Mobile Deposit

Sign into your online account thru our Charlevoix State Bank mobile app.  

1. From the menu, select Transactions -> Deposit Check 
2. Choose the account you want to use for deposit
3. Enter the amount of your check
4. Sign the back of your check and write "Mobile Deposit Only CSB"
5. Take a photo of the front and back of your endorsed check with your mobile device 
6. Submit your deposit 

You can deposit checks payable in U.S. dollars and drawn from any U.S. based bank.  This includes both personal or business checks.  Checks must be payable to, and endorsed by the accountholder.

The following are not eligible for mobile deposit: 

1. Checks payable to any person or entity other than the person or entity who owns the account into which the check is being deposited.
2. Checks payable jointly, unless deposited into an account in the name of all payees.
3. Checks with any endorsement on the back other than that specified in our Mobile Deposit Capture Agreement.
4. Checks containing obvious alteration to any of the fields on the front of the check, or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn.
5. Checks drawn on a financial institution located outside the United States.
6. Checks not payable in United States currency.
7. Checks dated more than 6 months prior to the date of deposit or future-dated checks.
8. Checks that are in any way incomplete.
9. Checks on which the numerical (box) and written amount (legal line) are different.
10. Checks that have been previously returned unpaid by the financial institution on which they are drawn, including substitute and remotely created checks.
11. Checks that are payable to cash.
12. Checks that have previously been submitted through the Service or through a remote deposit capture service offered at any other financial institution.
13. Checks received in connection with participation in unlawful Internet gambling.

In general, if an image of a check you transmit through the Service is received and accepted before 2:00 p.m. Eastern Time (‘ET’) on a business day that we are open, the Bank considers that day to be the day of your deposit.  Otherwise, consider that the deposit was made on the next business day we are open.  Funds deposited using the Service will generally be made available in 2 business days from the day of deposit.  We may make funds available sooner at our sole discretion.  We reserve the right to place a hold on your deposit.  In the event that we do place a hold, you will be notified of the hold reason and timeframe.

There is currently no set limit that you can deposit; however, ALL deposits require review by our back office prior to processing.  You will be notified the status of your deposit  via email.  You may contact us at 231-547-4411 if you have questions or need additional assistance.  Deposit limits subject to change at any time.

There is currently no fee to use this service.  Deposit fees are subject to change at any time, and you will be notified no later than 30 days prior to any changes.

You will be notified at the email we have on file for you.  If you do not receive status emails, be sure to check the JUNK/SPAM folder of your email.  To view or update your email with us: Log into your online banking account -> select SETTINGS -> UPDATE USER PROFILE.  You may also contact us at 231-547-4411 to check the status of your deposit.