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Gentleman using phone to make a mobile deposit

Mobile Check Deposit

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Easy. Free. Convenient.

Our mobile app allows you deposit paper checks into your Reliance State Bank checking or savings account using camera on your mobile device.

Download the App

Don't have the app yet? No problem. Click the icons below or search "Reliance State Bank" on the App Store or Google Play. Once downloaded, sign in using your online banking credentials, or select "sign up" in the lower right-hand corner.

iPhone App Store Logo   Google Play App Logo

There is no fee for the Mobile App from Reliance State Bank, but standard rates and fees may apply from your wireless carrier. App Store is a service mark of Apple Inc. Android is a trademark of Google Inc.

Here's How it Works

Easy Steps

  1. Login to the Reliance State Bank App.
  2. Select "Check Deposit" from the menu.
  3. Select the account you would like to deposit into.
  4. Enter the check amount.
  5. Endorse the back of the check with your signature and print exactly: "For mobile deposit only at Reliance State Bank"
  6. Snap a photo of the front and back of the check.
  7. Verify the information is correct and submit.

You will receive an email notification confirming that we have received your deposit. While you may want to use the money right away, you'll need to wait for the check to post to your bank account first before accessing the funds. Mobile deposits made by 4 p.m. are typically available the next business day. 

You must keep the check for 60 days after making your deposit. Promptly after the 60 days, you must destroy the original check by first marking it "VOID" and then destroying it by cross-cut shredding or another commercially acceptable means of destruction.

Click here to read our Mobile Deposit End User License Agreement.

Need Help?

We're happy to assist you, just give us a call:

  • Toll Free: 800-535-2169
  • Story City: 515-733-4396
  • Garner: 641-923-2801

    • Why was my check rejected?

    • Email confirmations are sent whenever a check is accepted or rejected. The rejection email will have the reason in red letters. Instructions will explain what can be done in more detail.

      Most of the time, a check is rejected for one of two reasons: either a bad endorsement or a bad image. Endorsements should be made on the back of the check with your signature and with the exact phrase, "For Mobile deposit only at Reliance State Bank." This prevents a check from being presented at more than one institution.

      The check may also be rejected if even a little bit of the check is not within the image's frame. It's best to always make sure the check is on a dark background and is framed well within the camera's border.

      Check Deposit Examples

    • When will my funds be available?

    • Check deposits made using Mobile Deposit are subject to verification and will generally be available for withdrawal within one business day.

      You will receive the "Pending Review" message once a deposit is successfully submitted, but please note this does not mean your deposit has been accepted. 

      The check must be reviewed before it is accepted. Once a deposit is accepted or rejected, you will receive an email confirmation of this decision.

      Deposits received on weekends, federal holidays, and those received Monday-Friday after 4:00 p.m. central time are processed on the following business day.

      All new accounts are subject to immediate deposit holds within the first 30 days of opening.

    • What is my deposit limit?

    • Your deposit limit is shown in the "amount" field when making a deposit. The default limit for all users is $3,000. Limit changes are subject to review and approval. Please contact us if you'd like to raise your limit.

    • Can I view images of checks I've deposited?

    • Yes! After tapping "Check Deposit," you can navigate to the history tab and view your recent deposits. You can see which were accepted and rejected as well.

    • What accounts can I deposit into?

    • Both checking and savings accounts are supported.

    • Who is eligible to use mobile deposit?

    • Mobile Deposit is available to online banking users who have a checking account and are in good standing with Reliance State Bank. Reliance State Bank has the right to not approve, suspend or terminate the use of Mobile Deposit at any time and without prior notice.

    • What do I do with the paper check after the deposit is submitted?

    • After you receive confirmation that we have received an image, you must securely store the original check for 60 calendar days after transmission to us and make the original check accessible to us at our request. From time to time, we may request the original paper check to review, facilitate the clearing and collection process, to address third party claims, or for our own auditing purposes. At our request, you will need deliver, at your expense, the original paper copy within 10 calendar days. If not provided in a timely manner, such amount will be reversed from your account. Promptly after the 60 calendar days, you must destroy the original check by first marking it "VOID" and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of an original check, the image will be the sole evidence of the original check.

    • What type of device do I need to use Mobile Deposit?

    • Mobile Deposit is supported on mobile devices that meet the following criteria:

      • Android or iPhone device
      • A 2MP or higher camera
      • Apple iOS 4.0 or later
      • Android 1.5 or later

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