Mobile Banking FAQ

Mobile Deposit Capture is a convenient way to deposit checks into your checking or savings deposit account quickly and easily from a mobile device including smartphones (iPhone and Android) and tablets.

• Sign into our online banking site with our Cornerstone Bank mobile app.  (You can download it on Google Play or iTunes App store).
• Ensure that you are using the Mobile Site view and not the Full Site view.
• Select Deposit a Check.

• Choose the account that you want to deposit into each time you make a deposit.
• Be sure to endorse your check “For Mobile Deposit Only”.

The system requires that you select the account you want to deposit into each time.

We recommend 14 days.

See the Online Banking Agreement for the full list. Types of checks that cannot be deposited include:

• Any third party check (any item that is made payable to another party and then endorsed to you by such party).
• Any check previously converted to a “substitute check”, as defined in Regulation CC.
• Any item issued to you through a financial institution in a foreign country.
• Checks or items not payable in United States currency.
• 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.

A Tran ID is a confirmation that your deposit was accepted and will be subject to further review. See #9 for an explanation of a qualified deposit.

Ensure your endorsement is done in blue or black ink and clearly visible.

• Qualified deposits made on a business day before 4pm EST will be visible by 9pm EST that night or shortly thereafter.
• Qualified deposits made after 4pm EST on a business day or weekend/holiday will be visible the following business day by 9pm EST or shortly thereafter.
• For example, a qualified mobile deposit made on Friday at 5pm EST will post to your account after 9pm EST on the following Monday. If Monday is a bank holiday then it would be Tuesday after 9pm EST.

A deposit that has been reviewed and accepted by the bank

• Examples of non-qualified deposits are checks listed above in item #5, checks not properly endorsed, post or stale dated checks.
• We will contact you if a deposit is unqualified

• The bank may place a Case-by-Case or exception hold. If the funds are held, we will provide a notice.
• New Accounts will have holds placed in accordance with our Funds Availability Policy.

Personal

• $2,500 a day total of all checks deposited.
• $6,500 a month of all checks deposited.

Business

• $10,000 a day total of all checks deposited.
• $20,000 a month of all checks deposited.

• We may from time to time reconsider the limit; however, at this time we feel it is sufficient for most consumers. Contact 1-800-939-9103 for assistance.
• Business customers may contact our Commercial Services team at cashmanagement@cornerstonebank.com.

You can see a history of your mobile deposited items by going to Banking Service Center >
Mobility > Mobile Check Deposit History.

If you attempted a check deposit and it was rejected, there is a security setting to prevent duplicate submissions. You can make the deposit at any branch or by mail.

If the check(s) previously deposited through your mobile services, share the same Account # and Check #, it cannot be processed as a mobile deposit a second time

Completely shut down and restart your mobile device and reattempt.

• Check image cannot be captured with a white background or paper.
• The image background must be a different color than the check.
• Turn off flash.
• Older phones may no longer be compatible.

• If the screen does not appear to fit the screen on your device and the print is small, then you are most likely in full site view.
• Scroll to the bottom of the screen and you should have the option to “View Mobile Site”, select mobile view.
• If you switch to mobile view in our mobile app, you must first log out before switching back to full site view.
• You may also access our full site by opening your smartphone browser and entering www.cornerstonebank.com.