Riverview Mobile Banking 4+

I have been very pleased with Riverview Bank and their mobile app so far. When they added the feature of being able to deposit a check via the mobile app, I was happy I didn’t have to make a 20 mile round trip to just use the ATM.
The problem is, they DO NOT make any funds available. If deposits via the app are made after 4pm, they’re not available until after 7pm the next business day.
This policy was obviously written by people who assume their customers are trying to steal from them and who do not understand technology.
My suggestion would be they treat it like an ATM deposit and make $300 available or do what BECU does; make the entire amount available immediately through mobile deposit.
Otherwise, I am extremely happy with Riverview customer services and the people who work there.

I deposited a check using my mobile app on Saturday morning before the bank opened up. The money was not available or even a portion like is typical with mobile banking apps. I called and was told that the money wouldn’t be available until Monday evening some time. No definite answer. It is almost an hour after all the branches are closed and the deposit is showing as “approved” but no portion at all is reflected in my available balance. I will never use this app again.

I read a prior review related to depositing a check in a Saturday and the funds not showing in the account until Monday. All financial institutions have a cut off time for deposits. Deposits made after a certain time are not seen as a deposit made that day (they are seen as though they were made the next day). In using the example of a Saturday deposit, if made late in the day it will be seen as though it was deposited on Sunday and therefore reflect in the updated balance the next day (Monday).