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SBMC Mobile Banking

Mobile Check Deposit

Mobile Check Deposit is a convenient way for SBMC Online Banking customers to deposit checks using their mobile devices and the SBMC Apple® or Android® Mobile Banking Apps. Simply snap a picture of the front and back of your check, select deposit details, and approve the deposit.

  • Sign-in to SBMC Mobile Banking
  • Select Check Deposit from the Main Menu
  • You can view recent mobile deposits, access guidelines or deposit a check
  • To prepare a check for deposit:
    • Endorse the back of the check with: “For Mobile Deposit to SBMC Only” and your signature
    • For best image, place check on a flat surface with a dark background and good lighting
  • To deposit a check:
    • Tap the Deposit Check button
    • Read the notice and tap Continue
    • Endorse the back of the check as indicated above, if you haven’t already done so
    • Tap the Front icon, position the front of the check and tap the Camera icon to snap a picture, then tap the check mark icon
    • Tap the Back icon, position the back of the check and tap the Camera icon to snap a picture, then tap the check mark icon
    • Enter the check amount, tap Done
    • Select the Deposit To account
    • Verify the Email Receipt To field and tap Continue
    • Read the funds availability notice and tap Continue
    • Verify all information and tap Approve
    • Tap Back to Check Deposit
  • Deposits are generally available in one to two business days.
  • Retain your check for 60 days and then securely destroy it.
  • Mobile Check Deposit Limits*
    • New customer relationship (day 1 thru 6 months):
      $1,000 daily limit
      $5,000 monthly limit
    • Customer relationship 6+ months:
      $5,000 daily limit

*Limits are subject to customer being in good standing: In a six month period, not more than one deposited item returned for a personal customer, or five deposited items returned for Sole Proprietors.

Mobile Text Banking

Text banking gives you access to your accounts via text (SMS) messages on your phone. It's a fast, easy way to look up account balances or recent account history by sending a text.
Get Started

  1. Login to your Online Banking.
  2. Click on the "User Services" tab.
  3. Under “Manage Accounts” click on “Mobile Enrollment” and follow the prompts.

Standard text and mobile web fees may apply. Please contact your mobile carrier for more information.

Mobile Banking Security Tips

Protecting your personal and financial information is important to us. We have provided a few reminders to keep you protected while using the convenient features of SBMC Mobile Banking.

Make sure your device is passcode protected with a strong PIN
When creating a PIN make sure it is not connected to your personal information. Including, but not limited to your name, phone number, birthday, address, or Social Security Number. Change your PIN frequently, memorize your PIN and do not share your PIN.

Activate the auto-lock feature on your device
The auto-lock feature will lock your mobile device when it has been inactive for an allotted period of time. Simply put in your PIN to unlock it.

Avoid storing sensitive and personal information on your mobile device
Remember to log off any application you are not using and regularly delete text messages and your browser history.

Only download applications from trustworthy sources
Review each application’s privacy policy to see what information the application can access and if they plan to share this information with other parties.

Review social media application settings
Make sure to utilize the privacy settings in social media applications and limit the amount of personal information you post.

Be cautious of using public wireless networks
Because public wireless networks are not always safe, it is best practice to use your personal password protected network especially when making financial transactions and utilizing online banking.

Keep your mobile device updated
Updates for your mobile device can help resolve security weaknesses that may be found.

Be careful of mobile phishing
Avoid opening links inside emails and text messages and do not open any links from an unknown source. Remember do not give out your personal and financial information over email or text. Savings Bank of Mendocino County will never ask for your personal or financial information via email or text.

Talk to your mobile device provider about additional security features
Some mobile device providers offer remote wiping that will delete all your data if your phone is lost or stolen.

Delete all your data prior to discarding your mobile device
Most mobile device providers have webpages with instructions to properly erase data.

Notify your bank if you suspect that your personal or financial information has been compromised
Setting up text and email alerts through online banking can help you frequently track your account activity to make sure nothing suspicious is going on.