Frequently asked questions

1. When is my account eligible for Mobile Deposit?
A consumer account (personal checking, savings or Money Market account) is eligible when it has been open for at least 30 days.
2. How do I get Mobile Deposit?
Mobile Deposit is available through the Bank’s Mobile Banking App using any of the following mobile devices:
  • iPhone
  • iPad
  • Android Phone
  • Android tablet (IF IT HAS A REAR-FACING AND AUTO-FOCUS CAMERA)
3. Where do I get the Bank’s Mobile Banking App?
Red River Bank’s Mobile Banking App is free from the iTunes Store for iPhones and iPads; Google Play store for Android phones and tablets; and Amazon store for the Kindle Fire HD. Mobile Deposit is not supported at this time for the Kindle Fire HD tablets and Android tablets without a rear-facing, auto-focus camera.
4. What type of checks can I deposit with Mobile Deposit?
Most domestic checks made payable to the account owner. You cannot deposit Money Orders, Foreign Checks, Savings Bonds or Third Party Checks through Mobile Deposit.
5. Are there any limits on the dollar amount of deposits I can submit?
Yes, you may deposit up to $2,000 on a single day or a maximum of $5,000 in any 30-day period. Any items presented in excess of these limits will be declined.
6. How do I endorse the check I am depositing?

In ink, endorse the check as follows:

Your Signature
For Red River Bank Mobile Deposit Only
Account #

If the check does not bear the For Red River Bank Mobile Deposit Only restrictive endorsement, the deposit will be declined by the bank.

7. How does Mobile Deposit work?
It is secure and easy to use.
  1. Log into Red River Bank’s Mobile Banking App.
  2. Select “Check Deposit” from the menu.
  3. Enter the check amount and the account to which it is to be deposited.
  4. Take a picture of the front and back of your endorsed check with your mobile device.
  5. Review for accuracy and image quality and click "submit".
8. How do I make sure I take a good image of the check?
Taking high-quality photo of your check is the best way to ensure your deposit is successful.
  1. Place the check on a dark-colored plain surface that’s well lit.
  2. Make sure there are no other objects around the check that will be in the photo image.
  3. Position your camera directly over the check, not at an angle.
  4. Fit all four corners of the check in the guides on your mobile device’s camera screen.
  5. Give the camera time to focus on the check so that the check image isn’t blurry.
9. Do you have helpful hints to make using Mobile Deposit more efficient?
Helpful hints are:
  1. Make sure the check amount entered matches the amount written on the check.
  2. Endorse the check before you begin Mobile Deposit. Be sure to include in the endorsement “For Red River Bank Mobile Deposit Only”.
  3. Make sure the check is flat before taking the photo. Unfold and smooth crumpled checks.
  4. Hold the phone flat and steady above the check when taking the photo.
  5. View the photo images to make sure the whole check is captured and the images are not upside down.
10. What if I have an account that is not listed in Mobile Deposit?
Accounts become automatically eligible for Mobile Deposit once the account has been open for at least 30 days. If the account has been open for greater than 30 days, verify that the account is listed on your Mobile Banking Account Overview screen. If not, request the Bank to add the account to your Online Banking profile.
11. Do I photograph both the front and back of my check?
Yes. You will be required to photograph the front and back of the check in order for the deposit to be completed.
12. How will I know if the bank received my deposit?
You will receive an email notification when your deposit has been received by the bank. This however does not indicate that your deposit has been approved and accepted by the bank. That will be confirmed in a separate email.
13. How will I know when the bank processes my deposit?
You will receive a second email notification on the status of your deposit. This email will indicate if the deposit was approved or declined for processing. If declined, a reason will be provided.
14. What do I do if the bank declines my Mobile Deposit?
The email notification concerning the decline will provide the reason. If the reason is the image quality or lack of proper endorsement, you may correct the problem and re-deposit the item through Mobile Deposit. If the check is unable to be processed through Mobile Deposit, the email notification will advise you to bring the check into the bank for processing.
15. When will a deposit made through Mobile Deposit post to my account?
If your deposit is approved by the bank before our daily cutoff time of 4:00pm CST, your deposit will post to your account during the same business day’s posting process.
16. When will funds from a Mobile Deposit be available to me?
Generally, funds will be available to you the business day following the date of deposit. Additional delays may apply based on any other factors as determined by us in our sole discretion. For further information about funds availability, please refer to our Funds Availability disclosure in our Your Deposit Account brochure.
17. How much does Mobile Deposit cost?
There is no fee for using Red River Bank mobile deposit.
18. Can I deposit more than one check at a time?
Only one check can be deposited per transaction. There is no limitation on the number of checks you may deposit per day. However, there is a $2,000 amount per day threshold limit.
19. What if the check image I photographed is bad?
You have the option to retake photographs of the check before submitting for deposit until the photographs are clear or you may cancel the deposit. If you are unable to photograph a clear image and have to cancel the deposit, you may deposit the check at a banking center location.
20. Do I destroy my check after I photographed the deposit?
Do not immediately destroy the check in the event the deposit is not approved. You may destroy the check when you receive an email notification that the deposit was approved by the bank and you see the deposit posted to your account. We highly recommend that the check be stored in a secure place until it is destroyed by shredding.
21. What if I submitted a deposit for the wrong amount? Do I need to resubmit the deposit?
No, you do not need to resubmit your deposit. Our Operations Center will correct the deposit amount.
22. What if I submit the same deposit twice in error?
If the same check is submitted twice for deposit, it will be identified as a duplicate and stopped by our processing. Should this occur, you will receive a declined deposit notification for the second deposit received through Mobile Deposit.
23. A check I deposited through Mobile Deposit was returned unpaid. Can I resubmit it through Mobile Deposit?
No. When you receive the charged-back item from the bank, you will need to deposit the item through a banking center location.
24. Do I need a certain type of mobile phone to use Mobile Deposit?
Mobile Deposit is supported on Apple iPhones and on Android phones.
25. What type of internet connectivity do I need?
Your mobile phone must have an appropriate data plan with your phone provider that allows transmission of data over the internet.
26. Why don’t I have Mobile Deposit on my tablet App?
At this time, Mobile Deposit is supported on the Apple tablets. Mobile Deposit is also supported on an Android tablet IF IT HAS A REAR-FACING, AUTO-FOCUS CAMERA. Mobile Deposit is NOT supported on the Kindle Fire HD since it doesn’t have a rear-facing camera.