Mobile Check Deposit

Tired of making trips to the bank just to deposit a few checks. Now you don't have to with Mobile Check Deposit. Whether you want to deposit an occasional check or a several checks each day, Mobile Check Deposit makes mobile banking more convenient than ever.

With Mobile Check Deposit, depositing checks is as easy as using your smartphone. Just take a picture of the front and back of your check and your check is automatically deposited. No more lost checks, no more trips to the bank, and no more hassles. Mobile Check Deposit gives you the ultimate in convenience, allowing you to make deposits anytime and anywhere you want.


To get started, you'll need:

  • One of the following mobile devices:
    • iPhone 3G, 3GS, 4G, 4GS, 5, 5S, or 5C
    • iPad, iPad mini, iPad Air
    • Android with OS 2.2 or higher
  • A 3Rivers checking or savings account
  • Enroll in Mobile Check Deposit online

I forgot my username.
If you don’t remember your username, click here.

I forgot my password.
On the enrollment page, use the reset password option.

When will I see the deposit in my account?
The deposit will post immediately to your account.

When are the funds available for me to use?
The first $500.00 will be immediately available for use. For any funds over $500.00, a hold will be placed for 2 business days. Please contact us if you need to know when a specific deposit will be available for withdrawal.

Should I retain the check after the deposit has been made?
Yes. We ask that you retain the check in a secure location for 30 days. In the event that the image of your check cannot be processed, we may ask for the original item. After 30 days, the original check should be shredded.

How long are check images available to be viewed on my phone?
Images will be available for 5 days from the date of deposit through the phone app.

Are there any fees for using this service?
No, this is a free service.

Are there restrictions on the number or types of accounts that I can make deposits?
You can make deposits into any 3Rivers checking, savings, and money market accounts. Up to 4 accounts can be added to your username.

How will I know when my deposit is complete?
You will receive a confirmation message immediately on your phone when a deposit has been successfully transmitted.

How secure is making a deposit with my phone?
We have built a number of security features into the app including 128-bit encryption to transmit the image and data, deposit confirmation messages once we receive your deposit, and allowing you to view images of checks deposited for up to 3 days after deposit through the app (no check images are stored on your phone).

Can I deposit multiple checks in one deposit?
No, each check will be a separate deposit. Select deposit on your phone, enter the amount of the first item, and take an image of the front and the back of the check. After you receive your deposit confirmation, select deposit to repeat the process.

Should I endorse my check?
Yes, please endorse your check by writing “for deposit only” and your account number under the endorsement.

What type of phone do I need?
The service is currently available for iPhone (3G, 3GS, 4G, 4GS, 5, 5S, or 5C), and Android (OS 2.2 or higher).