Deposit Checks for Your Business on Your Schedule
Running a business means staying focused on operations—not making trips to the bank. With Mobile Deposit services from American Community Bank & Trust, you can deposit checks quickly and securely using your mobile device, giving you the flexibility to manage receivables wherever business takes you. Mobile deposit solutions allow you to capture check images and submit deposits electronically, eliminating the need for paper deposit slips or branch visits. This means less time spent on administrative tasks and more time focused on growing your business, while still maintaining clear visibility into incoming payments.
No matter which solution you choose, American Community Bank & Trust helps you reduce manual work, improve cash flow visibility, and stay in control of your receivables—without being tied to a bank branch. Contact our business banking team by completing our online form.
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Your Business Mobile Deposit Options
Mobile Remote Deposit Capture (mRDC)
Best for: Businesses that receive check payments frequently and want a more robust, scalable solution with multiple users and enhanced deposit capabilities.
Mobile Remote Deposit Capture (mRDC) is built for businesses that need flexibility, efficiency, and greater control over their check deposit process. This solution allows you to capture and submit multiple checks using a dedicated remote deposit app, making it ideal for businesses that regularly receive checks or have staff working in the field. With mRDC, you can:
- Batch or scan checks individually using your mobile device camera
- Automate balancing and utilize MICR line repair functionality to reduce errors
- Assign users deposit access without granting account access
- Capture and submit deposits from virtually anywhere
By eliminating trips to the bank and allowing deposits to be made on demand, mRDC helps improve cash flow by accelerating deposit processing and access to funds.
Business Mobile Banking App Deposit
Best for: Small businesses that receive occasional checks and want a simple, mobile-first solution without the need for advanced controls or multiple-user workflows.
For businesses with lower check volume or simpler deposit needs, the Business Mobile Banking app provides a convenient and easy-to-use check deposit option directly within your digital banking experience. Using the mobile app, you can:
- Deposit checks one at a time using your device’s camera
- Submit deposits quickly without additional software
- Assign deposit capabilities to users without providing full account access
- Manage deposits alongside your other banking activities
How to Deposit a Check with Mobile Deposit:
- Endorse the check
- Write “For Mobile Deposit Only” under your endorsement
- Open the app
- Tap “Deposit Check”
- Follow prompts to capture images of the front and back
- Select the account for deposit
- Confirm and submit
Mobile deposit through the banking app offers the same core convenience—allowing you to deposit checks anytime, anywhere—without the added complexity of batch processing or reporting features