Bank on the go with BNC Mobile and Text!

Enjoy the convenience of FREE Online Banking right from your mobile device with BNC National Bank’s Mobile Banking.


Mobile & Text Assistance Guides:

Mobile App Enrollment Guide - Android

Mobile  App Enrollment Guide - iPhone

Mobile Enrollment Guide

Text Enrollment Guide

Mobile Deposit Guide


Text Banking

Text Banking allows you to quickly send and receive texts requesting account balances or account history without logging into your Online Banking or BNC Mobile account. Message and Data rates may apply. Text HELP at anytime to 89549 for a list of the commands.

To enroll, please see the Mobile Enrollment or Text Enrollment Guide.


Mobile Deposit is here...and its FREE!

To enroll, simply call 1-800-BNC-BANK (262-2265) or contact us at today!


Mobile Deposit FAQs
What is Mobile Deposit? Mobile Deposit allows you to deposit checks from BNC’s Mobile App. Simply take a picture of the front and back of your endorsed check, and then submit it for deposit to your approved BNC National Bank checking, savings or money market account. For details, please refer to Mobile Terms & Conditions.
Is there a fee to use Mobile Deposit? BNC National Bank does not charge a fee for Mobile Deposit.
How do I get Mobile Deposit? To enroll in Mobile Deposit, simply contact BNC National Bank. Visit your branch, call 1-800-BNC-BANK (1-800-262-2265) or email us at
What accounts are eligible for Mobile Deposit?

Consumer checking, savings and money market accounts are all eligible for Mobile Deposit.

Business checking and money market accounts are all eligible for Mobile Deposit.

Are there deposit limits?

Consumer: The maximum deposit limit is $2500 daily and $5000 monthly. There is no limit on the number of checks you can deposit per day or per month.

Business: The maximum deposit limit is $7500 daily and $15000 monthly. There is a limit of 5 checks deposited a day and no more than 20 checks per month.

When are my deposits available?

Funds deposited using Mobile Deposit will generally be made available the next business day from the day of deposit. However, the availability of funds may be delayed for a longer period of time under certain circumstances. Deposits received and accepted by 7:00 p.m. Central Time on a business day we are open is considered to be received that day. Deposits received after 7:00 p.m. Central Time will be received on the next business day.

All Mobile Deposits are subject to verification and will not be available for immediate withdrawal.

What types of checks can I deposit?

You can deposit any check payable in U.S. dollars and drawn at any U.S. bank. These checks must be payable to, and endorsed by the account holder.

International checks, U.S. Savings Bonds, U.S. Postal Money Orders, remotely created checks, convenience checks, and cash are not eligible.

What are the endorsement requirements for Mobile Deposit? Checks must be payable to the account holder and endorsed by the account holder. Additionally, a restriction should be placed on the endorsement by printing these words directly underneath the endorsement: Mobile Deposit Only. Failure to properly endorse checks could result in termination of service.
What do I do with my paper check? After submitting the check through Mobile Deposit, review your account history the next business day to verify the deposit. Once you have verified the deposit, you may destroy the original paper check. Checks should be destroyed within 14 days of making your deposit.
What devices are supported for Mobile Deposit? iPhone®, iPad® and Android™ devices are supported for Mobile Deposit.
Why do I not have the Mobile Deposit option available in my Mobile App? You will need to contact BNC National Bank to enroll in Mobile Deposit. Visit your branch, call 1-800-BNC-BANK (1-800-262-2265) or email us at
How do I review my Mobile Deposits? To review Mobile Deposits, simply open BNC’s Mobile App. Then, click Mobile Deposit and then Review Deposits.


For more information on this or other products and services Contact Us.

Online Banking

Application Center

Select from the list below to open the account of your choice today!

How Can We Help You?

Not in our list? No problem! Contact us or call 1-800-BNC-BANK and we will gladly help you.