Mobile Deposit

Requirements¹⁷

• Customer must be an owner/signer on the account
• Account must be in good standing and no more than three (3) returned deposit items in a 6-month period
• Must be enrolled in online banking
• Must have the RCB Bank mobile banking app installed on your iPad^®, iPhone^®or Android™ device

Check Deposit Guidelines

• Daily and monthly deposit limits apply
• Limit of 100 deposits per month
• 7 p.m. (CST) cut off time (funds may not be available for immediate withdrawal)
• Please keep deposited checks for 60 days before destroying
• You will receive a message via email when checks are accepted for review and an additional email if a check is declined.
• Checks must be payable to the account owner
• Must sign the back of the check with a “For Mobile Deposit Only to RCB Bank” endorsement
• The endorsement on the back should match how the check written. For example, if it is written to Jonathan Smith, it should be endorsed Jonathan Smith.
• Checks written to a business should be endorsed with the business name. For example, a check written to John’s Flower Shop, should be endorsed as John’s Flower Shop.

Items that CANNOT be deposited

• 3rd party checks (i.e., checks not made payable to the owner(s) of the account)
• Foreign checks
• Bonds
• Returned or re-deposited items
• Rebate checks
• May not be able to image Money Orders
• Checks requiring two signatures