Thank you for visiting American River Bank. Please note this site is not fully compatible with screen readers.  We are available from 9am-5pm to assist via telephone at (800) 544-0545 or via email at clientservices@americanriverbank.com. We look forward to serving you.

Mobile Banking FAQs - Business Accounts

  1. What is Mobile Banking?
  2. What can I do with Mobile Banking?
  3. What are the requirements for Mobile Banking?
  4. How does a Supervisor user grant Mobile Banking rights to a user?
  5. How do I sign up for Mobile Banking?
  6. How do I download the free ARB Banking app?
  7. How do I access Mobile Banking on the web from my smart phone or other device?
  8. If I transfer money between accounts with Mobile Banking, when will the transfer happen?
  9. If I pay a bill with Mobile Banking, when will the payee receive it?
  10. Can I add, edit or cancel a bill payment with Mobile Banking?
  11. How do I authorize a drafted transaction using the app?
  12. How do I use SMS Text Mobile Banking?
  13. How do I change my Mobile Banking information, such as my mobile phone number, user name or PIN?
  14. What is Mobile Deposit?
  15. What are the requirements for Mobile Deposit?
  16. How do I sign up for Mobile Deposit?
  17. How do I deposit a check through the app?
  18. How do I view checks I deposit through the app?
  19. What is the cut-off time for Mobile Deposit?
  20. Are there limits to how much I can deposit through the app?
  21. How many checks am I allowed to deposit?
  22. When will the funds from a Mobile Deposit be available?
  23. I am a Supervisor User in Business Online Banking. How do I grant rights to use Mobile Deposit?
  24. Can I deposit checks into my savings account?
  25. What if Mobile Deposit isn’t able to capture a good image of my check?
  26. What if Mobile Deposit is unavailable and I need to make a deposit?
  27. What if I enter the check amount incorrectly when I deposit a check?
  28. What should I do with my check after I deposit it?
  29. Will the system know if I already deposited a check and try to deposit it again in error?
  30. Are there any types of checks that cannot be deposited through the Mobile App?


1. What is Mobile Banking?
Mobile Banking is exactly as it sounds: it’s banking on the go! With Mobile Banking, you can access your account information from virtually anywhere, using your mobile device. You can access your account information in three convenient ways: using our free app, your mobile device’s web browser or SMS text messaging.*

2. What can I do with Mobile Banking?
With Mobile Banking, you can view your account balances, view recent transactions, transfer money between accounts, pay bills and authorize transactions drafted by other users. You can also get information on branch and ATM locations, including hours and driving directions.


3. What are the requirements for Mobile Banking?
In order to use Mobile Banking, you must be enrolled in American River Bank’s Online Banking, have Mobile Banking rights, and have a smart phone with SMS text and web browsing capabilities. Supervisor users must grant Mobile Banking rights to Standard users, and may grant rights to themselves and other Supervisor users.


4. How does a Supervisor user grant Mobile Banking rights to a user?
The Supervisor user will login to Online Banking at AmericanRiverBank.com, and then:
  1. Click Business Apps and then Administration.
  2. Click the name of the user to view the user’s details.
  3. Scroll down to the Base Features section and check the box next to Mobile Banking.
  4. Scroll down the bottom of the screen, click Save and then click Confirm.

5. How do I sign up for Mobile Banking?
It’s easy! From any computer with Internet access, just log in to the full Online Banking site at AmericanRiverBank.com. From there:
  1. Click Other Services at the top, and then Mobile Banking on the left.
  2. Choose a Username and enter it on-screen. Your mobile username can be the same as your Online Banking username or it can be different – the choice is yours.
  3. Enter your Mobile Number, with area code, as a 10-digit number with no dashes, spaces or other punctuation.
  4. Choose an alphanumeric 4 to 12-character PIN and enter it on-screen (letters and/or numbers, no special characters). This PIN is managed separately from your ATM or debit card PIN, your Access 24 telephone banking PIN, and your Online Banking password – they are not related, so if one gets locked or changed, it does not affect the others.
  5. Confirm PIN one more time, by entering it again.
  6. Click Enroll.
  7. You will receive two text messages to your mobile phone from 469-228.
  8. The first text message asks you to confirm your enrollment in SMS Text Mobile Banking: “American River Bank: Please text Yes to complete mobile banking enrollment 1 msg per query. Text STOP to opt out HELP for help Msg&Data rates may apply”
  9. Reply to the text with “yes”.**
  10. You will get a response confirming your enrollment for SMS Text Mobile Banking: “American River Bank: You are enabled for SMS mobile banking Send SMS requests to 469228. Text STOP to opt out HELP for help Msg&Data rates may apply”
  11. The second text message confirms that you are enabled for mobile browser banking: “American River Bank: You are enabled for mobile browser banking URL: https://pre.4myact.mobi/60013 Text STOP to opt out HELP for help Msg&Data rates may apply”
  12. Back on your computer, you can click Logout to exit Online Banking.

6. How do I download the free ARB Banking app?
Our free app is available in the Apple App Store for iPhone, iPad and iPod Touch. It is also available in the Google App Store for any Android device. Just use your device’s app store to search for American River Bank, then follow the on-screen instructions to download and install.
 American River Bank Apple App Store        American River Bank App in Google Play

7. How do I access Mobile Banking on the web from my smart phone or other device?
You can access Mobile Banking on the web using your device’s browser by tapping the URL in the enrollment text message to go to https://4myact.mobi/60013 , or by browsing to AmericanRiverBank.com and selecting Online Banking Login.
8. If I transfer money between accounts with Mobile Banking, when will the transfer happen?
Internal transfers between accounts at American River Bank happen almost immediately. Internal transfers done after 7:00 PM Pacific will be processed on the next business day. Please note, however, that ATM and debit card balances are not be immediately updated during our maintenance window, 7:00 PM to midnight, Monday through Friday.

External transfers to accounts are other financial institutions may take up to three business days to complete. External transfers done after 4:00 PM Pacific will be processed on the next business day.
9. If I pay a bill with Mobile Banking, when will the payee receive it?
The payee will receive it within the same timeframes as with the full version of Bill Pay, which is 2-3 business days for electronic payments and 5-7 business days for paper drafts. Please allow sufficient time for payments to be sent and processed by the payee. Expedited payments are available for a fee through the full Online Banking site. Refer to our Online Banking Bill Pay FAQs for more information.
10. Can I add, edit or cancel a bill payment with Mobile Banking?
No, at this time the only functionality with Bill Pay in Mobile Banking is to send a payment to a current payee. To add, edit or cancel bill payments or payees, you must log in to the full Online Banking site.

11. How do I authorize a drafted transaction using the app?
It’s easy! Just log in to the ARB Banking app, tap the menu, and then tap Approvals.
12. How do I use SMS Text Mobile Banking?
Once you reply “yes” to the text to confirm your Mobile Banking enrollment, you can send text commands to 469-228. If you send the command only (e.g. BAL), it will return information for all accounts. If you follow the command with the account nickname (e.g. BAL Jane), it will return information for just that account. The following is a list of available functions and commands:
 
  • Balance Inquiry: B, BAL, or BALANCE
  • Account Details: DETAILS
  • Transactions: TRANSACTIONS, STATEMENT, HISTORY, RECENT or TRAN
  • Inter-Account Transfer: TRANSFER, XFER, or X
  • Help: HELP, HELP ALL, or HELP BAL (or other command, e.g. HELP TRAN, HELP XFER)
  • Stop: END, STOP, QUIT, CANCEL, or UNSUBSCRIBE (Note that this will disable all Mobile Banking channels.)

13. How do I change my Mobile Banking information, such as my mobile phone number, user name or PIN?
Simple! From any computer with Internet access, just log in to the full Online Banking site at AmericanRiverBank.com. From there, click Other Services at the top, and then Mobile Banking on the left.


14. What is Mobile Deposit?
With Mobile Deposit, you can deposit checks into your checking or money market account(s) using the American River Bank app on a mobile device, such as a smartphone or tablet.
Top

15. What are the requirements for Mobile Deposit?
To use Mobile Deposit, you must be enrolled in American River Bank’s Online Banking and Mobile Banking, and have a camera-equipped mobile device, such as a smartphone or tablet, with the American River Bank app installed.
Top

16. How do I sign up for Mobile Deposit?
No need to sign up – Mobile Deposit is automatically available to you with the American River Bank app!
Top

17. How do I deposit a check through the app?
It’s easy! First, sign the back of the check in the endorsement area and write “Deposit only – Mobile Deposit American River Bank”. Then, on your mobile device, open the American River Bank app and login to Mobile Banking. Once logged in:
  1. Tap the menu to open it, and select Deposit.
  2. Tap Deposit Check.
  3. Select the Deposit To account.
  4. Tap on Amount and enter the amount of the check, and then tap Done.
  5. Tap Check Front and follow the instructions on-screen to take a photo of the front of the check.
  6. Turn the check over, tap Check Back, and follow the instructions on-screen to take a photo of the back of the check.
  7. Tap Make Deposit, and when asked to confirm, tap Submit.
  8. You will receive a message confirming the deposit was sent. Tap OK.
Top

18. How do I view checks I deposit through the app?
From within the app, select Deposit from the menu, and then Deposit History. Mobile Deposit check images are available immediately in the app’s Deposit History. The Deposit History will also display the status of the deposit, such as “Transmitted” or “Rejected”.
Top

19. What is the cut-off time for Mobile Deposit?
The cut-off time for Mobile Deposits is 5:00 PM Pacific each business day.

20. Are there limits to how much I can deposit through the app?
Yes. You may deposit up to $3,000 per business day and up to $5,000 per calendar month.
Top

21. How many checks am I allowed to deposit?
You may deposit up to 3 checks per day, and up to 10 checks per calendar month.
Top

22. When will the funds from a Mobile Deposit be available?
The funds from a Mobile Deposit will be made available on the next business day, provided the deposit is made before the 5:00 PM business day cut-off. If the deposit is made after the 5:00 PM cut-off, it will be considered submitted on the following business day and funds will be made available on the next business day after that. There are occasions when the availability of funds may be delayed for longer periods. Please refer to your Mobile Deposit Agreement for more information.
Top

23.  I am a Supervisor User in Business Online Banking. How do I grant rights to use Mobile Deposit?
To grant Mobile Deposit rights, log in to the full Online Banking site at AmericanRiverBank.com. Once logged in:
  • Click Business Apps, and then Administration.
  • To enable specific accounts for Mobile Deposit, click Accounts on the left menu, and scroll to the Mobile Remote Deposit Capture section. In that section, check the boxes for the accounts into which you want to be able to deposit checks via Mobile Deposit. Then click Submit and Confirm.
  • To enable specific users for Mobile Deposit, click the name of the user, scroll down to the Base Features section, and check the box for Mobile Remote Deposit Capture.
  • Note: the user also has to be enrolled in Mobile Banking, so if they are not already enrolled, you will also need to check Mobile Banking to enable it for them. Refer to our Mobile Banking FAQs for more details.
  • Scroll to the bottom of the page, click Save and then click Confirm.


24. Can I deposit checks into my savings account?
Mobile Deposit is only available with checking and money market accounts. We suggest that you deposit the check into your checking account with Mobile Deposit, and once the deposit has posted, you can use Mobile Banking to transfer the funds from your checking account into your savings account.
Top

25. What if Mobile Deposit isn’t able to capture a good image of my check?
Here are some guidelines for taking good pictures:
  • Good lighting – take pictures in well-lit areas
  • No deep shadow – avoid shadows such as those created by holding the camera between the check and the light source
  • One check at a time – only the check being captured should be visible in the picture
  • No other object in frame – avoid having other objects in the frame, such as papers, pens and books
  • Dark or monochrome background – the background should be of a uniform, preferably dark color that contrasts with the check
  • Entire check visible in frame – make sure the check is not cut off; all four corners need to be visible in the view window
  • Good focus – make sure the image is sharp and focused; try pulling back from the check, as being too close can cause a blur
  • Avoid excessive angles – hold the camera as close to directly above the check as possible without casting shadows over it
  • If Mobile Deposit is still not able to capture a good image, you may bring the check in to any branch location for deposit. You may also make deposits through the night drop at any location, or through our ATMs in Gold River, Jackson and Healdsburg.
Top

26. What if Mobile Deposit is unavailable and I need to make a deposit?
Deposits can be made at any branch location during business hours. After hours, you can make deposits through the night drop at any location, or through our ATMs in Gold River, Jackson and Healdsburg.
Top

27. What if I enter the check amount incorrectly when I deposit a check?
The amount entered is verified against the check image at the time of deposit, and if they appear to be different, the app will reject the deposit and you will have the opportunity to try again. Mobile Deposits are also reviewed by the bank, and if discrepancies are noted, the deposit may be rejected or a correcting adjustment may be made to your account.
Top

28. What should I do with my check after I deposit it?
We recommend that you keep the check in a safe place for at least 14 days, in case there are any issues with the deposit. You should keep deposited checks for no more than 60 days. To dispose of a deposited check, write VOID across the front and then shred or otherwise destroy the check, taking care to ensure that the MICR line is not legible (e.g. blacken it out and tear into small pieces).
Top

29. Will the system know if I already deposited a check and try to deposit it again in error?
Yes. If you attempt to deposit a check a second time through Mobile Deposit, the system will tell you that an error has occurred because the check has been previously deposited, and the deposit will be rejected.
Top

30. Are there any types of checks that cannot be deposited through the Mobile App?
Yes, the following is a list of some common types of checks and other items that are not eligible for Mobile Deposit:
  • Money Orders or Traveler Checks.
  • Third-party checks, payable to another person or entity.
  • Foreign checks, drawn on a financial institution located outside the United States.
  • Checks payable in foreign currency, other than US dollars.
  • Checks dated more than six (6) months prior to the date of deposit.
  • Checks payable jointly, unless deposited into an account in the name of all the payees.
  • Remotely created checks, which do not bear the signature of the accountholder.
  • Checks payable on sight or payable through draft.
  • Checks with an invalid endorsement on the back.
  • Checks that have previously been deposited.
Refer to the Mobile Banking Disclaimer for a complete list of ineligible items.



* Mobile Banking requires a smart phone with SMS text and web browsing capabilities. Message and data rates may apply.

** Please note that American River Bank will not send unsolicited text messages. Enrolling in SMS text banking simply allows you to send banking commands to the Mobile Banking system and receive responses to those commands.