do deposits process on the same day?

Deposits received by 4pm Central Time are processed that business day. Deposits received after 4pm Central Time are processed on the next business day. Weekend or holiday deposits are also processed on the next business day.

When are funds made available to me from deposits made through Mobile Deposit?

Mobile Deposits will generally be made available to you on the same business day as the deposit date, provided that the deposit is received before 4pm. You will be able to see your deposit after our nightly processing.

May I enroll more than one account for Mobile Deposit?

Yes, you may enroll any of your checking or savings accounts for Mobile Deposit.

What types of checks can I deposit with Commercial Bank Mobile Deposit?

Most checks made payable to you and drawn on a bank within the United States can be deposited through Commercial Bank’s Mobile Deposit.

Here are some examples of check types which cannot be deposited through Mobile Deposit:

How many checks can be deposited at one time?

Only one check is allowed per deposit. You can make as many single check deposits as you need to, up to your daily dollar and item limit.

How do I make a deposit using Mobile Deposit?

  1. Launch the Commercial Bank Mobile Banking application and log in.
  2. Choose the “Deposits” tab. For iPhones, click on “More” first, and then select “Deposits.”
  3. Click Capture on “Check Front” to take a picture of the front of the check
  4. Click Capture on “Check Back” to take a picture of the back of the check
  5. Enter the Amount of the check
  6. Choose the Account where the check needs to be deposited
  7. Click “Deposit Check

How do I make sure I get a good photo of my check?

Here are some tips for taking good photos of your checks:

Do I need to use a deposit slip?

No, there is no need to use a deposit slip. We will create an electronic deposit slip to post the deposit to your account.

Do I need to endorse the check?

Yes. Please sign the back of the check just as you would in person. Please also include the phrase “For Deposit Only, CBTC.”

How do I know the picture I’ve taken is acceptable?

Commercial Bank’s Mobile Deposit will automatically review the image to be sure the check is filled out completely and that all fields are legible. If there is a problem, a pop-up message will alert you to re-take the photo and submit the image again.

What do I do with the check after it’s deposited?

Securely store the paper check until you see the deposit in your account (after nightly processing). Then write, “ELECTRONICALLY DEPOSITED” on the face of the check. Please securely retain the original check for 14 days. After the 14-day retention period, you may shred the check(s).

Will I be able to review the deposits I’ve made?

Yes. You will be able to view them in the Mobile App for 5 days. Login, go to the Deposits page, then select Review.

How do I know Commercial Bank received my deposit?

You will receive an immediate notification through the application and an email notification that your deposit has been approved. This means that we received it for processing. After you see the deposit in your account, you’ll know that is was processed successfully. If there was an error or an adjustment, you will be notified by email.

What if I accidentally deposit the same check twice?

A check can only be deposited through Mobile Deposit one time. Mobile Deposit has a built-in duplicate detection tool that alerts you if you attempt to deposit an item twice. To avoid any confusion, write “ELECTRONICALLY PRESENTED” on each check after it is posted to your account. If you are concerned about a deposit you have submitted, please contact us at 731-641-9440.

What if I accidentally enter in the wrong amount?

After we receive your deposit, our Mobile Deposit system will read the check to make sure what you entered matches what is on the check. If it does not match, we will correct your deposit for you.

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