Mobile Banking Frequently Asked Questions

Is Online Banking required to enroll in Mobile Banking?

Yes. You must have been set up by a Branch Representative for Online Banking prior to enrolling in Mobile Banking.

How do I access Mobile Banking?

Download the APP from Google Play or iTunes®  – log in to the APP using the same User ID, Password, and Security Questions you have set up for Online Banking. Make sure to verify your Security Key.

What features are available in Mobile Banking?

Check Balances

Deposit Checks

Transfer funds between your SCNB accounts

View recent transactions

Locate branches

Locate ATMs 

What devices are supported at this time?

iPhone® – operating system 4.3 and higher

Android  – operating system 2.2 and higher

Can I use the Mobile APP for both my personal and business accounts?

Yes

Is there a fee for Mobile Banking?

There is no charge for using Mobile Banking unless you do not have eStatements and utilize the Mobile Deposit Capture services (refer to disclosure for fees) but message and data rates may apply. Check with your mobile carrier.

Is Mobile Banking Secure?

Yes. Mobile Banking utilizes the same multi-factor authentication as Online Banking.

Do I have to agree to the Terms and Conditions to participate in Mobile Banking?

Yes. You must read and accept the Mobile Banking Agreement, Disclosure and Online Banking Addendum. You will also need to read and accept the Mobile Deposit Capture Disclosure the first time you use your device to deposit a check.

What do I do if my mobile device is lost or stolen?

Contact your mobile provider immediately so that your service can be suspended.

Contact SCNB Customer Service at 1.855.647.0071 during normal business hours immediately to block the Mobile App from the lost or stolen device. Note: Your password is not stored on the device so an individual would not be able to log in to the APP if your device is lost or stolen.

What if I find my mobile device after reporting it lost or stolen?

Contact your mobile provider so that your service can be reinstated.

Contact SCNB Customer Service at 1.855.647.0071 so the block can be removed from the Mobile App.

What languages is Mobile Banking available in?

English

Is Mobile Banking available outside the United States?

Yes, as long as your mobile device has a working Internet connection. Additional charges may apply for phone use. Please check with your carrier.

What if I receive a security or challenge question that is not mine or a blank question?

You may either be locked out due to invalid password or your phone has been blocked. Contact SCNB Customer Service at 1.855.647.0071.

What happens if I enter my log in information incorrectly?

You will be able to log in again. If you exceed the allowable number of attempts to log in, you will be locked out and will need to contact SCNB Customer Service for assistance at 1.855.647.0071.

Will the APP time out?

Yes. Duration of Session “time outs” can be adjusted within the Settings function.

How do I log out of the Mobile App?

iPhone – Log out option is located at the top right of window.

Android – Log out option is located at the top right of window.

What if I want to complete a Bill Pay transaction or External Bank to Bank transfer?

This functionality is currently unavailable within the Mobile App. You will need to log in to your Online Banking service via www.scnb.com to access this functionality.

How do I find SCNB Branch and ATM locations?

From the log-in window, select the "globe" icon. Or, once logged in, from the item list under "other" section, select locations. Your device will ask if you would like to turn on Locations Services. If you select yes, the map will automatically pin your current location and provide the nearest branches within a 20 mile radius.  

Note – When using locations, if you don’t allow your phone to use your current location, you must enter a zip code to access a list of locations.

ATMs - If searching for ATMs only, you will receive ATM locations within a 20 mile radius.  This list does not include branches with ATMs.  Branches with ATMS will appear listed as a branch.

How much transaction history is available through Mobile Banking?

Transaction history can be adjusted up to 99 days within the Settings function.

How can I make changes to my password, user ID, etc.?

Changes to log in information must be changed in SCNB Online Banking Service to reflect in Mobile Banking.

How can I change my Mobile Account settings?

Changes such as accounts that are displayed, nicknames, etc. must be changed in SCNB Online Banking Service to reflect in Mobile Banking.

What happens if I change my mobile phone number, provider, or get a new device?

Depending on the circumstances and/or the mobile device, the Mobile Banking APP may have to be re-downloaded. Contact your service provider for more information.

Do I ever need to update the Mobile App after downloading it for the first time?

From time to time, updates to the SCNBmobile APP may be made available that incorporate new functionality and/or improve the product for our Clients.

 

Mobile Capture

How do I take a picture of the check to deposit?

With a steady hand, place the check on a flat, dark colored, well lit non reflective surface. Ensure the top, bottom and side edges of the check are visible, and verify quality of check before accepting picture for deposit.

What is the maximum deposit amount I can make?

The maximum amount per deposit is $5000.00.

What if I don't recall if I deposited a check through deposit capture on the mobile app?

You have the ability to view prior deposits in the capture app, and the app will not allow you to deposit a duplicate check.

When will my funds be available?

Deposited funds will be held for 2 business days and available on the 3rd business day after deposit.

Is there a charge to make a deposit through the app? 

The $0.40 cents per deposit fee is waived for clients who have eStatements.

How do I endorse the check?

Check should be endorsed ‘for deposit only' with your signature below.

What do I do with my check after I deposit it?

Keep the check for a minimum of 14 days in a secure location. After the 14 day time frame the check should be shredded.

Additionally, we recommend that you ensure no images of checks are retained in the photo gallery of your device.

How late can I make a deposit for it to be credited the same day?

Deposits made by 6:00 PM will be credited for that business day.

Who can I contact for help?

Please contact Suffolk County National Bank with any questions via e-mail to scnbib@scnb.com or by phone during normal business hours at 1.855.647.0071.

 iPhone and iTunes are registered trademarks of Apple Inc.  Android and Google Play are trademarks of Google Inc.  

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