Mobile Remote Deposit
You can make check deposits from your smartphone or tablet by using the Red River State Bank Mobile App. Simply take a photo of the front and back of your check and click “Submit”. It’s easy and convenient.
Take advantage of the exciting benefits of Consumer Mobile Remote Deposit (AKA Mobile Check Deposit):
- Enjoy the Convenience – Make deposits day or night from virtually any location. No additional banking fees for Mobile Remote Deposit.
- Save Time – Eliminate a trip to the branch. No need to wait for a check deposited by mail to be received at the bank.
- Expedite Funds – Receive immediate access to funds if deposit credit is available.
- Deposit with ease – Make quick successful deposits.
What is Red River State Bank Mobile Remote Deposit?
Red River State Bank Mobile Remote Deposit lets you deposit a check into an eligible Red River State Bank consumer Checking, Savings, or Money Market account using your Red River State Bank mobile app on supported iPhone®, iPad®, or Android™ device.
Who is eligible to use the Mobile Remote Deposit?
Red River State Bank Online Banking clients who maintain an eligible consumer checking, savings or money market account, and who have accepted the Mobile Remote Deposit Agreement (Terms and Conditions) are eligible to use Mobile Remote Deposit. Enrollment is subject to availability.
How do I as a client get access to Mobile Remote Deposit?
To access Mobile Remote Deposit through the iPhone®, iPad® or Android™ device, you must have at least one eligible Red River State Bank Consumer Checking, Savings, or Money Market account.
You must also download the Red River State Bank mobile app on the Apple App Store or Google Play.
Our app is free, standard rates and fees may apply from your wireless carrier. App Store is a service mark of Apple Inc. Android is a trademark of Google Inc.
Are there any fees?
There is no additional fee for using Mobile Remote Deposit, but we recommend you check with your service provider if there are any wireless carrier fees.
What are the steps to getting started?
- After you have downloaded the mobile app, login and under Menu’s, click Messages, then click Or Choose a form to Submit, then click Mobile Remote Deposit Enrollment. Complete all fields and Submit. You will receive a registration email within two business days.
- After you have been registered to use Mobile Remote Deposit, login to the app and click Deposit Checks from your menu. The Mobile Remote Deposit Agreement will pop-up. Choose to “Accept Terms” of the Agreement. You are now ready to deposit checks.
How do I deposit checks in Mobile Remote Deposit?
- Endorse the back of your check with your signature and with the legend “For Mobile Deposit Only”.
- Click Amount to enter the amount of the check. Click Account to select the deposit account. You can choose to set up more than one account for remote deposit.
- To begin taking photos of the check, select Front to activate the camera to take a photo of the front of the check. Follow the instructions to line up the check correctly. The photo will automatically be taken.
- Select Back to activate the camera to take a photo of the back of the endorsed check. The image will automatically be taken.
- Click Review at the bottom of the screen. You may click Repair if you want to retake the photo.
- When you are satisfied with the way the photos look, click Submit.
How much can I deposit through Red River State Bank consumer Mobile Remote Deposit?
You will receive a registration email with your daily item limit and daily dollar limit.
What types of checks can I deposit through Red River State Bank Mobile Remote Deposit?
- Most U.S. personal checks
- Most U.S. business checks
- Most Federal/Government/Treasury checks
- Most cashier’s checks
- Checks must be from a U.S. institution and in U.S. dollars.
- They must also be payable to, and endorsed by the account holder. Checks payable jointly must be deposited into an account with the name of all payees.
U.S. Savings Bonds, international/foreign checks, remotely created checks (whether in paper form or electronically created), substitute checks, convenience checks (check drawn against a line of credit), many rebate checks, some Money Orders*, and cash are not eligible for Red River State Bank Mobile Remote Deposit.
The lists is not all inclusive.
*There could be security features within the background of Money Orders that could trip up image processing systems such as our Mobile Remote Deposit. If you try depositing a Money Order but it rejects, we recommend depositing the Money Order at any Red River State Bank location during lobby hours.
How long should I keep the original check after I deposit it?
Please keep the original check for fourteen (14) Business Days after you have deposited it. This allows sufficient time in case the original check is required for any reason. Once fourteen (14) Business Days have passed and you have verified that the money has been credited to your account, you should destroy the check by shredding it or cutting it into very small pieces. You may also bring it into the bank for disposal. Do not attempt to deposit the check again.
Why are my check images being rejected?
It could be because the image wasn’t clear enough. Keep hands clear of the check when photographing. For best results, lay your check on a flat, dark surface in a well-lit area. Hold the camera steady and make sure all four corners of the check are captured in the picture. To avoid a deposit error, make sure the check is not folded or torn. Also, make sure you have endorsed the back of the check. Last, make sure the entered amount matches the amount on the check.
When will my funds be available?
Deposits are subject to verification and funds may not be available immediately.
Once you’ve made your deposit, you’ll see the item pending in your Mobile App.
What time do I need to deposit my check in order for it to be available the same day?
The cut-off time for a remote deposit is 2:00 pm CST to be available that same day. If the deposit is received after 2:00 pm CST, the deposit will be available the next business day.
What happens if there is an issue with the remote deposit?
If there is a problem with the transaction, like insufficient funds or potential fraud, you will receive an email asking you to bring the check to a bank office location to resolve the issue. This is why it is important to keep the original check for fourteen (14) business days.