Mobile Deposit FAQ
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Want to learn more about Mobile Deposits from Blue Ridge Bank and Trust Co?
What is Mobile Deposit?
Blue Ridge Bank and Trust Co. Mobile Deposit is a service that allows you to electronically deposit checks from your iPhone® or Android™ device using Blue Ridge Bank and Trust Co.'s app.
How do I know if I am eligible to use Mobile Deposit?
To use Mobile Deposit, you must be a current Blue Ridge Bank and Trust Co. customer with a checking or savings account. Generally, you need to have been a bank customer for at least 30 days. Your loan and deposit accounts must be in good standing, which includes very limited insufficient and returned check activity. You must also be enrolled in Online Banking and have a compatible mobile device with Internet access.
How much does it cost to use Mobile Deposit?
Personal Mobile Deposit fees: Mobile Deposit is free of charge for Blue Ridge Bank customers when depositing to their personal checking or savings accounts. Deposit limits apply.
Business Mobile Deposit fees: Business Mobile Deposit is free of charge for Blue Ridge Bank customers when depositing to their business checking or savings accounts. Deposit limits apply.
Blue Ridge Bank and Trust Co. also offers remote deposit options for businesses with large volumes of checks. For more information on this, please contact a Treasury Services representative at (816) 795-4064.
Mobile data charges may also apply. Contact your wireless carrier for details.
How do I sign up for Mobile Deposit?
Personal customers can complete the online application located within the Blue Ridge Bank app. Simply download the Blue Ridge Bank app, select Mobile Deposit, and complete the enrollment questions. Once approved, you will received an email. It may take up to two business days to receive approval. Then you are ready to make your first deposit.
During and after enrollment in Mobile Deposit, please check your email account to make sure your Mobile Deposit notifications reach your inbox and are not blocked or sent to your "junk mail" folder.
How can I add an additional account to my Mobile Deposit service?
In order to add an additional checking or savings account to your service, please log into your Blue Ridge Bank Online Banking account from your computer and send a request using the Contact feature. Your request will be reviewed and you will be notified within two business days.
Are there limits to how much I can deposit?
Yes, accounts have a daily and monthly deposit limit (dollar amount and number of checks).
Personal Mobile Deposit users will generally have the following limits when using the service:
Daily - 5 checks or $1,500
Monthly - 10 checks or $3,000
Student Checking and Savings (owner must be at least 18 years old)
Daily - 5 checks or $500
Monthly - 10 checks or $1,500
Business Mobile Deposit users will generally have the following limits when using the service:
Daily - 10 checks or $10,000
Monthly - 20 checks or $20,000
Lower limits may apply.
Is Mobile Deposit safe?
Check deposits made through the Blue Ridge Bank and Trust Co. Mobile Banking app are protected according to the highest financial industry standards. Security features include: password protection, internet firewalls, and 128-bit encryption. Making a deposit with your phone is as safe as using Online Banking.
How do I make my first Mobile Deposit?
Making your first mobile check deposit is fast and easy:
- Make sure you have downloaded the Blue Ridge Bank and Trust Co. Mobile Banking app for either your iPhone® or Android™ device
- Log in using your Online Banking ID and password
- Choose "Mobile Deposit" then "Deposit Check"
- Select the account into which you want to deposit the check
- Enter the amount of your check
- Endorse the back of your check with "For Deposit Only, account #xxxxxxx"
- Snap pictures of the front and back of your check
- Submit the check for deposit
- You will receive onscreen confirmation that your check was received
- You will also receive an email confirmation of your deposit
That's it! You've sent your deposit through a secure connection to Blue Ridge Bank and Trust Co. You can review your Mobile Deposit and see the images you've submitted by selecting "Mobile Deposit" and then "Transactions." These images are available for 5 days. You can only deposit one check at a time.
Do you have suggestions for taking good photos on smartphones?
All images are reviewed for clarity and completeness. If an error is detected, the service will prompt you to retake the photo. Follow these tips to help ensure a good photo is taken:
- Use an area that is well-lit to prevent shadows
- Place the check on a dark surface
- Keep your hands clear of the check
- Remove objects or other items from view
- Make sure all four corners of the check are visible. Use the guides built into the App to help you line up the picture
- Position the camera directly above the check
Why am I unable to deposit my check?
There are a few common errors that may cause your check to be rejected:
- Folded or torn corners
- Front image is not legible
- Amounts not matching
- Routing and account numbers are unclear
- No camera on the device
- Image is too dark
Try using mobile deposit in a well-lit area to prevent shadows and poor image quality. Keep your hands clear of the check while taking the picture.
How will I know when the check has been posted to my account?
If your deposit was accepted prior to 6:00pm CST, your deposit will generally be available the next business day, unless a hold is applied. If a hold is applied, you will be notified. You will know that your deposit amount is available when the amount appears in your available balance.
Deposits made after 6:00pm CST or on weekends or holidays, are generally available on the 2nd business day after the day of your deposit, unless a hold is applied. Business days are Monday through Friday except holidays.
For example, funds deposited on Monday before 6:00pm CST will be made available in your account on Tuesday. Funds deposited on Monday after 6:00pm CST will be made available in your account on Wednesday.
All deposits are subject to review and funds from your deposit may not be available for immediate withdrawal. Mobile Deposits are subject to the Funds Availability disclosure provided during account opening. Click here to view a copy of the Funds Availability Policy (PDF).
What should I do with the check after it has been deposited?
After you receive confirmation that your check has been accepted for processing, mark on the check "Electronically Presented", "Void", or otherwise render it incapable of further transmission, deposit, or presentment. Retain the check for at least 14 days. You need to maintain control over and be responsible for the check. Please store in a secure place. On rare occasions, we may ask you to provide the check to us.
Please destroy the check no later than 14 days after date of deposit.
How can I review or download the Blue Ridge Bank and Trust Co. Mobile Deposit User Agreement?
During the enrollment process, you will need to read and accept the Mobile Deposit User Agreement. Click here to download the Mobile Deposit User Agreement (PDF). Also, you may view a copy of the Mobile Deposit User Agreement and the FAQs under "More..." on the Blue Ridge Bank and Trust Co. app.
Mobile Deposit service is subject to eligibility. Deposit limits and other restrictions apply. Access to Blue Ridge Bank and Trust Co. Mobile Banking apps and Mobile Deposit require a valid Online Banking ID and password. Regular account charges apply.