Mobile Deposit FAQ

Mobile Deposit allows you to electronically deposit checks to any of your checking, money market, or savings accounts using the camera on your compatible Apple or Android smartphone or tablet through the SBKC Mobile App.

You can download our mobile app by visiting our mobile app page:

Mobile Deposit is available to Security Bank consumer and business¹ customers who have:

• An active Online Banking account
• The most recent version of the SBKC Mobile App downloaded on your compatible internet-enabled Apple or Android device
• An active checking, savings or money market account in good standing

We reserve the right to require all accounts be in good standing.

Simply download the Mobile Banking App, select "Deposit", and complete the registration as prompted.

Yes! The Security Bank of Kansas City app is free to download in the app store on your device.

No, Security Bank does not charge a fee for using Mobile Deposit. However, fees for deposits and deposited items may apply to certain business account products.  Refer to your account disclosure documents for more details.  Fees may also apply for data services from your wireless provider.

Most checks made payable to you and drawn on a financial institution within the United States can be deposited through Mobile Deposit. Some business size checks (the long ones) may not work with Mobile Deposit. There can be no ambiguous payees on the checks being deposited.  All deposits are subject to review and/or final approval by the Bank.

The following examples are types of payments/checks which cannot be deposited through Mobile Deposit:

• Checks or items payable to any person or entity other than the account owner.
• Checks or items containing any alteration or missing information in any field on the front of the check including the MICR line.
• Checks previously converted to an electronic item.
• Checks or items that are stale-dated or post-dated.
• Money Orders, Traveler’s Checks, Savings Bonds, or Insurance Drafts.
• Foreign Checks (not drawn on a U.S. financial institution or not payable in U.S. dollars). 

Yes, we require you to endorse your checks before taking a photo of it. Please include your signature, account number and the words “For Mobile Deposit Only”.

Our system will automatically create an electronic deposit slip to credit the deposit to your account. You will only need to take a picture of the front and back of the check.

Once you verify that the funds have been applied to your account correctly, you should shred the check within 5 business days.

If your deposit is received and accepted prior to 6:00PM CT Monday through Friday (excluding holidays), your deposit will generally be available the next business day - unless a hold is applied. If a hold is applied, you will be notified.  All deposits are subject to review and our Funds Availability Policy.

Yes, accounts have a daily and monthly deposit limit (dollar amount and number of checks).

Mobile Deposit users will generally have the following limits when using the service:

• Each calendar Day: $3,000 aggregate total up to 10 checks.
• Each calendar Monthly: $6,000 aggregate total up to 25 checks (subject to per calendar day limits above).

We reserve the right to establish different limits at the Bank’s discretion.

It is important that the check photo is easy to read. We will contact you to retake the photo if the image is not clear.

• Use an area that is well-lit to prevent shadows.
• Place the check on a dark surface.
• Make sure there are no folded or torn corners.
• Keep your hands clear of the check.
• Remove objects or other items from view.
• Make sure all four corners of the check are visible. Use the guides built into the app to help you line up the picture.
• Position the camera directly above the check.