Mobile Banking

At Bank of Cadiz & Trust Co. we keep banking simple for you. That’s why we offer Mobile Banking so you can bank wherever you are and on your time. Our Mobile App is available for iPhone ® and Android® phones. With just a few taps on your mobile device¹, you can check balances, make transfers, mobile check deposit². In order to use our mobile app you must be enrolled in Online Banking. Our Mobile Banking also lets you do text banking. Please see our Mobile Privacy Disclosure 

Download our Mobile App:

For iPhone® and Android® Phones¹
You must be enrolled in Online Banking to sign in to the app. 

How to Download:
Go to Apple App Store or Google Play Store and search for "Bank of Cadiz". 
If you do not have an  iPhone® or Android® Phone, you can access the mobile browser application site at any time. Click below: 

Mobile Browser Site


  • Check account balances
  • Transfer funds
  • Mobile Check Deposit ²
  • Text banking
  • View history and check images
  • Preview balance - Keep tabs on your finances at a glance with Preview. You can view your balances without signing into the app.
  • Touch ID - Available for iPhones® now. You can use the Touch ID to get into the app without signing in.

Mobile Check Deposit
No need to drive to the bank when you want to deposit a check. Mobile Check Deposit ²  is a convenient, easy way to deposit checks from your mobile device into one of your accounts. With the  Bank of Cadiz & Trust Co. Mobile app on your iPhone or device utilizing the Android device, you can take a photo of your check, enter the check information and securely submit your deposit for processing. 

Mobile Check Deposit Process:

In the app click on Check Deposit. Before you begin, properly endorse your check with your signature. The endorsement should read: Mobile Check Deposit and check mark the box for Mobile Deposit if printed on your check. For additional information about Mobile Check Deposit click here . Mobile Deposit Limit is $2,500 per day. Mobile Check Deposit time cutoff time is 3:00pm CST. 

Select either "Front" or "Back" camera icon to take a photo of your check. Align the check image with the camera viewfinder frame. Be sure to take a photo of the check side that matches the helper text: "Front" or "Back" in the viewfinder. Tap the camera icon in the viewfinder to take the picture. If the preview looks correct, select the "check mark" button. If not, simply tap the "Redo" button and try again. In the "Amount" field, enter the amount of the check you are depositing. Be sure it matches the amount on the check. Tap the "Deposit" To" field to select a deposit eligible account. After all the required fields are completed, the "Continue" button will appear enabled. Enter your email address in the "Email Receipt" field if you would like to receive an email receipt of your deposit request. Review your entries and select the "Continue" button. Select the "Approve" button to finalize your deposit request. 

Text Banking

Text Banking ³  gives you access to your accounts via text (SMS) messages on your phone. It's a fast, easy way to look up account balances or recent account history by sending a text command to a shortcode.

How to enroll: You must log in to Online Banking, select the Mobile Management link under the User Services tab, and follow the instructions to retrieve an activation code. The activation code will be required to begin using SMS text banking on your device.

Text Banking Commands

Text to Shortcode: 96865

  • B (Summary of available balances for ALL accounts) 
  • B # (Receive balance of a specific account using the number assigned to that account) Example: B 1 or BAL 1
  • H (Summary of recent transactions per account)
  • H # (Receive the transaction history using the number assigned to that account)
    Example: H 1 or HIST 1 
  • C (List of available text banking commands)
  • HE (Help content for text banking)
  • S (Stop - terminates all text services)

Need Help?
Contact any of our locations :

Cadiz: 270.522.6066 | Hopkinsville: 270.885.3211 | Murray: 270.759.4852

Read our Mobile FAQs

¹Message and data rates may apply. ²Mobile Check Deposit is available for iPhone® and Android® devices that have the Mobile Check Deposit feature. The feature requires a device with an auto-focus phone camera. Mobile Check Deposit fee is $1.00 per deposit. Apple, the Apple logo and iPhone® are trademarks of Apple Inc. registered in the US and other countries. App store is a service mark of Apple Inc.. Android®, Google Play and the Google Play logo are trademarks of Google Inc.  ³Mobile Banking allows for text messaging (SMS).  Message and data rates may apply. Check with your mobile service provider for details. 

Mobile App and Mobile Check Deposit Now Available!

For FAQs regarding our Mobile App and Mobile Deposit click below: 

Mobile App FAQs

Preview Balance 
Keep tabs on your finances at a glance with Preview. You can view your balances without signing into the app.