Mobile Deposit - National Bank of Middlebury

Benefits of mobile deposit

Easy and convenient

If you have a mobile phone or tablet with a camera, you can deposit checks through the NBM Mobile App.

Quick access to the money

Funds will be credited to your account the same day or next business day.

Clear records

View images of your deposited checks right in online banking and the mobile app.

Follow these quick and easy steps:

Sign in to your NBM mobile banking app.
Tap on the ‘Deposit Check’ icon.
Endorse your check. Under your signature, write ‘For Mobile Deposit Only to NBM.’
Choose the account you wish to make the deposit in.
Enter the amount you are depositing.
Tap on ‘Front Image’. Take a photo of the front of the check, making sure to include all edges of the check. Make sure there is contrast between your check and the background, it is in focus and well lit.
If it’s clear, accept the image.
Repeat this process for the back of the check.
Tap ‘Next’ to review your deposit information. If correct, confirm it.
That’s it! You can check the status of your deposits from within ‘Deposit Check History’.

Frequently asked questions

When will my money be credited to my account?

If a mobile deposit is approved:

Deposits before 4:00pm on a business day will be credited to your account the same day during the nightly update.
Deposits after 4:00pm or on a non-business day will be credited the next business day during the nightly update.

Is there a daily deposit limit?

Yes, there is a daily deposit limit of $2500.

Is there a bank fee for this service?

No, there is no bank fee for this service.

Do I have to endorse my check in a special way?

You check must be endorsed with your signature, account number, and ‘For Mobile Deposit Only to NBM.’ The images of the check must be legible (both front and back).

How long should I hold onto the check after I deposit it?

It is best to hold onto the check until you see it credited to your account. Sometimes a mobile deposit can be rejected if the images are not clear enough, the check is not endorsed properly, the name doesn’t match the account holder, or any other reason we may reject a check. Once the check has been approved and credited to your account, you should securely shred the check.

What if I see the Deposit Check button in digital banking, but nothing happens when I select it?

The menu options shown in digital banking are based on the screen size, so you may see options visible that are not available on your device. For example, if you sign in using the mobile browser version of digital banking, you may see the Deposit Check button, but it will only work in the app. You must have an up-to-date Apple or Android phone with an updated version of the NBM App in order to make mobile deposits. If you are unsure, please contact us.