Mobile Check Deposit

Effortless Check Deposits with RMO Bank's Mobile App

Using the RMO Bank Mobile App is simple and swift.

Convenience

Mobile deposit allows you to submit checks at any time and from any location, eliminating the need to visit a physical bank branch.

Speed and Efficiency

The mobile deposit feature streamlines the deposit process, making funds available in your account more quickly than traditional methods.

Safety and Security

Depositing checks through a mobile app offers enhanced security with encryption and reduces the risk of check loss or theft. Why wait?

How to use Mobile Deposit

You will instantly receive an email notification confirming the receipt of your deposit, followed by another email once we've accepted it for processing.

Step 1: Endorse Your Check

Endorse your check with a signature.

Step 2: Access Deposit Feature

Click on "Deposit a Check" in the MyRMO App or online in MyRMO.

Step 3: Specify Account and Amount

Select the account to deposit into and input the check's amount.

Step 4: Capture Check Images

Capture photos of the check using your phone or tablet's camera.

Step 5: Confirm and Submit

Double-check the details and press submit.

Frequently Asked Questions (FAQs)

How do I deposit a check using the mobile app?

To deposit a check, open the app, select the deposit option, enter the amount, and take clear photos of the front and back of the signed check. Follow the on-screen instructions to complete your deposit.

Are there any fees for using mobile check deposit?

Typically, there is no charge for using the mobile check deposit feature. However, it's best to consult your account terms or contact customer service for specific details related to your account.

How quickly will my funds be available after making a deposit?

Funds availability may vary. Some deposits are available the next business day, while others might take longer. Refer to the confirmation message after your deposit for specific details.

Is there a limit on how much I can deposit?

Yes, deposit limits may apply and can vary by account. Please check your app’s deposit limits section or contact customer support for your specific limits.

What should I do with the check after depositing it via the app?

After confirming the deposit, write "Deposited" and the date on the front of the check. It's advisable to hold onto the check for at least two weeks in case of any issues before securely disposing of it.

My check was declined for mobile deposit. What should I do?

If your check is declined, review the message for the particular reason. Common issues include blurry images, incorrect amount entered, or a problem with the check itself. Attempt the deposit again if possible, or contact customer service for further assistance. If the issue persists, you may need to deposit the check at a bank branch or ATM.

What types of checks can I deposit using the app?

You can typically deposit personal, business, and government checks. However, foreign checks, third-party checks, and money orders may not be eligible. Check the app's guidelines or contact support for a complete list of acceptable checks.

Is mobile check deposit secure?

Yes, mobile check deposit is secure. Banks use encryption and other security measures to protect your information. Ensure your device has a strong password and avoid using public Wi-Fi while conducting financial transactions for added security.