Online Banking & the SBTC Mobile App

Start personal enrollment or business enrollment. Each opens the disclosure you agree to, then the registration form. If you are not a Security Bank customer yet, contact us or visit a branch and we will open the account first.

An Access ID and a passcode. It is not an email address. Both are set up when you enroll.

Use the Forgot Passcode link on the sign-in screen, in the app or on the website. If that does not get you back in, call your branch and we will help.

Yes, on devices that support it. Switch on Enable Biometrics from the sign-in screen and you can use the same face or fingerprint unlock your phone uses.

Yes. Online banking and the SBTC Mobile app run on the same system and share one Access ID and passcode.

Yes. If you hold personal accounts and business accounts with us, both are available from the same sign-in, so you are not managing two separate logins.

Yes. Take the guided tour, which covers online banking and mobile banking.

Online banking, the mobile app and mobile check deposit are available to our customers free of charge, and we reserve the right to change that at any time. Standard message and data rates from your mobile carrier still apply.

Ask us. Deposit limits are reviewed periodically and can also be reviewed at your request. Contact us or talk to your branch and we will look at your limit. Limits remain at the sole discretion of Security Bank.

Yes. The app and online banking support internal transfers between your Security accounts and external transfers to and from accounts you hold elsewhere. External transfers have a setup step and their own limits, so contact us before relying on one for a same-day need.

Yes. Account alerts are set inside the app and online banking. They are among the most useful things you can switch on, because an alert reaches you before a statement does.

Yes. Location Controls in My Cards has three switches. My Location denies an in-store transaction when the merchant and your device are not in the same place. My Regions denies in-store transactions outside areas you choose. Block International Transactions denies in-store purchases abroad unless you have set a travel plan. All three apply to in-store transactions.

Yes, from My Cards. Once the card is in your wallet you can pay at a terminal or online without carrying the card itself.

Turn the card off yourself in My Cards first, which stops it being used while you make the call. Then call 833-337-6075 for a lost or stolen debit or ATM card. Credit cards are a separate 24-hour line, 800-558-3424.

It may be. Every cardholder is enrolled in our fraud text alert service, so a flagged transaction produces a text from Security Bank. Do not judge a message by the number it came from. A sender can be imitated. Judge it by what it asks you for. If you are not sure a message is genuine, do not use any link inside it. Call us on a number you already have.

No. A Security Bank employee will not ask you for your passcode, a one-time code, or your full card number, by phone, text or email. If a message asks for any of those, treat it as fraud and contact us directly.

Both, in different places. ACH files and wires are created and sent in online banking, which carries our full treasury management suite including Positive Pay and account reconciliation. The app is for approving them, so a file can be released from a phone. What your business can do depends on how the account is set up and what each user is entitled to do. Talk to your banker, or read our treasury management services page.

Mobile Check deposit is a service that allows a customer to submit a check to SBTC for deposit via their smartphone or tablet device. This is done by capturing an image of the front and back of the check (via the camera on the device) to be deposited and then submitting the image to SBTC via the device app.

Mobile check deposit is integrated into the new SBTC Mobile app and can be found under the DEPOSITS tab.

Yes. The customer must download the SBTC Mobile app to a camera-enabled Apple iOS or Android device. Mobile check deposit is not available via a computer or non-Apple iOS/Android device.

Most customers will. The only prerequisite currently in place to qualify for this service requires customer to have an eligible account type (Checking, Savings, Money Market, HSA). These requirements can change at the sole discretion of SBTC. Customers who abuse this service may be excluded from eligibility.

Yes. In order to maintain prudent risk standards, limits and hold rules apply and are at the sole discretion of SBTC. The current daily dollar limit is $5,000.00 per business day for qualified users. There is no limit on the number of daily items. Daily and monthly deposit limits may vary for qualified users. Such limits will be reviewed and adjusted periodically at SBTC’s discretion or upon their request. The customer can contact us with questions about the deposit limits and/or to request a review of their deposit limits.

No. This service is available to our customers free of charge; however, we reserve the right to change that at any time.

Mobile check deposit will be available to customers as soon as they download the SBTC Mobile app; however customers who abuse this service may be excluded from eligibility.

Yes. SBTC reserves the right to remove or change the functionality at any time. SBTC will periodically review accounts enrolled in mobile check deposit to ensure they are maintaining all eligibility requirements.

Once logged into the mobile app, select the DEPOSITS tab along the bottom.

Yes. The check must be made payable to the account holder or joint account holder.

Yes. The check must be endorsed in the following manner: For mobile deposit only to SBTC, plus signature of payee.

No. Not all checks/items are eligible to be deposited through mobile check deposit. Per the user agreement, the following items are not eligible for deposit: Checks payable to any person or entity other than the person or entity that owns the account that the check is being deposited into. Checks containing an alteration on the front of the check or item, or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn. Checks payable jointly, unless deposited into an account in the name of all payees. Checks previously converted to a substitute check, as defined in Federal Reserve Board Regulation CC. Checks drawn on a financial institution located outside the United States. Checks that are remotely created checks, as defined in Federal Reserve Board Regulation CC. Checks not payable in United States currency. Checks dated more than 6 months prior to the date of deposit. Checks or items prohibited by SBTC’s current procedures relating to the Services or which are otherwise not acceptable under the terms of your SBTC account. Checks payable on sight or payable through Drafts, as defined in Federal Reserve Board Regulation CC. Checks with any endorsement on the back other than that specified in this agreement. Checks that have previously been submitted through the Service or through an electronic deposit delivery system offered at any other financial institution and/ or SBTC. (E.g. Mobile, Branch, ATM, Consumer, Merchant and automated clearing house (ACH) check conversions.) Checks or items that are drawn or otherwise issued by the U.S. Treasury Department. Money Orders and Travelers Checks. Checks that are drawn on or produced from any of your SBTC account(s), written to yourself, and authorized by yourself for deposit to your own account. If an item is dishonored, you will receive an image of the original check or a substitute check as the chargeback item.

Checking (including Money Market & HSA) or Savings accounts that the user has setup to view through online banking.

Yes. A clear image of both the front and back of the check must be taken and submitted. The system will reject an unclear image, or improper/missing endorsement and the customer will then have the option to take the picture again.

Yes. The customer must enter the dollar amount, the eligible account which they wish to deposit the check into, and a valid email address to receive their receipt of deposit

The customer will receive a “successfully submitted” message within their mobile app & a “deposit received” email alert upon successful transmission. The customer can also view the past 90 days of mobile deposit history by selecting the Activity tab on the DEPOSITS page of the mobile app.

If a deposit is made before the cutoff time of 3:00pm central time, funds should be available the following business day (business days exclude Saturdays, Sundays, & federal holidays); however, extended holds may be placed on items at the sole discretion of SBTC.

The customer can see all of their transaction history 24/7 through online/mobile banking. They will not receive a specific notification when the funds are available.