How do users log on to Mobile Banking?

Account holders use the same User ID and password they use for Online Banking access.  After initial login, a user can also take advantage of their smartphone’s built-in security features, such as fingerprint ID and facial recognition.

Business Mobile Banking also supports the use of both hardware and software tokens, which provides an extra layer of security for our business account holders who have this feature enabled in Business Online Banking.

What devices can be used for Business Mobile Banking?

Account holders with an Apple® or Android® smartphone with internet access can download our Business Mobile Banking app right from their app store. For questions on if your device is compatible, please reach out to our Cash Management team at 701-499-6768. Data and/or access fees may apply from their mobile or internet service providers.

Who can use Business Mobile Banking?

Anyone with a business account, loan, or line of credit. However, the account holder must first be enrolled in Business Online Banking before being able to use the app. Additional users must be authorized before being allowed to approve transactions, make deposits, and/or transfer funds.

What is Business Mobile Banking?

Business Mobile Banking (AKA Business Mobiliti) is a mobile banking tool with powerful features for businesses of all sizes, built into a smartphone app. It integrates seamlessly with Business Online Banking and is the ultimate mobile banking app to keep account holders’ businesses moving whenever they’re on the go.

When are the funds available from a 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 we accept the deposit, 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 we accept the deposit, 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 “Cornerstone Mobile Deposit.”
  • 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.