Texas bank and trust mobile deposit funds availability

Save time,
use mobile deposit.

Deposit checks straight from your mobile device. It’s a fast, safe and convenient way to deposit checks.

Make Secure Deposits With Your Phone.

Now you don't need to leave the house to deposit a check. Instead, you can use the camera on your mobile device to put the money into your accounts. You can eliminate trips to the bank and deposit your check quickly and easily.

Why Mobile Deposit?

Deposit checks no matter how late it is

Stuck late at the office? Simply forgot to bring your check to the banking center today? Now you can deposit checks no matter what time it is. For Mobile Deposits, we've extended the deposit cutoff time to 10 p.m. (CT), which means you get same-day credit even later.*

Eliminate trips to the bank

There's no need to spend extra time getting to a banking center or ATM when you don't have to. Deposit checks from your phone to save time and energy.

Your deposits are safe and secure

Your security is important to us, so no personal data is ever stored on your device, and when you close out of the Mobile Deposit app, your session ends immediately.

Get Mobile Deposit

• Get Started
• Compatible Devices

Frequently asked questions

Got questions? We've got answers. And, if you don't find what you're looking for, sign in to Online Access and visit our Actions and Tools menu to send us a Secure Message or call us at 800-346-5312.

With Mobile Deposit from Bank of Texas, you can make a deposit anytime, anywhere! Save yourself a trip to the bank by depositing checks with your phone, even after hours, simply by taking a picture. It’s easy, safe and the most convenient way to deposit checks. Make deposits any time, anywhere.

• Enjoy the convenience of making deposits 24 hours a day, even on weekends and holidays.
• Extend the business day. Deposits received by 10 p.m. (CT) are processed the same business day. Deposits received after 10 p.m., and on weekends or holidays will be processed the next business day.
• Get money to the bank faster. You will save time by avoiding trips to the banking center when you use Mobile Deposit. Each deposit should typically take just a minute or two, depending on your connection speed.
• Branch, ATM and Mobile deposits are subject to review and funds from your deposit may not be available for immediate withdrawal.

To make a deposit please follow these steps:

1. Launch the Mobile Banking App, sign in, and select “Deposits”.
2. Select the account where you wish to deposit your check.
3. Enter the amount of the check.
4. Take a picture of the front of the check.
5. Take a picture of the back of the check.
6. Verify your deposit information and submit.

That's it! You’ve sent your deposit through a secure connection to Bank of Texas. You can also review your mobile deposits and see the images you’ve submitted by selecting the Mobile Banking App’s Review Screen.

Deposits made before 10:00 p.m. (CT) will be processed the same business day. Deposits made after 10 p.m., or on weekends or holidays, will be processed the next business day.

For example, if you make a deposit on Saturday, the deposit would be credited to your account on Monday and available on Tuesday.

Bank of Texas Mobile Deposit has a built-in duplicate detection system and will notify you if the same check is entered twice.

Yes, accounts currently have a daily and a rolling 30-day deposit limit. We will display your available limit on the deposit screen to assist you during your deposit. Additional information will be available by tapping the “info” icon displayed next to your current limit.

Once you’ve submitted your deposit, you will receive a mobile alert with a confirmation message and unique confirmation ID within the app. In addition, you’ll also get an email and mobile alert push notification with detailed information and the status of your deposit. Your recent deposit and status will also be stored in the “Deposit History” screen within the App.

After you receive confirmation that your check has been accepted for processing, store the paper check in a safe place for 7 days until you have verified that the funds have been deposited into your account. Then write “VOID” on the face of the check and destroy the check.

You can use Mobile Deposit 24 hours a day, including weekends and holidays.

All images are reviewed for clarity and completeness. If an error is detected, the app will prompt you to retake the photo. Follow these tips to help ensure a good photo is taken:

• Ensure the area is well-lit.
• Place the check on a dark surface.
• Remove objects or other items from view.
• Make sure all four corners of the check are visible. Use the guides built into the app to help you line up the picture.
• Position the camera directly above the check.

You can also change your Mobile Deposit settings at any time by selecting the “Mobile Deposit Settings” option on the Mobile Deposits screen.

There are no fees for the service. Your mobile carrier’s data charges may apply.

Mobile Deposit works on most iPhone® and Android™ phones, iPod Touch™ and iPad™.

iPhone® requirements:

• iOS 10 or higher

Android™ requirements:

• OS 5 or higher
• Camera 2.0 megapixels or higher

Mobile Deposit is very secure. We use password protection and 256-Bit SSL Encryption — the same security used for Online Banking.

Mobile alerts are automatically enabled for mobile deposits. However, they can be turned off in your Mobile Banking app. Log in to the app and select Mobile Deposit from the main menu, then select Mobile Deposit Settings. Toggle the Mobile Deposit push notification switch off.

How soon are funds available after mobile deposit?

How long does it take a mobile deposit to clear bank of Texas?

Is Texas Bank and Trust a good bank?

Does Texas Bank and Trust use Zelle?