What happens if I receive an exception or error message?

There are certain conditions in the process of making a mobile deposit that may result in an error message. You may be given the option to resolve the error (see below for Guidelines for Resolving Exception or Error Messages).

What are the daily cut-off times for deposits made through mobile deposit?

If you transmit your mobile deposit before 4:30 pm CST on any Business Day, we shall review and process your mobile deposit on that Business Day. If your deposit is in compliance with the mobile deposit terms and conditions and displays โ€œacceptedโ€, it will be credited to your account the same business day. If you transmit your mobile deposit after 4:30 pm CST on any Business Day, we shall review and process your mobile deposit on the next Business Day. If your deposit is in compliance with the mobile deposit terms and conditions and displays โ€œacceptedโ€, it will be credited to your account the next business day.

What types of checks can I deposit?

Mobile Deposit allows you to deposit most checks drawn on U. S. financial institutions. Checks must always be made payable to an account owner, endorsed properly and may not be made payable to a business. Certain items are not supported through Mobile Deposit and must be deposited at a bank location (see below for a list of checks that can not be deposited through Mobile Deposit).

  • International Checks
  • Savings bonds
  • Money orders
  • Third Party Checks

How does mobile deposit work?

Deposits can be made quickly and securely. Follow these simple steps:

  • Endorse the back of your check, and include the words โ€œCornerstone Mobile Deposit.โ€
  • Login to mobile banking.
  • Select the deposit tab and new deposit.
  • Select the account to deposit funds and enter the deposit amount of the check.
  • Take a photo of the front and back of the check. Take the photo against a background that gives a strong contrast, remove any objects that show up in the picture, ensure the entire check is visible, in focus and well lit (see below for additional guidelines for taking photos).
  • Confirm the deposit amount.
  • Result screen will indicate either Deposit Pending or Deposit Failed. If the deposit failed, you will receive an error message with the reason the deposit failed. Depending on the reason the deposit failed, you may be given an option to retake the image (see below for Guidelines for Resolving Error Message or Exception Message).
  • View Deposit History to check the status of your deposit. Statuses include pending, failed and accepted.
  • Retain the original Paper Item in a secure location for fourteen (14) calendar days after the deposit is credited to your account. After you have verified this, you are required to shred the check.

Who can use the mobile deposit service?

You can use the Mobile Deposit service if:

  • You are enrolled in Cornerstone Bank Personal Online Banking.
  • You have downloaded the Cornerstone Bank App and enrolled in Mobile Banking.
  • You have a supported iPhone or Android device.
  • You are an owner on an active personal checking or savings account.
  • You read and accept the Mobile Deposit Terms and Conditions.

Is mobile deposit secure?

Yes. Using Mobile Deposit via our mobile banking app offers the same security features and protection as our online banking service, including security login, as well as a timeout feature when your mobile device is not in use. We use advanced encryption and security technology:

  • When you log in with your smartphone, we confirm your credentials and device.
  • Online banking credentials are not stored on your mobile device.
  • Check images are not stored on your mobile device.
  • We require frequent password changes.
  • You can view accounts by nicknames you define, not by account numbers.
  • 128-bit encryption masks your sensitive information.

In addition, please follow these best practices to secure your mobile device:

  • Keep passwords, usernames and authentication information confidential and do not share them with others.
  • Always remember to log off properly when you have completed your mobile banking session.
  • Do not leave your mobile phone unattended.
  • In the event that your mobile device is lost or stolen, your mobile banking service can be disabled by calling 888-297-2100.
  • Lost or stolen phones should be reported to the carrier promptly.
  • Password-protect your device.
  • Always lock your device when itโ€™s not in use.
  • Set your device to automatically lock after being idle for a set amount of time.
  • Set your device to use a longer and stronger password than the default 4-digit unlock code if this option is available on your phone.
  • Never send personal information (account numbers, passwords, social security number, etc.) using text messaging. If a message is intercepted or your phone is stolen, it could be used in ID theft.
  • To ensure the safety of your personal and account information, only download mobile apps from reputable sources (i.e. Google Play or Apple App Store).

How do I enroll in mobile banking?

After you login to online banking,

  • Click on Options and scroll down to Mobile Banking Profile.
  • Click on Manage Devices.
    • If you are not enrolled, this will state Enrollment Status: Not Enrolled and you have the option to Enroll Now.
  • When you choose Enroll Now, you will be taken to the Terms and Conditions to accept.
  • You will then be directed to the Mobile Banking Main Menu to walk through the set up of your Mobile Banking using text, app, or mobile browser.