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Mobile Banking & Mobile Deposit

Bank whenever, wherever at your own convenience, keeping on top of your finances at all times. With Mobile Banking you can access your most important banking functions directly from your mobile device.

Did you know you could make mobile deposits too? It's easy – you just need your smart device, a check to deposit and a pen. Endorse your check, Take an image of the front and back of your endorsed check with your mobile device, and then upload the imaged check for processing through our secure network. The check will be deposited into your personal account in the same way it would if you had visited a Solvay Bank branch or ATM. Now that's Smart Banking!

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    Summary
    • A convenience service for our online banking customers.
    • Got a smart device? We have an app for that. Apple and Android!
    • Is texting your thing? Then text banking will make you happy. Or you can just use your browser to stay on top of your finances 24/7.
    • Your access is the same whether on mobile banking or online banking
    • Check Balances. Review transactions. Make transfers between accounts.
    • Pay bills and pay other people with Popmoney.
    • Find branch and ATM locations

    Please note: We will assess a fee of $1.00 for each check deposited using Mobile Deposit. Your mobile carrier's message and data rates may also apply.

    Mobile Deposits can be made at any time. Deposits made on weekends, holidays or after 2:30 pm ET will be processed on the following business day.

    Checks up to $2,500 may be deposited through Mobile Deposit. Total deposits cannot exceed $2,500 on each banking day.

    View our Mobile Banking/Mobile Deposit Terms and Conditions

    Mobile Deposit Details & Tips

    How It Works

    • Make sure you have the Solvay Bank Mobile Banking App for your smart device.
    • Log into Mobile Banking and choose "Deposits" from the menu.
    • Select the account into which you want to deposit the check.
    • Enter the amount of your check.
    • Endorse your check.
    • Follow the prompts to take and upload images of the front and back of your check.
    • Click Submit – and send the check for deposit!
    • Review your deposit status through your mobile device at any time.

    Tips for Successful Deposits

    • Sign/Endorse the back of your check, and write "For Deposit Only – Account No_______ " below your signature, completing with the appropriate account number
    • When prompted for the deposit amount, carefully enter the check amount to ensure it matches the amount written on your check.
    • Flatten folded or crumpled checks before taking your photos.
    • Place the check on solid dark background before taking the photo of it.
    • Keep the check within the view finder on the camera screen when capturing your photos.
    • Try not to get too much of the areas surrounding the check.
    • Take the photos of your check in a well-lit area.
    • Keep your phone flat and steady above the check when taking your photos.
    • Hold the camera as square to the check as possible to reduce corner to corner skew.
    • Make sure that the entire check image is visible and in focus before submitting your deposit.
    • No shadows across the check
    • All four corners are visible
    • Check is not blurry
    • The MICR line (numbers on the bottom of your check) is readable.
    • Before logging into the Mobile Deposit app, close all other apps running in the background on your mobile phone.
    FAQs

    GENERAL QUESTIONS

    What is Mobile Banking?

    Mobile Banking allows anyone with an online banking account to access their account information from a mobile phone. Mobile Banking offers four exciting ways to access your bank accounts. Choose any or all of these options.

    • Send a text message
    • Use a mobile browser on your phone
    • Download an application to your phone
    • Receive text or email alerts.

    Is Mobile Banking secure?

    To ensure the safety and privacy of your account information, we provide some key security features in Mobile Banking:

    • Unique Activation Code — We send you a unique activation code to verify your phone number, which associates your mobile phone with your account.
    • Authentication — You are authenticated for every interaction with Mobile Banking.
    • Encryption — We use 128-bit encryption for all transactions.
    • No Identifiable Information — We don't return any personally identifiable information in a text message, such as your full account number, e-mail address, or personal address. We never ask for or include your user ID or password in any message we send.

    Is my personal or financial information stored on my phone?
    No. We don't save any files with your personal or financial information on your phone. That information stays strictly within online banking.

    Are there fees to use Mobile Banking?
    We don't currently charge fees to access or use Mobile Banking. You should contact your mobile service carrier for information about fees associated with sending or receiving text messages or accessing the Internet from your mobile phone.

    Can I add more than one mobile phone?
    Yes. You can register several mobile phones for Mobile Banking. To add a new phone, go to online banking and access the Mobile Banking page within the "Options Menu". On the "My Phones page", select "Add New Phone".

    Which accounts can I access in Mobile Banking?
    You can access any account you've set up in online banking, just choose which accounts you want to access.

    How current is the account and transaction information?
    When you view your account balance, you see the current available balance. When you view transaction history, you see the most recently posted transactions. We don't show any pending transactions.

    What if my phone number changes?
    If your mobile phone number changes, log into your online banking and under Options, access the Mobile Banking pages. On the "My Phones" tab, find the old phone number and select the option "Change my phone number".

    What if my phone is lost or stolen?
    If your mobile phone is lost or stolen, no one can access your account without knowing your password, and, in some cases, your unique user name. To prevent unauthorized access to your account, you can deactivate your phone in Mobile Banking. Log into your online banking and under Options, access the Mobile Banking page. On the "My Phones" tab, find the phone number and select the option "Stop using this phone for Mobile Banking".

    How do I stop using Mobile Banking on my phone?
    To stop using Mobile Banking on your phone, log into your online banking and under Options, access the Mobile Banking page. On the "My Phones" page, find the phone number and select the option "Stop using this phone for Mobile Banking".

    Which phones can I use for Mobile Web Banking?
    We support hundreds of models for these major brands: Apple, AT&T, BlackBerry, Google, HTC, LG, Motorola, Nokia and Samsung. We support phones on a number of different operating systems, including (but not limited to) Android, iOS, Blackberry OS and Windows Phone.

    Certified device list for mobile phone banking

    Certified device list for tablet banking 

    Supported operating systems and browsers for mobile devices

    Which mobile service carriers support Mobile Banking?
    Mobile Banking works on all major mobile service carriers in the U.S.: AT&T, Sprint, T Mobile®, U.S. Cellular®, and Verizon Wireless. Mobile Banking also works on a number of the smaller service carriers, including (but not limited to) Boost Mobile, Cricket Wireless, Metro PCS, Pioneer Cellular, Union Wireless, and Virgin Mobile USA.

    REGISTRATION QUESTIONS

    How do I get started with Mobile Banking?
    You can register for Mobile Banking two ways:

    1. Using your online banking access, login to your account and click on User Options. Scroll down to Mobile Banking Options and Click Enroll. The system will prompt you through registration. Be sure to turn on your mobile phone and make sure it's ready to receive text messages. When you register for Mobile Banking, you can choose which services you want to use and which accounts you want to access.

      During registration, we send you a text message with a unique activation code to verify your phone number. This code associates your mobile phone with your account. To complete registration, enter the activation code that we send you. This verification lets you know your mobile phone number has been successfully registered in our system. You can also call Customer Support to assist you with the registration process.
    2. Using your SmartPhone you can download the app from your app store. When you first open the app you will be prompted for your credentials to begin the registration. If at any time you want to change your registration or Mobile Banking Options, please visit Online Banking using a browser, click User Options, scroll to Mobile Banking Options and Edit.

    If you have questions with either method, contact Customer Support to assist you.

    Do I have to agree to the Terms and Conditions to use Mobile Banking?
    Yes, you must read and accept our terms and conditions.

    Can I register multiple users to the same phone?
    Yes! Multiple users may login from the same phone.

    I received my activation code but never used it—what do I do now?
    Your activation code expires 24 hours after we send it to you. To request a new code, Log into your online banking and under Options, access the Mobile Banking page. On the "My Phones" tab, find the phone number and select the option "Get new activation code". We'll send you a text message with a new activation code.

    I haven't received the activation code on my mobile phone. What should I do?
    Check the mobile phone number you entered during registration. If it is correct, here are some other options for resolving the issue:

    • Verify that your mobile phone is on and able to receive text messages to and from a standard U.S. short code.
    • Request a new activation code. Log into your online banking and under Options, access the Mobile Banking page. On the "My Phones" tab, find the phone number and select the option "Get new activation code". We'll send you a text message with a new activation code.

    If you're still having problems with the activation code, call Customer Care for assistance.

    MOBILE DEPOSIT QUESTIONS

    Are there any fees for using Mobile Deposit?
    We will assess a fee of $1.00 for each check deposited using Mobile Deposit. Your mobile carrier's message and data rates may also apply.

    What is Mobile Deposit and how does it work?
    With Mobile Deposit, you can make a deposit directly into your checking or savings account using the Solvay Bank Mobile Banking App on your iPhone®, Android™ or iPad® device. Mobile deposit lets you submit photos of the front and back of your endorsed check. The image is processed the same way as making a deposit at the branch or an ATM. None of the check's images are stored on your phone, so you can rest assured that it is secure.

    How do I get Mobile Deposit?
    Mobile Deposit is automatically available within the Solvay Bank Mobile Banking App for Apple®, Android™ or Kindle devices. If you are enrolled in our personal online banking, simply download the Mobile Banking App from the appropriate app store for your device.

    Do I have to enroll for Mobile Deposit?
    You are automatically enrolled in Solvay Bank Mobile Deposit when you enroll in Solvay Bank Mobile Banking.

    What is required for Mobile Deposit?
    In order to use Mobile Deposit, you must have:

    • An active Personal Online Banking profile
    • A Smart Device (Apple®, Android™ or Kindle Device) with camera
    • Downloaded the Solvay Bank Mobile Banking App to your device

    How should I endorse the check?
    You should sign the check as normal and write "For Deposit Only – Account No_______ " below your signature, completing with the appropriate account number.

    What should I do with my check after completing a mobile deposit?
    After depositing your check using Mobile Deposit, please follow these best practice guidelines:

    • Write "Mobile Deposit on Date" on the front of your check. The date should be the month, day and year of your deposit.
    • Securely store your deposited check for a 30-day period after confirming that the deposited funds have been applied to your account and then destroy it.

    What types of checks can I mobile deposit?
    You can deposit most check types, including personal, payroll and government checks payable in U.S. dollars and drawn at any U.S. bank. They must be payable to and endorsed by the account holder.

    You cannot deposit money orders, traveler's checks, foreign checks, savings bonds, cash, or checks that are postdated or more than 6 months old. Please refer to your agreement for use of Solvay Bank Mobile Deposit for more detailed information.

    What is the cutoff time for mobile deposits and when will funds be available in my account?
    Checks successfully deposited through Mobile Deposit prior to 2:30 pm Eastern Time on any business day will be deemed to have been received by the bank on that business day. Funds from mobile deposits are not available for immediate withdrawal. Please refer to the Deposit Account Agreement and Funds Availability Policy for funds availability.

    How do I know if a deposit went through?
    A successful mobile deposit will show in your transaction history with the dollar amount by the end of the following business day.

    Is there a limit to how much I can deposit?
    You may deposit up to $2,500 a day using Mobile Deposit. However, we may establish limits on the number of checks or the total amount of checks deposited using Mobile Deposit. These limits may change from time to time without notice to you. We reserve the right to modify (including reduce) your transaction limits at our discretion, subject to applicable notice requirements in Online Banking e-Signature and Electronic Disclosure Agreement.

    What if there is a mistake or error?
    You should notify us of any suspected errors regarding checks deposited through Solvay Bank Mobile Deposit as soon as possible, and in no event later than 60 days after your next Solvay Bank account statement relating to the suspected error.

    How long does it take to upload a deposit?
    This will depend on your network connection. Most deposits take 5 to 30 seconds to submit.

    What do I do if I lose my phone?
    You can disable your mobile device from mobile banking and mobile deposit at any time using your Solvay Bank Online account under User Options. Or you may call us at (315) 484.2201 during business hours.

    Who should I call with mobile deposit questions?
    For assistance with Mobile Deposit, please contact Customer Care at (315) 484.2201 during business hours. Monday through Wednesday from 8:00am to 5:00pm, Thursday and Friday from 8:00am to 6:00pm and Saturday from 9:00am to 12:00pm (noon).

    What if I would like to add or delete a device from mobile deposit?
    You simply log into your online banking accounts, click on User Options and scroll down to the mobile banking section and click on Manage Devices. This screen will allow you to add or make changes to an existing device.

    Why does my mobile deposit listing on the Transaction page state Pending?
    All deposits are reviewed and verified prior to being processed. The deposit will show as Pending until the verification is completed during normal business hours.

    How can I view the checks I have deposited?
    Inside the Solvay Bank Mobile Banking app, click Deposit and select View Deposit History. Once you select the deposit in question, a View Check icon will appear.

    ALERT QUESTIONS

    What are alerts?
    You can set up alerts to notify you when select activity occurs on your accounts. For example, we can send you an alert when your account balance goes below a predetermined threshold amount, such as $50. You can receive alerts on your mobile phone or at an e mail address.

    What is the difference between the text messaging service and the alerts service?
    The text messaging service allows you to request account balances, transaction history, and ATM and branch location information any time from your mobile phone. We send text message responses to your phone. You initiate by texting us a request, we respond with the account info you requested. The alerts service sends automatic notices to your mobile phone with information about your accounts. You specify these requests within your online banking access. For example, we can send you an alert when your account balance goes below a threshold amount.

    How do I stop receiving alerts?
    To stop receiving alerts on your phone, text STOP to our short code (96924).

    TEXT MESSAGING SERVICE QUESTIONS

    What do I need to use the text messaging service?
    To use Mobile Banking's text messaging service, you must:

    • Have an online banking account.
    • Have a mobile phone that supports SMS text messaging and short codes.
    • Register for Mobile Banking and select the text messaging service.

    Why are my Mobile Banking text messages coming from a short code?
    You receive all Mobile Banking text messages from a short code. To make it easier to recognize our text messages, add us to your contact list with the short code.

    What is a short code?
    A short code is a shortened version of a phone number. A short code is generally five or six numbers in length. Five-digit short codes range from 20000 to 99999; six-digit short codes range from 222222 to 899999. The Solvay Bank short code is 96924.

    Where do I send my text messages?
    Send all text messages to the short code provided in your initial activation text message.

    What are the text messaging keywords and how do I use them?
    Keywords are the text messages you send to request account information or ATM and branch locations.

    Account Balance Requests
    Keywords: BAL followed by account nickname to check the balances for all accounts you've registered in Mobile Banking.

    Transaction History Requests
    Keywords: STMT, TRAN, HIST followed by account nickname

    Most recently posted transactions of the account you specify with the account nickname
    Keywords: NEXT, MORE. If your transaction history response message ends with "Reply NEXT", text NEXT or MORE to view more transactions.

    ATM and Branch Location Requests
    Keywords: ATM, BRANCH, BOTH (address). Find ATMs, branch locations, or both near an address that you specify. You can enter:

    • ZIP Code
    • City and ZIP Code
    • City and State
    • Street, City, and State.

    Help Requests
    Keywords: HELP, HLP Provides information about the Mobile Banking keywords.

    Keywords: STOP, END, CANCEL, UNSUBSCRIBE, STOP ALL. To Stop receiving Mobile Banking alerts you can text:

    • STOP BNKG to cancel banking alerts.
    • STOP ALL to stop all alerts.

    Are the keywords case-sensitive?
    No. Whether you type "BAL" or "bal," we send a response with your account balance information.

    What should I do if I don't get a response to a request?
    Make sure you're sending text messages to the short code you received in your activation text message. Check the keyword and any additional information required for the request, such as, account nickname, or address.

    Why are my results sent as multiple messages?
    Text messages are limited to 160 characters. Sometimes we can't send all your account information in one message because it exceeds the character limit. In this case, we send your account information in multiple messages.

    I have text messaging enabled on my mobile phone. Why can't I receive Mobile Banking text messages?
    Your mobile service carrier may be blocking short codes, or you may have blocked short codes in your phone options.

    MOBILE BROWSER SERVICE QUESTIONS

    What do I need to use the mobile browser service?
    To use Mobile Banking's browser service, you must:

    • Have an online banking account.
    • Have a mobile phone that supports web browsing.
    • Have a wireless data plan with your mobile service carrier.
    • Register for Mobile Banking and select the mobile browser service.

    Mobile Banking is optimized for a wide range of phones – providing a rich and interactive interface on touch screen phones.

    How do I access the Mobile Banking website?
    During registration we send you a unique website address (URL) that is intended only for you. The website URL will only work on the phones you've registered in Mobile Banking. Be sure to bookmark this address in your phone's web browser so you can easily return to it.

    I can't find my link to the Mobile Banking website. What should I do?
    If you can't find the message that we sent during registration with the unique URL for Mobile Banking, you can request another message. Log into Online Banking from your computer and go to the "My Phones" page in online banking, find the phone number, and select the option "Get a link to the Mobile Banking website".

    DOWNLOADABLE APPLICATION SERVICE QUESTIONS

    What do I need to download the Mobile Banking application?
    To download the Mobile Banking application you must:

    • Have an online banking account.
    • Have a smart device.
    • Have a wireless data plan with your mobile service carrier.

    How do I download Mobile Banking App to my device?
    You may download the mobile app directly from the app store for your device. Once the download is complete, log in using your existing online banking user ID and password.

    You may also download the app from within your online banking service on your computer.

    1. Log into your Online Banking account from your computer and go to the "Options" button at the top of the screen.
    2. Scroll down to the section titled "Mobile Banking Profile" and click the "Enroll Now" button.
    3. Check the boxes next to each "Eligible Account(s)" you would like to register and enter a nickname for each one.
    4. On the next page, enter your mobile phone number including the area code and click "Next".
    5. Select the Mobile Downloadable App option.
    6. A text message with a link to the downloadable app will be sent to you.
    7. Click the link for the Downloadable Application to be transferred to the application download page within your app store. Once you download and install the app, the Solvay Bank icon will appear on your phone.

    I can't find my link to download Mobile Banking App. What should I do?
    If you can't find the message that we sent during registration with the download link for Mobile Banking, you can request another message. Log on to Online Banking from your computer and go to the "My Phones" tab with your online banking options menu under the "mobile banking" tab, find the phone number, and select the option "Download the application".

    Apple® and iPhone®, iPad®, iPod® are registered trademarks of Apple Inc. Android™ is a trademark of Google Inc.

    Want to learn more about mobile banking and deposit?