What is CheckSnap?
CheckSnap is a feature in RiverBank’s Mobile App that gives you the ability to deposit checks into your RiverBank checking, savings or money market account using your Apple and Android Smartphone or Tablet device.
Where do I get the RiverBank Mobile App?
Visit the Apple or Google Play store to download the latest version of the RiverBank Mobile App.
How do I enroll for CheckSnap?
First login to Online Banking on either a desktop or through the RiverBank Mobile App on your mobile device. Under Transactions select ‘CheckSnap Enrollment’ and follow the instructions. If you are not currently enrolled in Online Banking click here to get started today.
How do I make a deposit?
- Launch the RiverBank Mobile app
- Under Transactions, select ‘CheckSnap Deposit’
- Select deposit account and enter amount
- Endorse the back of the check properly
- Select ‘Capture Image’
- Take a picture of the front & back of the check
- Select ‘Submit Deposit’
- Confirm your deposit was received and approved
- Approved deposits appear in the ‘Approved’ column within the CheckSnap Deposit History
- Write “electronically deposited on xx/xx/xx” on the front of the check
- Safeguard your check for no less than 7 and no more than 14 calendar days, then securely destroy it
What is my daily deposit limit?
$2,500 per Business Day
What time must my deposit be submitted by to ensure same day processing?
4:00pm PT, Monday – Friday excluding holidays
What kinds of checks can I deposit with CheckSnap?
CheckSnap can accept most domestic checks, including personal, business and payroll checks.
We are unable to accept counter checks, checks in excess of the daily limit, third-party checks, money orders, travelers checks, US Treasury checks, Savings Bonds, foreign check, checks in a foreign currency, or substitute checks (Image Replacement Documents), through CheckSnap. These items can be deposited in our branch, by mail, or through the Mobile Branch.
How do I know my deposit was received?
Successfully submitted deposits will show under CheckSnap Deposit History in the ‘Submitted’ column with a description of “Your deposit has been submitted and is pending review”.
How do I know if my deposit was approved?
Approved deposits will show under CheckSnap Deposit History in the ‘Approved’ column with a description “Your deposit has been approved and is being processed”.
If an item is rejected, the transaction will remain in the ‘Submitted’ column with a status of “Rejected” and a description of the rejection reason.
What do I do with the original check?
After confirming your CheckSnap deposit has been successfully submitted and approved by the Bank:
- Write “electronically deposited on xx/xx/xx” on the front of the check.
- Safeguard the check in a secure, locked location for no less than 7 and no more than 14 calendar days from the date of deposit. The Bank may request the original item during this timeframe.
- After the retention period and once you have verified the funds have been credited to your account, securely destroy the check.
Why would a deposit be rejected?
There could be a number of reasons why a deposit is rejected, including:
- Deposit exceeds your current CheckSnap daily deposit limit
- Check type is ineligible for deposit through CheckSnap
- Check was previously deposited (duplicate item)
- Missing endorsement
- Poor image quality
Depending on the reason for the rejection, CheckSnap may notify you of the error with a pop up message prior to submission. If a deposit is rejected after submission for any reason, the transaction will remain in the ‘Submitted’ column in your CheckSnap Deposit history with a status of “Rejected” and a description of the rejection reason.
When will my CheckSnap deposit be available?
Generally, CheckSnap deposits received before 4:00pm PT on a business day will be available by the next business day. Deposits received after 4:00pm PT or on weekends or holidays, will be processed the next business day.
In some cases, we may delay availability of funds deposited using CheckSnap. When funds become available, you will see the deposit reflected in your available balance. See the full CheckSnap Terms & Conditions for additional details on funds availability.
What if I accidentally submit the same deposit twice?
If CheckSnap detects a potential duplicate item, it will typically identify it and decline the second deposit with an error message. If you receive this error, and you think that it is not a duplicate deposit, you will have to deposit the check in our branch, by mail, or through the Mobile Branch. Although CheckSnap may be able to detect duplicate deposits, you are responsible for any duplicate deposits you create. Please see the CheckSnap Terms & Conditions for full details.
To help prevent accidental resubmission of a check deposited through CheckSnap, be sure to write “electronically deposited xx/xx/xx” on the front of any check successfully accepted by CheckSnap.
The check I deposited was returned or rejected. Can I re-deposit it through CheckSnap?
No. Previously deposited checks, whether they were returned or rejected, may not be redeposited through CheckSnap. Returned or rejected items may be deposited in our branch, by mail, or through the Mobile Branch.
Who can use CheckSnap?
CheckSnap is available for any RiverBank customer who:
- Is enrolled in RiverBank Online Banking
- Has access within Online Banking to make deposits to a RiverBank checking, savings or money market account
- Has an Apple or Android Smartphone or Tablet
What if I have a check that is more than my daily deposit limit?
Items over the daily limit can be deposited in our branch, by mail, or through the Mobile Branch.
Can I deposit more than one check at a time?
No, you may only deposit one check at a time. However, you may make more than one deposit within the same Online Banking session.
Which Mobile Devices are best to use with CheckSnap?
RiverBank’s Mobile App is optimized for use with:
- Apple iPhone or iPad with iOS versions 7+
- Android smartphone or tablet with OS versions 4.0+
Some older versions of Apple and Android’s OSs may also be compatible, but for best use we recommend the OSs listed above.
What type of connection does my device need in order to access CheckSnap?
Your smartphone or tablet must have an appropriate data plan and/or be connected to a Wi-Fi network with the ability to transmit data over the Internet. Any data or message fees charged by your wireless carrier are your responsibility.
Can I deposit a check with other types of Smartphones?
No, the RiverBank Mobile App is only available for Apple and Android devices.
Can I deposit a check through my device's mobile browser?
No, accessing RiverBank’s website through your device’s mobile browser doesn’t connect to the device’s camera. To make a deposit using your mobile device, you must use CheckSnap within the RiverBank Mobile App.
I selected the wrong account for deposit. What should I do?
Once a deposit is made, we cannot change the account it is being deposited to. Once funds are available, you may use the funds transfer option within Online Banking to move them, or contact us at 509-744-6900 to complete the transfer.
Can I send RiverBank a check image via email or fax to complete my deposit?
No, RiverBank cannot accept images of checks deposited submitted by email or fax.
Still Have Questions?
We’re here to help. Call, email or stop by to visit.