Mobile Remote Deposit Capture

Remote Deposit is a convenient, secure and free service offered by Bluestone Bank for depositing checks electronically. From any location, using the Bluestone Mobile App and the camera of your smart phone, you can make digital images of your checks and deposit them to your checking or savings account by transmitting them to the bank electronically.

Mobile remote deposit allows you to deposit your checks without having to visit a branch. Using the ‘Check Deposit’ service within the Bluestone Mobile App, you will take pictures of the front and back of your check and transmit them to the bank. Once transmitted and approved by the bank, the funds will be deposited to your account.

Mobile remote deposit capture is available for Apple iPhones/iPads and Android smartphones through our Bluestone Mobile app. You must have a checking, statement savings or statement money market account that has been open for 30 days or more. Your account must be in good standing in order to make deposits through the mobile remote deposit service.

Enrolling in Mobile RDC is easy. You will automatically receive the mobile RDC service with our Mobile Banking app. Simply download the Bluestone Mobile App from Google Play or Apple App Store. Once you have successfully logged into Mobile Banking, look for the ‘Check Deposit’ tab from the main menu.

Customers who have a Personal or Business Checking, Statement Savings, or Statement Money Market account are eligible for the Mobile RDC service.

Most domestic checks can be processed through Mobile RDC. We are unable to accept some Money Orders (must meet image quality standards), Foreign Items, Savings Bonds, or Third Party Checks through Mobile RDC.

Yes. You may not use the service to deposit items totaling more than $2,500 and no more than three check deposits per day. No single check may exceed $2,500. In addition, the bank has a multi-day limit of $5,000 and no more than five check deposits in any five-day period. Any items presented in excess of these limits will be declined at our discretion.

Yes. During the deposit process, you will be required to photograph the front and back of your check.

You should sign your check with the following endorsement:

• For Mobile Deposit Only
• Bluestone Bank
• Your Account Number
• Your Signature

When your deposit is processed, you will receive a second e-mail notification of the status of your deposit. This e-mail will indicate if the deposit was approved or declined for processing. If declined, a reason will be provided.  

Deposits can be made with Mobile RDC at any time. If your deposit is approved by the bank before our daily cutoff time of 4PM EST (Monday- Friday), your deposit will post to your account during our nightly processing. Deposits made on Saturday, Sunday or a Federal holiday will be processed on the next business banking day.

Funds from your check deposits will generally be available on the first business day after the day of your deposit. Deposits made by 4PM EST (Monday through Friday) will be processed that day during nightly processing. Deposits made after 4PM EST (Monday through Friday) will be processed on the next business banking day during nightly processing. Deposits made on Saturday, Sunday or a Federal holiday will be processed on the next business banking day during regular nightly processing. We may not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Please refer to our Funds Availability Policy Disclosure Statement for further information.

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

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 bring the check to one of our branches or mail it to us for processing.

No, keep the check for 30 days to ensure it posts to your statement. After 30 days, you may securely destroy the check cross-cut shredding or another commercially acceptable means of destruction. Do not VOID the check after submission in the event the deposit is not approved and the check needs to be re-submitted or physically re-deposited at the bank.

Your check deposit history will be retained in Mobile RDC for thirty days. You will be able to retrieve images of the front and back of your deposited checks during this time.

No, at this time the Mobile RDC functionality cannot be used to initially fund a new account.

Your new account must be open for thirty days or more to be eligible for Mobile RDC. You may enroll in Mobile Banking anytime after opening your account; however you will not see your account in ‘Check Deposit’ until after the first thirty days have passed.

No, you do not need to resubmit your deposit. If you entered the wrong amount for the deposit, our operations center will correct the deposit amount.

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

If a deposit is returned, please do not re-deposit the check through the Mobile RDC service.

For additional assistance, please call us at 800.356.8622.