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Online Personal Banking

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Mobile ExpressDeposit™

Deposit checks from the comfort of your phone.

With Mobile ExpressDeposit, the mobile deposit service from People's Town & Country Bank, qualified* mobile banking users can deposit checks through our mobile banking app right into their business or personal checking or savings accounts.

How does it work?

From your People's Town & Country Bank mobile bank app:

  • Select the Deposit option after you log into mobile banking.
  • Complete the simple enrollment (first time only).
  • Take photos of your endorsed check.
  • Enter the deposit amount and choose your account for deposit.
  • Submit and get confirmation of your deposit†.

Now with Mobile ExpressDeposit making a deposit into your People's Town & Country Bank checking or savings accounts is as easy as snapping a picture on your mobile device. Most importantly it is safe and secure!

For more information about Mobile ExpressDeposit, visit any People's Town & Country Bank branch or contact us at 1-800-815-BANK (2265).

Frequently Asked Questions

What is Mobile ExpressDeposit?

Mobile ExpressDeposit is a mobile deposit service that allows you to deposit checks remotely with your People's Town & Country Bank mobile banking application. Return to top

How do I enroll?

Through the latest version of the People's Town & Country Bank mobile banking app you can enroll for Mobile ExpressDeposit by selecting the camera icon and following a few simple steps. Return to top

On which mobile devices is it available?

Mobile ExpressDeposit is currently available on Apple® iOS and Android™ devices. Return to top

What is my User ID and password for mobile banking?

To access mobile banking, use your current online banking User ID and password. Return to top

Is Mobile ExpressDeposit safe?

Yes, mobile banking uses the same security infrastructure as online banking and your data is encrypted using SSL (Secure Socket Layer) data encryption. Access to the application on your mobile device is also password protected. In the event your mobile device is lost, please note that no account data is stored on it. Return to top

How much does it cost?

There is not a fee for deposits made into consumer accounts. Message and data rates may also apply. Contact your wireless carrier for details. Return to top

What are the eligibility requirements for Mobile ExpressDeposit?

To be eligible for Mobile ExressDeposit, you must be a People's Town & Country Bank online banking customer with direct ownership in a People's Town & Country Bank checking or savings account. Return to top

Can I access my account from more than one mobile device?

Yes. Return to top

Why isn't my check being accepted?

The system may be unable to read your check due to the handwriting, check condition or photo quality. If that is the case, you will need to bring your check to a People's Town & Country Bank branch for deposit. Return to top

Will a hold be placed on my deposit?

Please see our Funds Availability policy for details. Return to top

How do I install the app on my mobile device?

Mobile banking with Mobile ExpressDeposit is currently available on Apple iOS or Android devices. Search for “People's Town & Country Bank” and then tap “FREE” to install the app. Once installed on your mobile device select the People's Town & Country Bank mobile banking icon to launch the application. Your login is the same as your current People's Town & Country Bank online banking (business or consumer) User ID and password. If you do not have online banking please contact customer service toll free at 1-800-815-BANK (2265) Monday – Friday (non-holiday), 7:15 AM – 6:15 PM (MT). Return to top

How do I make a deposit using Mobile ExpressDeposit?

  • Launch the app, log in, and choose the Mobile ExpressDeposit icon from the menu options
  • Enter the amount of the check
  • Take a picture of the front of the check
  • Take a picture of the back of the check
  • Click “Submit”
  • Return to top

What do I do with the check after it’s deposited?

We ask that you securely store the paper check for 14 days. We recommend that you store the checks in an envelope or attach a sticky note noting that the checks were deposited via mobile. Once the retention period has passed you may destroy the check(s) (e.g. shred). We also ask that you confirm that you can see the deposit in your account via online/mobile banking or on your statement prior to destroying them. Return to top

How do I know People's Town & Country Bank has received my deposit?

Upon submission of a mobile deposit you will receive a confirmation screen confirming your deposit has been received. You can also view recently submitted items (last 30-days) in the Mobile ExpressDeposit transaction screen. Finally, you can also confirm your deposit in your account via online/mobile banking or on your statement after your deposit request has been processed. Mobile deposits are processed Monday – Friday after 6 p.m. (MT) except for federal holidays. Items submitted after 6 p.m. are processed the following business day after 6 p.m. Return to top

How should I endorse checks that I submit through Mobile ExpressDeposit?

Only your signature and the words "For mobile deposit only" are required.

PLEASE NOTE: If the back of the check is not properly endorsed, People's Town & Country Bank reserves the right to reject the check for deposit. Return to top

For more information about Mobile ExpressDeposit, visit any People's Town & Country Bank branch or contact us at 1-800-815-BANK(2265).

* To be eligible for Mobile ExpressDeposit, you must be a People's Town & Country Bank online banking customer with direct ownership in a People's Town & Country Bank checking or savings account, your account must have been active for at least 60 days, no overdrafts in the last 6 months, and no more than 1 charge back in the last six months.

† Deposit cut off time is 6:00PM Mountain Time, Monday – Friday (excluding holidays). Deposits submitted after 6:00PM will be processed on the next business day. Deposits are subject to verification and not available for immediate withdrawal. Deposit limits and other restrictions apply.

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