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Deposit a check with your smartphone!
Anytime. Anywhere. 

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Frequently Asked Questions:


Q. What is SMARTDeposit and how does it work?

A.  SMARTDeposit
works with our TBTgomobile app and allows customers to securely capture the front and back image of a check and conveniently deposit from their smartphone. Once captured, check images will be saved for a period of 5 days. We strongly advise that customers safely and securely store their captured checks for a minimum of fourteen days then shred.

Q. How does a customer request a limit change?

A. All limit changes must be approved by the Account Officer and must be handled by a T3 Support Agent. T3 may be reached by calling (903) 237-1881 or by email at T3@texasbankandtrust.com.


Q. What are the fees for SMARTDeposit?

A. SMARTDeposit is offered at no additional cost to the customer if they use our default limits. Should a limit increase be approved by the Account Officer, additional charges may apply. The customer will be charged monthly based on the amount of the increase as it relates to their item count only.

Q. What are the processing cutoff times and will this show in a customer’s Available Balance?

A. All items captured M-F before 6:00pm CST will be DEPOSITED SAME DAY but will not post to a customer’s “Available Balance” until end of day processing. All credits received for the current day will post before debits.  Items captured on a non-banking day will be processed the following business day.

Q. What makes a customer eligible for SMARTDeposit and what type of accounts can use this service?

A. Accounts must be open and active for a period of 30 days with no charge back activity in excess of $1,500.00.  SMARTDeposit will be available for any Consumer checking or savings account as well as our Small Business checking account types.

Q. How does a customer enroll/un-enroll?

A. All current Online Banking customers who are eligible for this service will automatically be enrolled and simply need to download our current TBTgomobile app if they are not currently setup for mobile banking.  Customers who choose to un-enroll may contact T3 support at (903) 237-1881.

Q. How does a customer access SMARTDeposit from their App?

A. In the step-by-step instructions below, you will find examples of the screen shots for both iPhone and Android devices to assist with using this service for the first time. Please note that if your screens do not look like the ones that are listed in the step-by-step instructions, you can visit your iPhone App Store or Google Play for Android and re-download the TBTgomobile app.

Step-By-Step Instructions for iPhone, iPad, and Android devices


For questions and any additional information please contact your T3 support team at 903-237-1881 or chat with a T3 member using our Live Chat option within your online banking account. 

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