True or False? You Can’t Deposit Checks with a Digital Bank
If you said False, you are correct! Real One makes mobile deposits simple and secure.
It’s a common misconception that if your financial institution doesn’t have a physical branch, they are limited in what they can do, especially when it comes to depositing paper checks. At Real One, we’ve designed a digital banking experience that’s not only flexible but fully equipped to handle real-world financial needs like check deposits, cash access, and easy money movement. Here’s how mobile check deposits work, along with other features that make managing your money with R1 convenient and stress-free.
Remote Deposit: How It Works
Depositing a check through the R1 mobile app is quick, secure, and available whenever you need it. You don’t need to visit a branch or use an ATM, just follow these simple steps:
Open the R1 app on your phone or tablet and login.
Tap the plus sign at the bottom of your screen.
Select “Remote Deposit”, then tap “Deposit Check”.
Select the account you want to deposit into.
Follow the instructions listed. Take a clear photo of the front and back of the check.
Enter the check amount and submit.
Your check will appear as a pending deposit right away, and funds are processed according to our standard hold policies. It’s convenient, secure, and available wherever you are.
Access to Cash When You Need It: Digital banking doesn’t mean giving up access to cash. As a member of Real One, you have access to a nationwide network of over 30,000 fee-free ATMs, many of which also accept check and cash deposits. To help you locate the most convenient ATM near you, including those that accept deposits, we’ve created a brief tutorial on how to use our ATM locator. You can watch it here on YouTube. Whether you're withdrawing funds, depositing a check, or simply checking your balance, you're never far from your money.
Easy Transfers and Money Movement: Managing your finances with R1 means having full control over your accounts at your fingertips. Our app allows you to:
Transfer funds instantly between your checking, savings, and line of credit.
Send money to friends, family, or other external accounts. Link external accounts using Plaid to transfer funds to and from your other accounts outside of R1. Utilizing Plaid is simple! Just log in to your R1 online banking via the website or the mobile app as usual, then tap the “Link External Accounts” button.
Set up recurring transfers to automate your savings or manage regular expenses and set up your paychecks to direct deposit to your R1 account for effortless payment every time!
Every tool is designed to save you time and make money management simple, whether you’re budgeting weekly or planning ahead for major goals.
A Line of Credit That Offers Flexibility: Your Real One account includes a built-in line of credit that’s available when you need. No extra steps or applications required. Use it to:
Cover expenses between paychecks.
Avoid overdraft fees by accessing credit before your balance hits zero.
Handle unexpected costs without relying on high-interest credit cards.
Your line of credit is a flexible financial resource that helps you stay in control, even when the unexpected happens.
Banking Designed for Real Life: At Real One, we’ve eliminated the need for in-person banking by building an experience that works around your schedule—not the other way around. With 24/7 access through our mobile app, a robust ATM network, and modern tools like remote deposit and digital transfers, you can manage your money anywhere, anytime.
The Bottom Line: The myth that says you can’t deposit checks with a digital bank? False. With R1, making remote deposits on the go is just one of the many features we offer to help you manage your money with confidence and ease. It’s banking built for the way you live: secure, convenient, and entirely in your control. Ready to make your first remote deposit? Open your Real One app and tap the plus sign to get started today.