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Mobile Deposit


What is Mobile Deposit?

With PlainsCapital Bank’s Mobile Deposit, eligible and enrolled customers can deposit checks through our Mobile Banking app on Android or iPhone.

Who is eligible to use Mobile Deposit?
To be eligible to enroll in Mobile Deposit you must:

1. Be a customer with accounts in good standing for at least 90 days.

2. Agree to the Mobile Deposit Terms and Conditions.

3. Be an owner or authorized signer on at least one of the following account types:

4. Have not had more than two overdrafts or insufficient funds instances in the past 90 days on any account.

5. Have not had any account charged off.

6. Have not had past-due payments in excess of 90 days.

7. Have not had a returned deposit item in the last six months.

How do I enroll in Mobile Deposit?
Visit and log in to Internet Banking. Click on the “Mobile Deposit” option under the “Services” menu. Follow the steps on the screen to submit your request.
How do I make a deposit?
Follow these steps to deposit a check in Mobile Deposit.
Do I need to download a new app for Mobile Deposit?
The most recent version of the app already has the necessary technology for Mobile Deposit. Once your enrollment request is approved, you will find the Mobile Deposit feature within the PlainsCapital Bank Mobile Banking app.
How do I check the status on my check?
You can see the status of your check in the "History" menu in the app or in Internet Banking.
What does the status of my check mean?
  • Submitted: PlainsCapital has received your check and is reviewing it
  • Accepted: PlainsCapital has accepted your check and it will post to your account
  • Rejected: PlainsCapital has rejected your check
Why am I unable to deposit my check?
  • Some reasons why your check may not be accepted through Mobile Deposit are:
  • The check has already been submitted
  • The type of check is not accepted (see next FAQ)
  • Folded or torn corners
  • Handwriting is not legible or is not in blue or black ink
  • Front image is not legible
  • Amount entered does not match the amount on the check
  • Routing and account numbers are unclear
  • Image is too dark or blurry
  • Lack of proper signature and/or endorsement
Can I deposit any kind of check through Mobile Deposit?
PlainsCapital Bank will review the deposit and reserves the right to reject a deposit. Some types of checks will not be accepted in Mobile Deposit. Please refer to the Mobile Deposit Terms and Conditions for a full list. Some types include:
  • Foreign checks
  • Check that have been altered
  • Returned checks
  • Checks previously submitted to another financial institution
  • Checks older than six months
  • Temporary checks
Where can I find more information about Mobile Deposit?
What is the limit for the number of deposits per day, per account?
There is no limit for the number of deposits per day; however, there is a daily deposit limit of $2,000 per account. Mobile deposits count toward monthly deposited item limitations on some business accounts. For more information, contact your banker.
What is the dollar limit I can deposit per day for each eligible account?
You may deposit up to $2,000 per day, per account.
What is the daily cut-off time for mobile deposits, and when will the funds be available?
Deposits submitted before 6 p.m. on a business day that we are open will be processed the same day, and approved funds will be available the next business day. However, PlainsCapital does reserve the right to hold funds. For more information, please refer to the Mobile Deposit Terms and Conditions.
Is there a fee to use Mobile Deposit?
There is no fee for Mobile Deposit for PlainsCapital Bank customers. Standard data fees from your mobile provider apply. Per item fees may apply for commercial customers.
What do I do if a deposited item is returned?
Do not rescan the original check. Please take the returned items into a branch for re-deposit or call 866.762.8392 Monday through Friday, from 8 a.m. to 6 p.m. for assistance.
What do I do with my checks after I make a deposit?
It is recommended that you keep the original checks for 30 days. Store the checks in a secure location, and do not attempt to re-deposit them. PlainsCapital may request the original check. After 30 days please write “Void” on the checks and destroy them.
Who can I call with questions?
If you need assistance, we're here to help. Call 866.762.8392 to speak with a customer service representative. We're available to assist you Monday through Friday, from 8 a.m. to 6 p.m.
What are the steps for enrolling and making my first deposit?
  1. Confirm you are enrolled in Mobile Banking by selecting "Mobile" in your "Preferences" menu in Internet Banking or by calling 866.762.8392.
  2. Make sure you have downloaded the PlainsCapital Bank Mobile app for either your iPhone or Android device.
  3. Request enrollment in Mobile Deposit in Internet Banking. Click on the “Mobile Deposit” option under the “Services” menu. Follow the steps on the screen to submit your request. As part of enrollment in the service, you'll be asked to read and accept the Mobile Deposit Terms and Conditions. It may take up to two business days to receive approval. Once approved, we will notify you via Secure Message in Internet and Mobile Banking.
  4. Sign in on the PlainsCapital Bank Mobile app using your user ID and password.
  5. Choose "Mobile Deposit" on the home screen.
  6. Select the checking, savings or money market account into which you want to deposit the check.
  7. Enter the dollar amount shown on your check.
  8. Endorse the back of your check with your signature and write "Deposit Only - PlainsCapital Bank" below the signature line.
  9. Follow the prompts to take pictures of the front and back of your check.
  10. Submit the check for deposit.
  11. You will receive confirmation that your check was "Submitted" to PlainsCapital Bank and is under review. Once we approve your check, the status of the deposit will be updated to “Accepted.” If there is a problem with the check, we will mark the item as “Rejected,” and you will need to bring the check into a branch or send it to the Bank through our Bank by Mail service.