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Items that can be deposited
Checks made payable to the account owner or joint owners that have been properly endorsed with “for mobile deposit North Central Bank” and the owner(s) signature.
Items that cannot be deposited
**This list should not be considered all-inclusive as it may be changed at any time at the bank’s discretion. **
PLEASE NOTE: All deposits are subject to verification and can be adjusted upon review. Please keep your paper check for thirty (30) days after the funds are posted to your account.
Cutoff time for submitting deposits is 3:00 p.m. CST, Monday-Friday
Additional information can be obtained in the Mobile Deposit User Agreement and Disclosure and is also subject to North Central Bank’s Online Banking Terms and Conditions.
Message and Data rates may apply. Please check with your communications service provider for access rates, charges and other applicable fees.
Mobile check deposit is a feature of the North Central Bank mobile app that allows you to make check deposits using your smartphone (i.e., iPhone, Android, or Samsung) to a consumer checking account.
Consumers may make deposits to their personal checking accounts only.
No, North Central Bank does not charge a fee for this service. Wireless service provider charges may apply.
No, a deposit slip is not necessary.
No, you cannot make deposits to loan accounts. Deposits can only be made to a personal checking account. Once the deposited funds become available, you can then transfer the money to a loan account to make a payment.
Yes, endorse or sign the back of the check with your signature(s) and “for mobile deposit North Central Bank.” Without proper endorsement, your check will be rejected.
On weekdays (excluding holidays), the cutoff time for same business day posting is 3:00 p.m. CST. Deposits made after the 3:00 p.m. CST cutoff will be posted the next business day. Deposits received after 3:00 p.m. CST on Friday, Saturday, Sunday, or any holiday will be posted the next business day. *Longer holds may apply to certain situations.
For best results, ensure the image of your check is inside the four corners of the box, the information on the back is legible, and it is properly endorsed. You will receive two emails from monitor@ensenta.com. The first email will confirm that your deposit has been received by North Central Bank. The second email will confirm that the deposit was approved, rejected, or held by North Central Bank.
Each check is deposited individually and requires its own photo of the front and back. A daily aggregate per customer limit will apply.
No, once a deposit is submitted, it will begin going through the deposit process.
If you can’t get a check to deposit using the mobile application after multiple attempts, present the item for deposit at any of our locations. An additional hold on funds may be applicable.
Upon receiving a confirmation email from North Central Bank that your deposit has been approved, you should mark the item as “Electronically Presented” or otherwise render it incapable of further transmission, deposit, or presentment. You are required to retain the check for 30 calendar days after transmission to North Central Bank. After 30 calendar days, it is recommended that you promptly destroy the original check by marking it “VOID.” Cross-cut shredding is strongly recommended for check destruction.
