Online & Mobile Banking

Bank of Pontiac provides financial convenience around the clock, around the county and around the world. We've made it possible to access your accounts any time, anywhere, so you can spend less time worrying about your finances and have more time to yourself!

Wherever you have access to the Internet – home, work, school or while traveling – you also have FREE, convenient access to your Bank of Pontiac accounts.

  • View your personal and business accounts
  • Confirm deposits and withdrawals
  • Transfer money to cover a check, add to your savings or make a loan payment
  • Schedule reoccurring and future transfers
  • Reconcile your accounts instantly
  • Download account information into financial management software
  • Enter stop-payment requests (stop-pay fee applies)
  • Generate custom reports
  • View check images
  • Create balance and item alerts
  • Sign up for eStatements
  • Realtime account information
  • Available 24 hours a day, every day of the year

More information on Online Banking can be found on the Digital Banking User Guide.

Anchor: mobile-banking

Do your banking anytime and anywhere with Bank of Pontiac's Mobile Banking! It's free, convenient and secure! With our Mobile Banking, you can manage your accounts without even getting on a computer. Mobile Banking allows you to access your Online Banking by either an Internet-enabled mobile device or from our iPhone® or Android™ Mobile Banking Application ("App") using your existing Online Banking credentials. You can learn more information on the  Digital Banking User Guide.

Mobile Banking will allow you to:

  • Check account balances
  • View account history
  • Transfer funds
  • Set up User Alerts
  • Pay bills
  • Deposit checks
  • Find Branch & ATM information
  • Set up  Account Alerts

You must be an Online Banking customer in order to use Mobile Banking. If you're not an Online Banking customer, simply enroll now by calling 855-844-6151for Online Banking!

Download on the app store Get it on Google Play

Download the free Bank of Pontiac Mobile Banking app for your iPhone® or Android™ device! Our native app is free, secure and easy to use!

Bank of Pontiac’s iPhone® or Android™ Mobile Banking Apps will allow you to:

  • Check account balances
  • View account history with check images
  • Transfer funds
  • Pay bills
  • Deposit checks
  • Find Bank of Pontiac ATMs and branch locations

Once you download our mobile banking application, you’ll simply use your existing Bank of Pontiac Online Banking username and password each time you wish to access your online account information. If you're not an Online Banking customer, enroll now by calling 855-844-6151for Online Banking!

*Although Mobile Banking is provided by Bank of Pontiac free of charge, you may be charged access rates depending on your mobile carrier. Web access is needed to use Mobile Banking. Check with your service provider for details on specific fees and charges.

iPhone® and iTunes® are registered trademarks of Apple Inc.

Android™ is a trademark of Google Inc. Google Play™ is a trademark of Google Inc.

It's here! With Bank of Pontiac's Mobile Check Deposit, you can deposit a check using our mobile banking app and the camera on your smartphone. Enroll for Mobile Check Deposit through the Bank of Pontiac Mobile Banking app. Once you receive an approval message, you can start using Bank of Pontiac's Mobile Check Deposit! Endorse the back of the check with "For Mobile Deposit Only" or "For Mobile Deposit Only, account __________" above or below your signature. Then simply take a picture of the front and the back of the check, enter the check amount, and submit your deposit! Read the Bank of Pontiac Mobile Deposit Agreement and the Bank of Pontiac Mobile Deposit FAQs for more information.

Mobile Deposit is a service that allows you as a customer to deposit a check through the Bank of Pontiac mobile app using the camera on either an iPhone or Android smartphone. Mobile Deposit is fast, free and secure for active Bank of Pontiac online banking customers. Please be aware that message and data rates may apply so please check with your communication service provider for any access rates, texting charges and any other applicable fees.

  1. From the mobile app on your iPhone or Android device, go to the menu in the upper left-hand corner and select Mobile Deposit and then Enroll.
  2. Complete and submit the enrollment.
  3. Within 2 business days you will receive an email indicating you have a message in online banking.
  4. Log into your online banking account to retrieve your message. From a PC, select the Contact Us option at the top of the screen to display your messages. From the mobile app, select Message Center from the Menu.
  5. If you have been approved, you are now ready to begin using Mobile Deposit.

Download on the app store Get it on Google Play

Mobile Deposit is open to consumer and small business accounts that have been open for at least 60 days, and the account is maintained is a satisfactory manner (no overdrafts for 60 days). For consumer requests, the customer must be at least 18 years of age to be eligible. For other business accounts with a larger volume of checks to deposit, Remote Deposit Capture is recommended.

Note: The Bank reserves the right to revoke Mobile Deposit at any time for any reason, and reinstatement would be allowed only after a review of the affected account.

Please endorse the back of each check and print “For Mobile Deposit Only” or “For Mobile Deposit Only, account _________” above or below your signature. Failure to properly endorse a check may cause the deposit to be rejected.

Single-party checks made payable to the account owner or joint accounts owner(s) that have properly endorsed the check.

The following items should not be submitted:

  • Bank of Pontiac checks drawn on the account to which you are making the deposit.
  • Third-party checks-checks written to someone else, endorsed and signed over to you.
  • Incomplete items-checks that are missing a signature or other information.
  • Non-negotiable items-checks that have a “Non-Negotiable” watermark or check stubs.
  • Returned checks-any check that has been previously deposited and returned for any reason.
  • Altered checks-any check that has evidence of a change such as correction fluid or crossed out amounts.
  • Foreign checks-any check drawn on a non-U.S. financial institution.
  • Stale-dated checks-any check that is more than 6 months from the date of issuance or any check that has on the face of the check “void after XX days” and is outside that stated period.
  • Rebate checks
  • Savings bonds

You will receive an email notification indicating if your deposit was approved or rejected.

The standard default limits for mobile deposits are $10,000 per day and $30,000 per 30 day calendar period. In addition, there is a limit of 30 checks per month that can be deposited.

Mobile deposits made before 6:00 PM CST will be available the next business day. Mobile deposits made after 6:00 PM CST would be available the second business day following the deposit. Business days are Monday through Friday, with the exception of Federal holidays.

Once the item has been deposited to your account, either mark the check as Mobile Deposit with the date, Electronically Presented or mark the check “Void”. Please retain the check for a period of 60 to 90 days before securely destroying the check by shredding.

Bank of Pontiac’s online banking, mobile apps, mobile deposit and other services we offer to make banking more convenient are safe and secure. However, it is important that you also take appropriate steps to protect the security of your mobile device and accounts. We recommend:

  • Locking your mobile device
  • Keeping your mobile device secure at all times
  • Keep your online banking login and password secure
  • Never share your login or passwords for any financial services product
  • Contact the Bank immediately if you think your login information has been compromised
For more information, please review the Mobile Deposit User Agreement.

Stop paying bills the old fashioned way and experience the convenience of Online Bill Pay*.

  • Pay your bills 24 hours a day, every day of the year
  • No more checks, stamps or envelopes
  • Once you’ve established your payees, the system maintains a record of payee information
  • Paying your bills is easy – just select the payee, enter a payment amount and choose a payment date
  • Pay your bills from multiple checking accounts
  • Your bill payments will be itemized on your monthly checking account statement
  • Use Online Bill Pay to pay any bill – from utilities to credit cards…you can even pay local merchants

*Subject to approval; FREE with least one bill payment each month. Inactive accounts will be billed $4.95/month.

For more information or any questions, please contact Bank of Pontiac at 855-844-6151 or Online Bill Pay Support, on behalf of Bank of Pontiac, at 855-378-9321.

Manage your account on the go!

Check your account, transfer funds, pay bills, and more!

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