UPGRADE

Sign up to receive text or email notifications for foreign, online or debit card related transactions.

Contact your banker for more information.

Deposit One -Business Mobile Deposit Q & A

Deposit One -Business Mobile Deposit

 Frequently Asked Questions

 

Q. What is San Diego Private Bank Deposit One?

A.  It is an easy way to use your mobile device to quickly and securely deposit checks into your qualified Business checking, savings, or money market account. This service is available for use within the United States only.

 

Q. Who can use SDPB Deposit One?

A.  All business customers must be eligible and approved by Bank before being able to use this business service. For more details on Deposit One, contact your Relationship Officer. You may also contact Treasury Management 1-844-282-(SDPB) 7372.

 

Q. How does it work?

A.  First you must activate your profile by first establishing your log on credentials on your desktop computer. Next download the Deposit One application from your App Store.  Click on the app using your Apple or Android mobile device. (Must be a supported device with minimum operating system) Access the app by using your log on credentials. Follow the easy navigation menus to create and submit a deposit. Follow the steps below to submit your deposit.

    1. Click on the + sign to create a new deposit

    2. Select the location and deposit account

    3. Click on Add Check

    4. Enter amount of check and any notes  

    5. Capture all 4 corners of the front and back image of a single check on a dark background

    6. Click Submit to send deposit or

    7. Click on Add Check to add more items to the deposit

    8. Verify dollar amount of check or the multiple check deposit total

    9. You may Edit or Delete a check prior to submitting a deposit

  10. Click to submit

  11. Mark your check as processed to prevent duplicate deposit

  12. Securely dispose of the original check after 14 days not to exceed 30 days.

 

Q. Can I use Deposit One if I already use a desktop scanner?

A. Yes. “Deposit One” can be fully integrated with the desktop scanner. For more details on Deposit One Premium-a fully integrated deposit service, contact your Relationship Officer or Treasury Management 1- 844-282 (SDPB) 7372.

 

Q. Is there a fee for this service?

A. Yes there is a monthly fee. Your Relationship Officer can discuss the appropriate fee options that suit your business needs.

 

Q. Is Deposit One secure?

A. Although you can view your deposited images while using the app, the images are not stored on your mobile device. The images are securely transmitted to the Bank in accordance with the Check 21 Act using SSL encryption. Your mobile device should be password protected with an auto lock feature enabled. You should never share your log on credentials with anyone.  The operating system on your mobile device should be kept current with the latest version to insure the latest security features are enabled and to avoid compatibility conflicts.

 

Q. What should I do if I lose my mobile device?

A. You should notify your mobile service provider immediately and cancel service to that device. It is recommended that you log onto your online banking profile and change your log on credentials. For additional security concerns, you may contact Treasury Management at 844-282-SDPB (7372).

 

Q. Is there a limit on the number of checks or the dollar amount of the deposit?

A. Yes there are limits. Please contact your Relationship Officer to discuss how we can customize this service to suit your business needs.

 

Q. If the check is over the daily deposit limit, can it still be deposited using Deposit One?

A. Items over the daily or single item deposit limit may reject and will show as pending with an error. Limits on a single check or deposit total that exceed the approved limits should be discussed with your Relationship Officer prior to creating a deposit.

 

Q. Can I deposit any type of check with my mobile device?

A. SDPB will accept most check types as long as they are from a US Financial Institution and in US Dollars.

 

Q. Is there any type of check that can’t be deposited using Mobile Deposit?

A.  The following check types should not be processed using Mobile Deposit:

  • US Treasury checks

  • Checks including travelers checks, that are drawn on banks located outside of the United States

  • Money Orders or Postal Money Orders

  • Credit Card checks

  • Checks payable in medium other than U.S. dollars

  • Non-Cash items

  • Promissory notes or similar obligations (savings bonds)

  • Third party checks

  • Pre-existing substitute checks

  • Checks that have previously been returned unpaid or uncollected

  • Checks greater than 180 days old

  • Altered checks

 

Q. How will I know if the deposit was accepted?

A. Any errors must be properly corrected and the deposit must be “Submitted” by clicking on the Submit button. If a deposit was accepted, the status of the deposit will no longer appear in the Submitted tab. The History tab will show the status of the deposit as “Processed”.

 

Q. What should I do if I get an error message while using mobile deposit?

A. Error messages can differ. What you do, will depend on the error message you receive.  If the check image did not capture properly, you will receive an error message that you need to retake the photo. Depending on access permissions, some errors may be corrected by using the pencil edit feature.  If there is an error you don’t understand and it is not related to an error in your mobile device operation, you may call Customer Service at 844-282-SDPB (7372) Monday-Friday 9am-5pm (PT).

 

Q. Do I need to endorse the back of the check?

A. The system will place a virtual endorsement on the back of the check, therefore a physical endorsement is not required. As a precaution to prevent duplicate presentment, you may endorse or stamp as processed. You may also write “For Deposit Only” along with the account number.

 

Q. When will the funds be available?

A. Deposits submitted and approved prior to 5:00pm (PT) on a business day will generally be available that same day. Deposits submitted and approved after 5:00pm (PT) or on a non-business day will generally be available the next business day. The Bank will notify you if there is a delay in funds availability and will provide a date when you can withdraw the funds. You must confirm funds are in your available balance prior to drawing against those funds.

 

Q. Will I be able to view the checks I deposit?

A. Yes, deposited items will be available in the Account Details menu of your online banking profile. Deposits created using the Deposit One application can also be viewed directly on the app.

 

Q. How long will deposited check images be available for me to view?

A. Check images are retained for 18 months on the online banking platform. Check images in the Deposit One app using the History tab, are available for 180 days.

 

Q. What should I do with the check(s) after I have made a deposit?

A. Checks must be clearly marked as processed to prevent duplication. Checks must be kept in a secure location at least 14 days but no longer than 30 days. Once the maximum 30 day retention has expired and you have confirmed the funds have been credited to your account, the original items must be destroyed. Cross shredding is recommended as the most secure method of destruction.

 

Q. If I have questions or need assistance, who shall I call?

A. You may call Customer Service at 844-282-SDPB (7372) or your Banking Office Monday-Friday 9am-5pm (PT).


Back to Top