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GNB Mobile Check Deposit Frequently Asked Questions

Where do I find the Deposit Check option in the GNB Mobile app?
What is GNB Mobile check deposit?
Is there a fee for GNB Mobile check deposit?
Should I be concerned with the security of GNB Mobile check deposit?
What do I need in order to use GNB Mobile check deposit?
Can I use GNB Mobile check deposit with my business accounts?
What is the cutoff time for deposits to be processed the same day?
How do I enroll to use GNB Mobile check deposit?
What is the bank's routing number?
Can I add more accounts for mobile check deposits after my initial enrollment?
Can I be denied access to the mobile check deposit feature?
How do I deposit a check using GNB Mobile?
How many checks can be deposited at a time?
What are my deposit limits?
Do I still endorse my checks?
Do I need to use a deposit slip to make a deposit through GNB Mobile check deposit?
What do I do with the check after I deposit it through GNB Mobile check deposit?
Why was my money never credited when it shows as “accepted”?
How will I know that my deposit was accepted?
What if my deposit is rejected?
What are some reasons my deposit could be rejected by the app?
Do you limit the number of checks I can deposit through the mobile app?
What kind of items cannot be deposited?
What kind of checks can I deposit?
What are the benefits of GNB Mobile check deposit?

 


Q: Where do I find the Deposit Check option in the GNB Mobile app?
A: Select the Menu icon or link (varies by device) in the upper-left corner of the app and Deposit Check will be listed in the left-side menu.  Click the enroll now link if you have not already enrolled and follow the instructions.  You will need to provide your email address, account numbers and the bank's routing number.

Q: What is GNB Mobile check deposit?
A: GNB Mobile check deposit allows you to deposit checks using the camera on your mobile phone or tablet. Using the GNB Mobile app for the iOS or Android, you will login to your mobile banking and select the Deposit Check menu item. You will select the account where the deposit should credit, enter the amount of the check and take a picture of the front and back of the check.


Q: Is there a fee for GNB Mobile check deposit?
A: There is no fee for mobile check deposit from the bank for consumer customers. Message and data rates may apply and customers should check with their communications service provider regarding fees.


Q: Should I be concerned with the security of GNB Mobile check deposit?
A: At Grayson National Bank our goal is to protect the integrity of your account. And while we take every step possible to safeguard your information, there are steps you may take as well to protect yourself and your account.
-Do not throw checks out with the trash
-Do not keep the originals in a file folder for an indefinite period of time
-Ten calendar days after the original check has been successfully imaged and processed, the original item should be destroyed. Why? Checks are like cash. They should be treated as negotiable instruments.


Q: What do I need in order to use GNB Mobile check deposit?
A: To use our mobile check deposit feature, you must have an open checking, savings, CD, or money market account. In addition, you must be enrolled in personal online banking and have installed the GNB Mobile app on an iOS or Android device.


Q: Can I use GNB Mobile check deposit with my business accounts?
A: While the GNB Mobile app is intended for consumer use only, if you are a sole proprietorship currently enrolled in the Bank’s consumer online banking system, you too can have access to the mobile app.  However, we offer Remote Deposit Capture for business applications.  Check with your local branch office for details.


Q: What is the cutoff time for deposits to be processed the same day?
A: Checks deposited through the GNB Mobile app before 2:00pm Eastern Time and accepted by the bank will be processed the same business day. Deposits received after the cutoff time will be processed the next business day.


Q: How do I enroll to use GNB Mobile check deposit?
A: Login to your GNB Mobile app and select Deposit Check from the menu. If you have not already been enrolled in the service, you will be prompted to complete the enrollment form. Once your request has been submitted, the bank will review your request and approved customers will be notified through the app within one to two business days.


Q: What is the bank's routing number?
A: Grayson National Bank’s routing number is 051403766. Please enter this number, and your account number(s) carefully when enrolling for mobile check deposit.


Q: Can I add more accounts for mobile check deposits after my initial enrollment?
A: Yes. Please contact Customer Service at 276-773-2811 and we’ll be happy to assist you. Please note: Requests to add accounts to the mobile check deposit service are subject to approval by the bank. You will be notified of the status of your request through the GNB Mobile app.


Q: Can I be denied access to the mobile check deposit feature?
A: While we intend the GNB Mobile check deposit feature to be available to all consumer customers, the bank reserves the right to deny or cancel service availability for a customer due to excessive overdrafts, returned items, or other activities that could be considered abusive, such as attempting to deposit an item more than once (for example, through the GNB Mobile app and again at a branch).


Q: How do I deposit a check using GNB Mobile?
A: It's easy! We have created a tutorial to guide you step-by-step through the process.


Q: How many checks can be deposited at a time?
A: Only one per deposit. Each check is considered a separate deposit. You can make multiple deposits in a single mobile session. There is no limit to the number of checks you can deposit in a day, however, there are daily and monthly per-user deposit limits that apply.


Q: What are my deposit limits?
A: Deposits are limited to a per-user daily and monthly dollar amount. Those limits vary based on the type of account the user maintains with Grayson National Bank, and are detailed in the app's Terms of Service (found in the app's Menu under the Settings tab).


Q: Do I still endorse my checks?
A: Yes, endorse checks the same as you would if you were depositing them at the branch.


Q: Do I need to use a deposit slip to make a deposit through GNB Mobile check deposit?
A: No. We will use what is called a substitute (or electronic) deposit slip to post the deposit to your account. You will only need to take a picture of the front and back of the check being deposited.


Q: What do I do with the check after I deposit it through GNB Mobile check deposit?
A: On the front of the check, write "Mobile Deposit on DATE" (where DATE is the full date you deposited the check), and store the check securely for ten calendar days, which provides sufficient time in case the original item is required for any reason. After that time, the check should be securely destroyed.


Q: Why was my money never credited when it shows as “accepted”?
A: Unlike other institutions, we use real people to review your deposits when the system cannot read them and/or they have mismatches to avoid you having to come into the branch to deposit items that won’t be accepted by the system.  While they are sometimes “accepted” by the app, they may not be credited to your account, for example, if the bank routing number is not valid.


Q: How will I know that my deposit was accepted?
A: You can review the initial status of your deposit from within the GNB Mobile app. Additionally, for each deposit a deposit status notification email from  GNB that will be sent to the email address we have on file. You can check that the deposit has been posted to your account using the GNB Mobile app Transactions menu, or using online banking, once the deposit has finished processing by the bank.


Q: What if my deposit is rejected?
A: Deposits can be rejected for a variety of reasons. Some, but not all, of these reasons are:
-The check has previously been deposited (duplicate check deposit). Please verify that you have previously received a credit for the deposit and destroy the check.
-The check images cannot be read by the system. Please retake the images and try your deposit again.
-The check is an invalid type (for example, a Savings Bond, Insurance Draft, or foreign check).
-Other issues with the check, such as amounts that don't match, endorsement or signature missing, etc. Please refer to any messages you receive for further instructions.


Q: What are some reasons my deposit could be rejected by the app?
A: When you submit a check for deposit, there are many elements that are checked automatically by our processing systems. For example, a check that has been previously deposited through the mobile app may not be resubmitted, and will be rejected as a duplicate item. In addition, we check for an endorsement on the back of the check; if none is detected, the user will receive an error and will be advised to ensure proper endorsement is present before resubmitting the deposit.


Q: Do you limit the number of checks I can deposit through the mobile app?
A: No, we do not restrict the number of items you may deposit through the app.


Q: What kind of items cannot be deposited?
A: The following types of payments/checks cannot be deposited through GNB Mobile check capture: Foreign (not drawn on a US bank), Savings Bonds, Insurance Drafts. In addition, third-party checks and returned or re-deposited items are not allowed.


Q: What kind of checks can I deposit?
A: Personal and business checks, money orders, Traveler's Checks, and US Treasury checks made payable to you and drawn on a bank within the United States can be deposited through GNB Mobile check capture.


Q: What are the benefits of GNB Mobile check deposit?
A: The number one benefit is convenience. GNB Mobile check deposit allows you to deposit a check(s) 24 hours/day, 7 days a week, from anywhere you have a data connection to the internet.

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