Mobile Remote Deposit Capture What is Mobile Remote Deposit Capture (RDC)? + Remote Deposit is a convenient, secure, and free service offered by Bluestone Bank for depositing checks electronically. From any location, using the Bluestone Bank Mobile App and the camera of your smartphone, you can take photos of your checks and deposit them to your checking or savings account by transmitting them to the bank electronically. How does Mobile RDC work? + Mobile Remote Deposit Capture allows you to deposit your checks without having to visit a branch. You must have the Bluestone Bank Mobile App to use this service. Select ‘Deposit Check’, choose the Deposit Account you’d like to deposit your funds in, add the amount listed on the check, and take photos of the front and back of the check. Once done, select ‘Submit Desposit’ and you’re all set. How do I sign up for Mobile RDC? + Enrolling in Mobile RDC is easy. You will automatically receive the mobile RDC service with our Mobile Banking App. Simply download the Bluestone Mobile App from the Apple App Store or Google Play Store. Once you have successfully logged into Mobile Banking, look for the ‘Deposit Check’ option on the main menu. Who is eligible for Mobile RDC? + Customers who have a Personal or Business Checking, Statement Savings, or Statement Money Market account are eligible for the Mobile RDC service. What types of checks can I deposit with Mobile RDC? + Most domestic checks can be processed through Mobile RDC. We are unable to accept some Money Orders (must meet image quality standards), Foreign Items, Savings Bonds, or Third Party Checks through Mobile RDC. Are there any limits on the dollar amount of deposits I can submit? + Yes. You may not use the service to deposit items totaling more than $2,500 and no more than three check deposits per day. No single check may exceed $2,500. In addition, the bank has a multi-day limit of $5,000, and no more than five checks may be deposited in any five-day period. Any items presented in excess of these limits will be declined at our discretion. Do I photograph both the front and back of my check? + Yes. During the deposit process, you will be required to photograph the front and back of your check. How do I endorse my check for Mobile RDC? + You should sign your check with the following endorsement: For Mobile Deposit Only Bluestone Bank Your Account Number Your Signature How will I know when my deposit is processed? + When your deposit is processed, you will receive a second e-mail notification of the status of your deposit. This e-mail will indicate if the deposit was approved or declined for processing. If declined, a reason will be provided. When will my deposit post to my account? + Deposits can be made with Mobile RDC at any time. If your deposit is approved by the bank before our daily cutoff time of 4PM EST (Monday- Friday), your deposit will post to your account during our nightly processing. Deposits made on Saturday, Sunday or a Federal holiday will be processed on the next business banking day. When will a deposit made through Mobile RDC show in my balance? + Funds from your check deposits will generally be available on the first business day after the day of your deposit. Deposits made by 4PM EST (Monday through Friday) will be processed that day during nightly processing. Deposits made after 4PM EST (Monday through Friday) will be processed on the next business banking day during nightly processing. Deposits made on Saturday, Sunday or a Federal holiday will be processed on the next business banking day during regular nightly processing. We may not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Please refer to our Funds Availability Policy Disclosure Statement for further information. Do I destroy my check after I photographed the deposit? + No, keep the check for 30 days to ensure it posts to your statement. After 30 days, you may securely destroy the check by cross-cut shredding or another commercially acceptable means of destruction. Do not VOID the check after submission in the event the deposit is not approved and the check needs to be re-submitted or physically re-deposited at the bank. How long are my deposited check images available through Mobile RDC? + Your check deposit history will be retained in Mobile RDC for thirty days. You will be able to retrieve images of the front and back of your deposited checks during this time. 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. If you entered the wrong amount for the deposit, our operations center will correct the deposit amount. What if I submit the same deposit twice in error? + If the same deposit is submitted twice, it will be identified and stopped by our processing. Should this occur, you will receive a declined deposit notification for the second deposit received through the Mobile RDC service. A check I submitted was returned, can I resubmit it? + If a deposit is returned, please do not re-deposit the check through the Mobile RDC service. If I need additional information on Mobile RDC, who can I call? + For additional assistance, please call our Customer Care Center at 800.356.8622.
