Debit/credit card in hand

Mobile Deposit

We know that life is busy and the days of having to make a trip to the bank to make a deposit are long gone. Convenient options make it easy to make deposits from anywhere by using our Mobile App or visiting one of our ATMs.
 
Using the Flatwater Bank Mobile App, go to "Deposit Checks" from the main menu. Follow the process of taking a photo of the front and back of your check to submit to the bank. It's fast and free!
 
When will your money be available?
For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If we receive your deposit before 3 p.m. on a business day, we'll credit your account by the end of the day. Deposits received after 3 p.m. (or on weekends and federal holidays) are credited to your account by the end of the next business day. Availability of funds is pursuant to Regulation CC and Flatwater Bank's applicable funds availability schedule and policies.
Many of our ATMs (as well as non-Flatwater Bank ATMs) accept deposits. Just bring your debit card (with PIN) to the ATM, your signed check (or cash) and follow the instructions at the ATM. Each one works a little differently, but the instructions on the screen will guide you from one step to the next.

When will your money be available?
For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit at an Automated Teller Machine (ATM) before 2:00 PM on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit at an ATM after 2:00 PM or on a day we are not open, we will consider that the deposit was made on the next business day. Funds from any deposits (cash or checks) made at ATMs we own or operate will be available on the first business day after the day of deposit. Funds from any deposits (cash or checks) made at ATMs we do not own or operate will not be available until the fifth business day after the day of your deposit. All ATMs that we own or operate are identified as Flatwater Bank machines.