Q: What is the cut-off time for deposits?
A: Deposits made before 5:00 p.m. Eastern will be processed on the same business day.

Q: When are the funds available?
A: 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 5:00 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.

Q: Is there a charge for Mobile Deposit?
A: No, this is a free service.

Q: Where do I find the Mobile Deposit app?
A: There is no separate app for Mobile Deposit. It is part of the OVB Mobile app. 

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

Q: Can I deposit checks to my business or organization account?
A: Mobile Deposit can be used with personal and small business accounts. Larger businesses and small businesses that deposit large volumes of checks prefer our OVB Remote service. 

Q: Can I use Mobile Deposit with my iPad?
A: Yes. Android or Apple tablets can be used for Mobile Deposit as long as they have a camera and the OVB Mobile Banking app installed.

Q: Can I used Mobile Deposit with my Kindle Fire?
A: Even though Kindle is an Android device, Amazon has a proprietary App Store. The OVB Mobile app is not currently available in the Amazon App Store, and therefore not available for Kindle.

Q: What types of items can I deposit?
A: U.S. checks only. Money orders, checks drawn on foreign banks, and other forms of paper currency are not accepted. OVB cashier's checks are also not accepted for mobile deposit at this time.

Q: Will I be able to see the deposit in Digital Banking?
A: Your Mobile Deposit will not show in Digital Banking until after our nightly processing. However, you can see the deposit by clicking on 'Check Deposits' within your OVB Mobile app.

Q: Does the check need to be endorsed?
A: Yes. Endorse the back of the check with "mobile deposit only". For best results, use dark ink and print, no cursive please.

Q: What are the dollar limits for deposits?
A: The default limit for Mobile Deposit users is:
Deposits of up to $2,000.00 per day for a total of no more than $5,00.00 per month.
Higher limits may be granted. Customers requesting a limit increase should contact the Customer Support Call Center at contactcenter@ovbc.com, or 1-800-468-6682.

Q: How do I apply for Mobile Deposit?
A: Just click on "Deposit Checks" inside the App and enter the account(s) you wish to deposit to. Once the bank approves your for Mobile Deposit, you will receive a notification from the App and can deposit right away.

Q: What do I do with the check after it is remotely deposited?
A: Hold onto the check for 7 days in case there is an error in transmission. Once you see in internet or mobile banking that your deposit has been credited, you may destroy the physical check. After the 7 days the check should be destroyed to safeguard against fraud.