INTRODUCING

MOBILE DEPOSIT

Select "Deposits" from the Mobile App home screen

Mobile Deposit is only available within our Mobile Banking App. If you already have our app, the Mobile Deposit feature is now available. If you are not currently an app user, ask us how to download the app.

HOW TO START USING MOBILE DEPOSIT

This new service will allow you to deposit checks from anywhere at anytime, just by using the Kentucky Bank Mobile Banking App on your smartphone or iPad.

KENTUCKY BANK INTRODUCESMOBILE DEPOSIT!

Kentucky Bank | 1.800.467.1939

HOW IT WORKS

Select "New Deposit", then select the account and enter the amount

MOBILE DEPOSIT FAQ

What’s new? We’re pleased to announce the upcoming release of Mobile Deposit scheduled for mid-December.

What is Mobile Deposit? Mobile Deposit allows you to deposit checks into certain accounts with your mobile device camera using the Kentucky Bank Mobile Application or “Mobile App”. The Mobile App submits the check images electronically to make deposits to your checking or savings accounts.

How much does it cost? We will assess a fee of $0.50 for each check deposited using Mobile Deposit.

What checks are eligible? We can accept checks payable to you, drawn on a bank in the United States. We cannot accept: 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 payable jointly unless deposited into an account in the name of all payees, traveler’s cheques, money orders, checks drawn on a �nancial institution located outside the U.S.A., checks not payable in U.S. currency, substitute checks, or returned checks, checks dated more than 6 months prior to the date of deposit.

How should I endorse the check? You should sign the check as normal and write “For mobile deposit only” beneath your endorsement.

How do I know my check was accepted? When capturing the images, visual brackets provide a guide for center-ing the check. Each check image is analyzed for quality upon submission; if the image does not pass, you are immediately noti�ed and can re-capture the check image. The check images presented to us must clearly and accurately represent all information on both sides of the check and must also contain all proper endorsements. You can cancel the transaction at any time during the mobile deposit process. However, once the transaction has been submitted, it cannot be canceled.

What do I do with the check after I capture it? You should retain the check in a secure location for 14 days and then, after con�rming the deposited funds have been applied to your account correctly, destroy the check.

Is there a limit to how much I can deposit? In general, you may deposit up to $2,000 a day using Mobile Depos-it. However, we may adjust your limit at any time, at our discretion, based on activity such as how long you have been a customer or if there is a pattern of overdrafts or returned checks. In addition, all deposits are subject to veri�cation and can be adjusted upon our review.

When will my deposited funds be available? If you make a deposit before 2:30 p.m. Eastern Standard Time on a business day that we are open, we will consider that day to be the day of your deposit. Otherwise, we will consid-er the deposit to be made on the next business day we are open. Our policy is to make funds from your check deposits available to you on the next business day. However, all deposits are subject to veri�cation and can be adjusted upon our review. Mobile deposits are subject to veri�cation and not available for immediate withdrawal.

What if there is a mistake or error? You should notify us of any suspected errors regarding items deposited through Mobile Deposit immediately, and in no event later than 30 days after we sent you the account statement on which the error appeared.

Am I guaranteed access to and use of Mobile Deposit? We reserve the right to deny access to the use of our Mobile Deposit service without prior notice if we are unable to con�rm your authority to access the Mobile Deposit service or we believe such action is necessary for security reasons.