a man working in his office


Frequently Asked Questions

With CTC Banking Deposit, you can electronically deposit checks with an iPhone® or Android™ device that has a camera by using our Mobile Banking app. Simply snap photos of the front and back of your properly endorsed check to make deposits into your Commercial Trust account.
There is NO charge per check for using Mobile Deposit. However, your mobile service provider may charge you for data plan usage, so check your plan before you start using the service.
In order to use Mobile Deposit you must:
  • Have an active Commercial Trust Company savings or checking account in good standing
  • Be a current Banno and CTC Banking App user
First, make sure you’re enrolled in Online Banking.
  • Visit the App Store℠ or Google Play™ and download the CTC Banking App
  • Open up the app and activate your Mobile Banking access
  • Select the Mobile Deposit tab and follow the instructions
Only one check at a time is accepted; however, you may deposit multiple checks during a single session.
Yes. The link between your mobile device and our Mobile Deposit site are encrypted to industry standards. Your scanned check is secure and protected through this link.
If the deposit is accepted, funds are usually posted to your account no later than the next business day. Please note that deposit amounts may be adjusted up to 2 business days after a deposit is made. Processing occurs after 4 PM on BUSINESS DAYS.
The quickest way to verify your deposit is to go into Banno or CTC Banking and see the deposit credited to your account.
Generally, we will accept properly endorsed checks in an amount not to exceed $5,000.00
Please visit the Fayette or Harrisburg facility to deposit checks written for an amount over the limits described above.
Are there any types of check that cannot be submitted using Mobile Deposit?
Only single-party domestic checks make payable to the owner of the account may be scanned for deposit with Mobile Deposit. The following items cannot be submitted for deposit with Mobile Deposit:

  • Checks payable to a business or estate
  • Items stamped with “non-negotiable”
  • Post-dated or stale-dated checks
  • Incomplete checks – checks missing any required information
  • Third party checks – checks payable to someone else, endorsed and signed over to you
  • Foreign checks – checks payable to you and drawn on a financial institution in another country
  • Altered checks – checks that contain evidence of alteration to information on the face
  • Checks purported to be a lottery or prize winning
  • Checks drawn on your account
  • Checks previously submitted for deposit

What should I do with my check after I have submitted it with Mobile Deposit?
After your check is scanned, please store your check in a safe place for 60 days or until the deposit appears on your monthly statement and then securely destroy it. Afterwards, please destroy the check or clearly mark it as “VOID” if you keep it for your records. Be sure the check is not rescanned or deposited elsewhere.

What types of accounts accept Mobile Deposit?
You may deposit funds to any of your Commercial Trust checking or savings accounts.

What do I do if my check is rejected in Mobile Deposit?
Please double check the following:

  • Your check photos are clear and legible; be sure that there are no shadows on the check, the check is not excessively wrinkled, the image is not blurry from “camera shake” and the writing is contained within the relevant spaces on the check
  • You have positioned the check against a dark or contrasting background
  • The MICR line (the bottom part of the check that includes your account number and the bank routing number) is visible
  • The check number, payee, endorsement, numeric amount, written amount and MICR line are all readable
  • You have a strong signal; using a secure WiFi connection may improve your transmission success
If the check continues to be rejected, bring it to our facilities in Fayette or Harrisburg or mail it to us for deposit.

There's no time like the present to start investing