Mobile Banking Frequently Asked Questions

Will my Mobile App username\password be the same as my Online Banking username\password?
No. The two systems are separate and changing the password in the Mobile App will not change the password for Online Banking and vice versa.

How do I contact River City Bank for help with my Mobile App?
At the bottom of the Mobile App login screen select the “Contact Us” icon. Click “Need Assistance?” to display the Customer Service phone number. Mobile phones have the option to initiate a call, or dial us directly at (916) 567-7200.

I forgot my password. How can I get help to retrieve it?
We are unable to see or retrieve passwords but you can reset your password. At the bottom of the Apps login screen select the “Help” icon. Click the “Reset Password” button on the User Maintenance Screen. Enter all verification answers. Click the “VERIFY” button to complete changing your password.

How often must I change my Mobile App password?
We do not require customers to change his or her password. It is highly recommended that customers access the “Help” feature in the application and periodically change their passwords as a security measure.

I forgot my Mobile App Username. How can I find out what it is?
Select the “Help” icon at the login screen. Click the “Forgot Username” button. A Customer Verification page will be displayed. Enter all requested information and click the “VERIFY” button. Your username will be displayed once your information is verified.

Can I change my Mobile App Username?
Yes. Contact Customer Service for assistance.

I was not successful in resetting my password or retrieving my username. What else can I do?
Contact Customer Service for assistance.

What do I need to do before using the Mobile App?
In order to enroll in Mobile Banking, you must first be enrolled in Online Banking (https://online.rivercitybank.com). For any registration questions, please contact Customer Service at (916) 567-7200.

I am a Business customer; can I use the Mobile App?
Certain business types are supported by our mobile app. Sole-proprietors should register as a personal account to see both personal and business accounts. Business only and Trusts will need to know the “account opened” date of the account that will be used to register and will see just the business and trust accounts. Please contact customer service for additional details. Cash Management customers will be unable to use the RiverCityBank Mobile App

Do I need to be the primary account holder in order to register to use the Mobile App?
No. As long as you have a social security number tied to an existing account you will be able to register.

Can multiple users use the Mobile App through the same device?
Yes. Click the “NEW MOBILE USER? Tap to Register” button and follow the on screen prompts to complete the registration process.

Why did the Mobile App log me off?
For your protection, when the Mobile App has had no activity for 5 or more minutes, it will automatically log out for you.

Will my Mobile App username be deactivated due to a lack of use?
No. The account will remain active unless otherwise requested. Contact Customer Service to terminate the account if no longer needed.

I am trying to register on the Mobile App; it keeps saying my information cannot be verified?
This could be a one-time occurrence due to a connectivity problem. Please try the operation again. If the issue persists, please contact Customer Service.

What accounts can I transfer money to or from?
Available funds can be transferred between Checking, Savings, and Money Market accounts.

How do I cancel a scheduled transfer?
Canceling a scheduled transfer is handled differently between Apple and Android. On Apple mobile devices click the Cancel button in the upper right hand corner of the App. A red minus circle button will appear next to scheduled transfers. Click the red minus circle button then the Cancel button to the right of the selected scheduled transfer. On Android devices hold your finger on the scheduled transfer to be canceled. A popup menu will appear. Select “Cancel Pending Transfer”

Who is allowed to use the Mobile App?
Any customer with a Checking or Savings account may access the App. The customer must also be in good standing with the financial institution. 

How do I use the Mobile App to view or pay my bills?
Currently this feature is not available.  Bill pay is being evaluated as a potential future service.

I keep getting the same error message, what should I do?
This could be a one-time occurrence due to a connectivity problem. Please try the operation again. If the issue re-occurs, please contact Customer Service for assistance at (916) 567-7200.

I don’t see the deposit I just made using the River City Bank Mobile App in Online Banking, why is that?
Deposits made using the Mobile App are listed only on the Deposit History screen.  We are unable to show pending deposits made on the Mobile App in the Online Banking system.

I click on the add button to make a deposit and the Mobile App crashes, why is that?
The logout and add buttons are close together and if you tap to close to the Logout button the Mobile App will close without prompting you to make sure you want to logout.  Try tapping further away from the logout button.

I accidentally tapped “take photo” on the Make Deposit screen which now wants me to take a photo of a check.  How can I get back to the Make Deposit screen without taking a photo of a check?
Click on the exit button which is only active when the phone is held sideways (landscape mode).

Is there a limit on how much money I can deposit using the Mobile App?
Yes, your deposit limits can vary depending on your eligible accounts.  The Mobile App will inform you once you have reached the limit.

When will my funds be available?
Deposits are subject to verification and funds may not be available immediately. Once the deposit has been received, you’ll be able to view the pending transaction on your phone. Checks are processed daily, Monday through Friday, except on Federal holidays.  Checks received by 3pm (Pacific Time) are usually available in your account the next business day.

What types of checks are accepted with Mobile Check Deposit?
  • Personal checks
  • Business checks
  • Government/Treasury checks
  • Cashier’s checks
Checks must be from a U.S. institution and in U.S. dollars.

How can I cancel a mobile deposit?
Once a mobile deposit is successfully submitted it cannot be cancelled.

Are there any helpful hints to make using Mobile Deposit easier?
Here are some tips to ensure your deposit is successful:

  • Make sure the check amount entered in the app matches the amount written on the check
  • Verify that the back of your check is endorsed (signed)
  • Flatten folded or crumpled checks before taking your photos
  • Make sure all four corners of the check are within the camera image
  • Capture the photos in a well-lit area on a solid dark background
  • Keep the phone flat and steady above the check when taking your photo
  • Make sure the entire check image is visible and in focus before submitting your mobile deposit
  • Clean the phone camera lens, if it is smudged
  • Make sure the writing on the memo and signature lines do not overlap on the MICR line
  • Verify the check is made payable to the account holder