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Mobile Deposit FAQ

What is the cut-off time for deposits?

Deposits made before 5:00 p.m. Eastern will be processed on the same business day.

When are the funds available?
The deposit is available after nightly processing.

For example, if I use Mobile Deposit to make a deposit at 2:00 p.m. on Monday, the funds would be available Tuesday morning (after it goes through processing late Monday night). Remember, any deposit made before 6:00 pm will process on the same business day.

Another example: If I use Mobile Deposit to make a deposit at 6:10 p.m. on Monday, the funds have missed the cut-off for Monday business. They will process during Tuesday night's processing and will be available Wednesday morning.

Here's a weekend example: Let's say I use Mobile Deposit to make a deposit at 7:00 p.m. on Friday. That time is after cut-off so it will process the next business day which is Monday. It will go through processing Monday night and be available Tuesday morning.

Here's a holiday example: I use Mobile Deposit to make a deposit at 6:30 p.m. on Friday of Memorial Day weekend. Since there is no processing on Monday, Memorial Day, the deposit will process the next business day which would be Tuesday. So my deposit will go through processing Tuesday night and be available Wednesday morning.

Is there a charge for Mobile Deposit?
No. This is a free service. OVB reserves the right to disconnect inactive users.

Where do I find the Mobile Deposit app?
There is no separate app for Mobile Deposit. It is part of the Ohio Valley Bank Mobile Banking App. Once you are activated for Mobile Deposit, the Mobile Deposit options will appear inside the app. For links to the app in the Apple and Android App Stores, go to:

What type of phone is required?
Android or iPhones with the most current version of the OVB Mobile Banking app installed.

Can I deposit checks to my business or organization account?
Mobile Deposit can only be used with personal accounts; no business accounts will be connected at this time. If you are interested in Mobile Deposit for a business account, please email, if there is enough interest this may be something we offer in the future.

Can I use Mobile Deposit with my iPad?
Mobile Deposit is a function of the OVB Mobile Banking App for iPhone or Android. It is currently not a part of the OVB iPad App, however, the OVB iPhone App can be installed and used on an iPad with a camera.

Can I used Mobile Deposit with my Kindle Fire?
Even though Kindle is an Android device, Amazon has a proprietary App Store. The Ohio Valley Bank Mobile Banking App is not currently available in the Amazon App Store, and therefore not available for Kindle.

What types of items can I deposit?
U.S. check only. Money orders, checks drawn on foreign banks, and other forms of paper currency are not accepted.

Will I be able to see the deposit in NetTeller?
Your Mobile Deposit will not show in NetTeller until after our nightly processing. However, you can see the deposit by clicking on 'View Deposits' within the Mobile Deposit section of your OVB Mobile Banking App.

Does the check need to be endorsed?

What are the dollar limits for deposits?
The default limit for Mobile Deposit users is:
Deposits of up to $1,500.00 per day for a total of no more than $2,500.00 per month.
Higher limits may be granted. Customers requesting a limit increase should contact the Internet Banking Call Center at, or 1-800-468-6682.

How do I apply for Mobile Deposit?
Complete the very brief form here: or stop by an Ohio Valley Bank office.

What do I do with the check after it is remotely deposited?
Immediately after depositing, write "Electronically Presented" on the front of the check. Hold onto the check for 7 days in case there is an error in transmission. After the 7 days the check must be destroyed.