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Mobile Deposit

Banking at the speed of life.

Deposit a check using our Resource Bank Mobile app, no trip to the bank necessary!

With Mobile Deposit, you can use the "Deposit Check" feature on your Resource Bank app to take a picture with the camera on your smartphone or tablet, and deposit it into your savings or checking account.  This added benefit is absolutely FREE for our mobile app users!  

To get started, tap "Deposit Check" in the app, then follow the prompts to enroll, if you are not already enrolled.  Mobile deposit will accept most domestic checks, including personal, business, and payroll checks.  There are daily and weekly limits to the dollar amounts and number of checks you can deposit.  For checks that exceed those limits, visit your local Resource branch to make your deposit.


Who can use this feature?

Anyone with our mobile app, MyResourceBank, who has been a client of Resource Bank for thirty days can request approval for mobile deposit.  Mobile Deposit is for our retail checking accounts and is not intended for business accounts.  For business accounts, please see On-Site Deposit.

Is mobile deposit secure?

Yes, your deposits are protected by several layers of security.  Check images captured during the mobile deposit process are not stored on your mobile device. 

Are there any checks I can't deposit?

The following items cannot be deposited:

Any item previously negotiated or “cashed” at another financial institution or other Resource Bank location or deposit channel causing the same drawer’s account to be debited twice.

Any item not properly endorsed with your signature and required Mobile Deposit endorsement.

Any third-party check, i.e., any item that is made payable to another party and then endorsed to you by said party.

Any item drawn on the same account that you are depositing to.

Any item that contains evidence of alteration to the information on the check, or which you know or suspect are fraudulent or otherwise not authorized by the owner of the account.

Any item that is “non-negotiable” (whether stamped in print or as a watermark)

Any item issued to you by a financial institution in a foreign country or not payable in U.S. currency.

Any item that is “stale dated” more than six (6) months prior to deposit.

Any item that is “postdated” after the date of deposit.

Any item that is incomplete.

Any item that has been re-deposited or returned such as “non-sufficient funds” or “refer to maker” or returned for any other reason.

Savings Bonds.

How should I endorse my check for deposit?

When using mobile deposit, checks should be endorsed with the payee's signature (your name) and the words, "For Resource mobile deposit only."

Could my check be declined?

Yes, due to a number of factors, including:

Check being previously deposited

Missing endorsement

Deposit exceeding the daily or weekly mobile deposit limits

Poor image quality

Check is not eligible for mobile deposit

What should I do with my check after I deposit electronically?

Once the deposit has been approved by the bank, mark on the face of the deposited check, "Electronically deposited on mm/dd/yyyy" or some other marking to give notice the check has been deposited.  Hold on to the check for a minimum of seven days after depositing.

How will I know if my check was deposited?

An on-screen confirmation will appear when the deposit has been successfully transmitted.  Once your deposit has been approved and processed, you will receive another notification.  The transaction will then display in your account activity.

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

No, you do not need to deposit it again; however, it may result in longer review and processing times.


For any additional questions, please call your advisor at (815) 756-6321.


After enrolling in this service, the account is subject to approval by the bank. Clients are required to have their account opened for a minimum of 30 days. Clients can only deposit one check at a time, not multiple items in one deposit.  At this time there is no fee for this product.  There are 2 different limits set up for mobile deposits: one for clients that are new to the bank from 30-90 days and another for clients that have been with us for more than 90 days.  These limits are subject to change.  Resource Bank reserves the right to remove clients at any time if they are using this system for fraudulent checks.  After a client makes a deposit via the app it will not show up immediately in their account and is subject to a waiting period until the funds are verified.  Any deposits made after 7:00 p.m. on Friday night thru 9:59 a.m. Monday morning will be posted to the account after 10:00 a.m. Monday. 

This feature does have deposit guidelines and limits, detailed below, based on the amount of time that the account has been open.  Clients must have had their account open for a minimum of 30 days before they can be approved for Mobile Deposit. 

For approved accounts open between 30 and 90 days, the limits are:

  • Single deposited check limit: $1,000.00
  • Checks deposited per day: 2
  • Daily total deposit limit: $2,500.00
  • Checks deposited per month: 10
  • Monthly total deposit limit: $5,000.00

For approved accounts open for more than 90 days, the limits are:

  • Single deposited check limit: $2,500.00
  • Checks deposited per day: 4
  • Daily total deposit limit: $5,000.00
  • Checks deposited per month: 20
  • Monthly total deposit limit: $15,000.00

The guidelines above are in place for your account safety and security: however, if you have any questions or concerns about these limits, please call your Advisor at (815) 756-6321.