Mobile Banking

Get your account information at your fingertips. Log on to mobile banking using your online banking User ID and password on your cell phone to check balances, transfer funds, and more. It is easy to manage your finances on the go when you take advantage of Commercial Bank and Trust Company’s mobile banking. Mobile banking uses the web browser on your cell phone so you can easily and securely:

• Check the available balance in your accounts
• Transfer money between your accounts
• View recent transactions

We are proud to offer mobile banking to all of our customers. It is easy, fast, convenient and FREE*!

*You will be charged internet access rates depending on your carrier. Web access is needed to use mobile banking. Check with your service provider for details on specific fees and charges.

Get Our App Today!

Go to the App Store or Google Play with your mobile device and download today!

Read our Mobile Privacy Disclosure.

Mobile Check Deposit

Make depositing checks as easy as taking a photo. Follow these guidelines to ensure your funds are processed quickly and successfully.

1. Prepare Your Check

To avoid an automatic denial, please ensure the back of your check is properly endorsed. You must:

• Sign your name as usual.

• Check the box labeled “Check here if mobile deposit.”

• Alternatively: Write “For Mobile Deposit” clearly under your signature.

*Note: If the check is not marked for mobile deposit, our system will unfortunately have to decline it.

2. Deposit Limits

• Per Check: Up to $5,000
• Daily Total: Up to $10,000 (multiple checks combined)

3. Timing & Availability

Knowing when your money will hit your account helps you manage your finances better.

• Deposit cutoff time: 4:00 p.m.
• If you submit a deposit after 4:00 p.m., it will be processed the next business day.
• If you submit after 4:00 p.m. on Friday, it will be processed on Monday (or the next business day).

4. Approval Process

Every mobile deposit is reviewed by a member of our team to ensure everything is in order.

• Keep an eye on your inbox: We will email you once your deposit is reviewed.

• Status Updates: The email will confirm if your deposit was approved or denied. If denied, we will provide a specific reason and steps to fix it.

• Final Step: Even after approval, funds undergo nightly processing and will generally show in your balance by 10:00 p.m.

Digital Wallet is Here!

Pay Smarter. Pay Safer. Experience a seamless way to shop by adding your debit card to Apple Pay or Google Wallet. When you "tap and pay," your actual card number is never shared with the merchant. Instead, a unique digital ID is used for every transaction, meaning hackers can’t steal information they never see. It’s faster, easier, and significantly more secure. 

How to Set Up Apple Pay 

1. Open the Wallet App: Tap the plus (+) icon in the top-right corner. (Alternatively, go to Settings > Wallet & Apple Pay).
2. Add Your Card: Tap Continue and position your card in the camera frame to scan it automatically, or select Enter Card Details Manually.
3. Accept Terms: Review the Issuer Terms and tap Accept to proceed.
4. Verification: Apple will quickly verify your info with your bank. Simply follow any remaining on-screen prompts.
5. Start Shopping: Once verified, your card will appear in your Wallet—ready for your next "tap and pay" purchase.

How to Set Up Google Wallet 

1. Open Google Wallet: Launch the Google Wallet app on your Android device.
2. Add to Wallet: Tap Add to Wallet (+) at the bottom of the screen.
3. Select Payment Card: Choose Payment card, then select New debit card.
4. Enter Details: Use your camera to scan your card automatically, or select Enter Details Manually.
5. Save & Review: Tap Save, then Continue. Review the Issuer Terms and tap Accept.
6. Verify & Finish: Follow the on-screen instructions to complete your bank’s verification. Once finished, you’re ready to "tap and pay!"