Mobile Deposit FAQs

Make deposits with your mobile device conveniently and securely.

Who is eligible for Mobile Deposit?

Mobile Banking users who have a qualified Two Rivers Bank (TRB) checking or savings account are eligible for Mobile Deposit, excluding Health Saving Accounts (HSAs).

What if an eligible account is not listed in Mobile Deposit?

The user can determine which of your eligible accounts will be enrolled in Mobile Deposit. If you believe you have an eligible account that has not been enabled, please call (402) 426-9500 or Email Us for assistance.

What types of checks can I deposit with Mobile Deposit?

Only checks drawn on US institutions can be processed through Mobile Deposit. See the Terms and Conditions for more information.

Are there any limits on the dollar amount or number of deposits I can submit?

Yes. You may not deposit more than $2,500 per check and not more than $2,500 per day. Any items presented in excess of the limits will be returned at our discretion. There is a daily limit of five (5) deposited items per business day.

Are there fees associated with using Mobile Deposit?

Two Rivers Bank does not charge a fee for using this service. However, charges from your wireless carrier may apply.

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 Deposit?

You should sign your check with the following endorsement:

  • For Mobile Deposit Only to Two River Bank
  • Payee’s Signature (Your Name)

How will I know if TRB received my deposit?

A message is displayed within our Mobile Banking app when your deposit has been successfully submitted. Please note, this does not mean the deposit has been approved.

How will I know when TRB processes my deposit?

The deposit will post to your account as a “Deposit.” Also, on the deposit screen within the app, the status will change from “in process” to “completed.”

Is there a cut-off time to make my deposit?

If you make a deposit with Mobile Deposit before 3:00 pm (CST) on a business day, we will consider that day to be the day of your deposit. However, if you make a deposit with Mobile Deposit after 3:00 pm, on a weekend or federally observed holiday, we will consider that the deposit was made on the next business day and will normally post to your account within two business days.

When will my deposit post to my account?

Deposits made prior to 3:00 pm will most often be posted by the end of the day.

When will a deposit made through Mobile Deposit show in my balance?

On the day the deposit is approved.

Can I photograph more than one check at a time?

You can photograph multiple checks in the same mobile banking session; however, you may only photograph one check per deposit.

What if the check image I photographed is bad?

You have the option to retake photographs of the check before submitting or you may cancel the deposit. If you are unable to photograph a clear image, please deposit your check at one of our bank locations, ATMs or mail your deposit to TRB for processing.

Do I destroy my check after I photograph the deposit?

No. Once the deposit has been approved by TRB, mark on the face of the check, “Electronically deposited on xx/xx/xxxx,” and keep the check for at least 90 business days to ensure it posts to your account. After this time, destroy the check. Do not VOID the check after submittal in the event the deposit is not approved and needs to be resubmitted.

What if I submitted a deposit for the wrong amount? Do I need to resubmit the deposit?

Yes, if you enter the wrong amount, the deposit will fail. You will need to do a new deposit with the correct amount indicated.

What if I submitted the same deposit twice in error?

If the same deposit is submitted twice, it will be identified and stopped by TRB. Should this occur, you will receive a declined deposit notification for the second deposit received through Mobile Deposit.

A check I submitted was returned. Can I resubmit it?

No. If a check is returned, you may not re-deposit the check through Mobile Deposit. Please visit one of our branches to deposit your check.

If I need additional information on Mobile Deposit, who can I call?

Call our main bank at (402) 426-9500 during regular business hours. You can also Email Us. Please do not submit any account numbers or personal information via email.

Do I need a certain type of mobile phone to use Mobile Deposit?

Most Apple and Android smart mobile phones are compatible with our mobile app. Please contact us at (402) 426-9500 during regular business hours if you have any questions on compatibility. You can also Email Us.

What type of internet connectivity do I need?

Mobile devices must have an appropriate data plan that allows the transmission of data over the internet.

What steps have been taken for security?

In addition to your login password, we use multiple security layers, including advanced encryption. For added security, passwords and actual check deposit records or images are not stored on the mobile device. Additional ways to ensure security include:

  • Protect your password
  • Don’t keep your password in a location accessible to others
  • Don’t allow others to perform transactions for you
  • Periodically change your password by logging into Online Banking
  • Notify us if password security has been breached
  • The processing time to upload the check is very slow. What might cause this?
  • The processing from your device to TRB and back is not controlled by TRB. This is dependent upon your device, carrier, memory on the device and current connection that you have. Please try to improve one or more of these elements before uploading another deposit.

I keep receiving a blurry image error message when attempting to submit the deposit. What might cause this?

Taking high-quality photographs of the check is the best way to make Mobile Deposit quick and easy. Here are some tips to keep in mind:

  • Good lighting
  • Dark background
  • Only check visible, no other objects or edges
  • No shadows across the check
  • Check needs to be entirely in the frame
  • Focus is important! Being too close can make the image blurry

Do I need to fill out a deposit ticket, take a photograph of it and submit?

No, the software creates an electronic image for the deposit ticket.

Will the image of the deposit appear on my statement?

Yes, the image of the electronic credit will appear on the statement, listing the date, time, account number and amount of the deposit.

For further assistance, call our main bank at (402) 426-9500 during regular business hours. You can also Email Us. Please do not submit any account numbers or personal information via email.

Features include:
Check your balance
View account activity
Deposit checks
Transfer funds between accounts
Locate bank branches and nearby ATMs with detailed maps and directions
One-touch customer service calling during regular business hours
Set account nicknames and display preferences

To enroll in Mobile Banking, you must be a Two Rivers Bank customer. If you are already signed up as an Online Banking customer, it couldn’t be easier to get started! Simply use your Online Banking user ID and password to log in.

Your mobile carrier’s text messaging and data access charges may apply. Read the Mobile Banking Terms and Conditions for more details.


Two Rivers Bank is committed to your privacy and security. Enjoy peace of mind knowing your personal information is protected by advanced encryption technology to help prevent unauthorized access.