Frequently Asked Questions

  Am I eligible for Remote Deposit?
  • You must have a history of managing your bank account responsibly.
How do I sign up?
  • Visit our branch and complete an application. This option is required for our multi-check scanning option used by many businesses, or if you wish to make deposits higher than $2,500.00 over a 10 banking day period.
What kind of scanner works with Remote Deposit?
  • Two types of scanners can be used with ezDeposit. Most home and office flatbed scanners that are TWAIN compliant are supported.
  • Businesses with high check volumes may prefer to use a scanner that can process multiple checks at a time. The Bank can provide you with this type of scanner for a fee.
How does Remote Deposit work?

Using a flatbed scanner

  • Login in to SummitOnline and click the ezDeposit link.
  • Endorse the back of your check “For deposit only” and sign your name. There is no need to use a deposit slip.
  • Follow the simple prompts to scan the front and back of your check.
  • Review the check image to be sure it is clear and submit your deposit. You will receive an on-screen acknowledgement when your deposit is received by the Bank. You will also receive an email notification.
  • You will receive a second email notification when your deposit has been approved or denied by the Bank.
  • It is recommended that you retain your check for 60 days after the deposit is made. After 60 days, make sure to shred the check or destroy it by a secure method. Consumer account customers should immediately shred or ensure destruction of checks through another secure method, once you have received email confirmation that the deposit has been approved. Business account customers should retain deposited checks for 60 days after such confirmation, before destroying the deposited checks.
  • Images of deposited checks can be viewed for up to 30 days using your mobile device, and up to two years using your computer by accessing ezDeposit via SummitOnline.

Using a multi-check scanner

  • Login in to SummitOnline and click the ezDeposit link.
  • Deposit made using the multi-check scanner do not need to be endorsed, as the endorsement is performed automatically during the scanning process
  • Follow the simple instructions to scan your checks.
  • Print reports as needed.
  • It is recommended that you retain your check for 60 days after the deposit is made. After 60 days, make sure to shred the check or destroy it by a secure method. Business account customers should retain deposited checks for 60 days after receiving email confirmation that the deposit has been approved. Once the 60 days has elapsed, customers should immediately shred or ensure destruction of checks through another secure method.
  • Images of deposited checks can be viewed for up to two years using your computer.
Do I need to endorse my check?
  • Flatbed scanning: Yes. Endorse all checks you deposit with "For deposit only" and your signature.
  • Multi-check scanning (Using a bank issued scanner): No. Endorsements are performed automatically during the scanning process.
Will my check be deposited to my account the same day I scan it?
  • For personal accounts, if you deposit your check by 3 PM Pacific Time on a banking day, it will be processed the same day. Otherwise, it will be processed the following banking day.
  • For business accounts, if you deposit your check by 4 PM Pacific Time on a banking day, it will be processed the same day. Otherwise, it will be processed the following banking day.
  • You will receive credit for your deposit based upon our Funds Availability Policy. Generally, this will be on the first business day after the day of your deposit. Please review Summit State Bank’s Deposit Account Agreement and Disclosure for further information.
Are there limitations on what/how much I can deposit?
Yes. The following limits are the default limits for new users who sign up using the ezBanking app.

Higher limits may be obtained by contacting one of our branches.
  • Per Check deposit limit: $2,500
  • Per Day dollar limit: $2,500
  • Dollar limit per 10 banking day period: $2,500
  • Number of checks that can be deposited in one day: 15
  • Number of checks that can be deposited in a 10 banking day period: 100
Is Remote Deposit safe?
  • Yes. Summit State Bank uses Advanced Login Authentication every time you log in to your account. Our systems not only verify your username and password, but also validate the computer that you use to log in to your account. When you log in to SummitOnline using a computer for the first time, you must register your computer as part of the enrollment process using a one-time-code that is sent to your phone. Once the computer has been registered, you can log in to your account. Accessing your account from any device that is not registered would be extremely difficult. In some cases, RSA Tokens may also be used, adding an even higher level of security.
  • Your information is encrypted as it travels across the Internet, using a minimum of 128 bit SSL encryption (all information is encrypted, including check deposits).
  • SummitOnline will time-out after a short period of inactivity, however, we recommend that you always log out or close your web browser when not in use.



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