Frequently Asked Questions

Many common questions are answered below.  Just select the topic and question that best fits your need.

If you are unable to find an answer below, we’re here to help. Just contact us.

Banking

What is the BankRI routing number?

011501682

How do I set up Direct Deposit of my payroll check?

After your checking application has been approved, you will receive our routing and transit number and your account number. If your employer participates in a direct deposit program, simply provide this information to the human resources or payroll department at your company, and your direct deposit will usually begin within thirty days.

How do I set up Direct Deposit of my Social Security check?

After your checking application has been approved, you will receive our routing and transit number and your account number. Simply contact the Social Security Administration at 1-800-772-1213(TTY 1-800-325-0778) and provide them with this information. Or visit them online at www.ssa.gov/deposit/.

Can I get information about my account by phone?

Yes! Account information is available with our Customer Service Representatives during business hours at any of our offices or you can call Telephone Banking for automated account information 24 hours a day.

What products can I apply for online?

We have a variety of  personal checking and savings accounts that may be open online.   Click here to get started Open an Account

Do you offer IRAs?

Yes we do offer IRAs. Please see our IRA Product page

Can I open an account if I don’t live in the United States? What if I live in the United States but am not a citizen yet?

At this time, we only accept applications from persons residing within the United States with valid U.S. tax identification numbers (Social Security Numbers). If you have questions, contact us. We’d like to hear from you.

Can I do all of my banking with you?

Yes! Thanks to the convenience of Online Banking, Mobile Check Deposit, Direct Deposit, and ATMs, everyday banking activities can be performed on your own time. Contact us with questions about your banking needs.

Can I look at all of my transactions at any time?

Yes! With Online Banking, you have access to your account information 24 hours a day, 7 days a week!

How frequently is my Bank Rhode Island account information updated?

Your account information is updated every business day with new transactions that were posted to your account the previous business day.

Are wire transfers possible to and from my checking account?

Yes! Funds can be transferred to and from accounts by wire transfer or via ACH (Automated Clearing House) debits or credits. Contact us for details.

How do I make a deposit to my account from a remote location?

You can do most of your banking by using direct deposit, ATMs or ACH (Automated Clearing House) transactions. We also offer Mobile Check Deposit using our Mobile Banking App. There is a bank-by-mail service, which allows you to mail non-recurring deposits. Our Deposit Xpress service provides businesses and organizations a fast and easy way to make deposits of checks remotely from their place of business using their PC and a special check scanner. Contact us for details on a method that’s best for you.

When do I have access to use Internet Banking?

With Online Banking, you have access to your account information 24 hours a day, 7 days a week!

Online & Mobile Banking

Why am I being asked to enter my email and phone number when logging in?

For added security, the new system uses a secure feature called two-factor authentication, which uses text messages or phone calls to verify it is you logging in. When you first log in, you will be asked to set up your two-factor authentication by entering your email and a phone number.

  • Select if you want to receive your security codes as a phone call or a text message.
  • Enter the verification code that you receive and select Verify.
  • You may check the box on the verification screen if you do not want to enter a code each time you logon. 
  • If you login using a different device, you will be asked to enter a code. This new feature replaces security questions.

What should I do if I forget my password?

If you forget your password you can reset your login credentials by clicking the “Forgot?” link on the sign on screen. If you are experiencing a problem, please contact our Customer Support Center at (866) 422-6574 and we will walk you through the steps needed to login to Online & Mobile Banking.  (Please note that Business Online & Mobile Banking customers cannot use this feature.)

How do I “Sign Out” of Online & Mobile Banking?

On your desktop, you can locate the “Sign out” button by clicking on your name/initials in either the upper right hand corner or on the lower left.  On your mobile device, you can locate the “Sign out” button by bringing up your menu (click ‘≡’ in upper left corner) and your “Sign out” button will be at the bottom.

Which browsers can I use to access Online & Mobile Banking?

Our Online & Mobile Banking can be used with a secure browser such as Google Chrome, Microsoft Edge, Safari or Firefox. Internet Explorer is no longer supported. If you have questions, please contact our Customer Support Center (866) 422-6574.

Why am I not receiving balance and transaction alerts?

If you had balance and transaction alerts on our previous Online Banking system (prior to 3/16/2021), you will need to reset them in the current Online & Mobile Banking system. (Business Online Banking customers will not need to reset their balance and transaction alerts).

How do I set up balance and transaction alerts?

To set up an alert, select your account, and choose “Alert preferences”. Alerts can be set for Balances and Transactions. Choose “+ Add alert” and complete the details. You may choose to receive alerts by text, email, or an in-app message.

How do I change my security preferences?

To change your User Name, Password, Passcode, Face/Touch ID or phone number for Two Factor Authentication, go to the Menu and select Settings, then choose Security.

How do I customize my homepage/dashboard to view transactions, payments, transfers, remote deposits, card management, etc.?

You can customize your homepage by adding or rearranging the Dashboard Cards as follows:

  • Tap the “…” in the upper right corner of any Dashboard card, or from the bottom of the screen, tap Organize Dashboard
  • Click and drag the card titles to re-arrange them
  • Tap the “+” icon in the upper right to add more cards, or choose Add a Card from the bottom of the page

How do I change the order is which my accounts are displayed?

Select “Accounts” from your Menu, then click on “Organize Accounts” at the bottom of your screen.

What restrictions apply to transferring funds?

Transfers are limited to the available balance within a withdrawal account. 

Who do I call if I need help?

You can reach us at (866) 422-6574, stop by one of our branch locations or you may begin a conversation with our Customer Support Center online and on mobile.

Mobile Check Deposit

What is Mobile Check Deposit?

 It is a fast, easy and secure way to deposit checks to your BankRI account using your mobile device.

How do I sign up for Mobile Check Deposit?

First, you need to be an Online & Mobile Banking user and have downloaded the latest version of our BankRI Mobile Banking app.  Then choose “Deposit Check” from the Menu to enroll.  (Please allow up to two business days for enrollment to be completed.)

What type of mobile device must I have to use Mobile Check Deposit?

All iPhone®, iPad® and AndroidTM mobile devices.*

Is there a waiting period?

No, however activation could take up to two business days.

What accounts are eligible?

You can make deposits to any BankRI Checking, Savings or Money Market Account that you have selected to view on Mobile Banking.

Are there any fees for making Mobile Check Deposits?

No.

How do I make a Mobile Check Deposit?

It’s easy. Just follow these steps:

  1. Endorse your check. Please include “For Mobile Deposit Only” under your signature.
  2. Select “Deposit checks” from the Menu or use the “Deposit” icon from your homepage dashboard.
  3. Select “Deposit a Check.”
  4. Enter the dollar amount of the check. Press Continue.
  5. Select the account you want the check deposited to.
  6. Place your check on a brightly lit, plain, flat surface. Position the check within the guides provided by the app.
  7. Take a picture of the front of the check by tapping the screen to capture the image.
  8. If the image is clear and meets all of the requirements, select “Continue.” If not, select “Retake” and try again.
  9. Repeat the process for the back of the check.
  10. Verify the details of your deposit: that the amount of the deposit is correct, the correct account is selected and thumbnail images of both the front and back of the check are displayed.
  11. Once you have verified that your deposit information is correct, select “Submit” at the bottom of the screen. Once complete, a confirmation will be displayed. You will then be sent an email once your deposit is received.

What are the cut-off times for Mobile Check Deposits?

Mobile deposits confirmed as received before 7:00 p.m. ET on Monday through Friday (except Bank Holidays) will be considered deposited on that day. Deposits confirmed as received after 7:00 p.m. ET on Monday through Friday (except Bank Holidays) will be considered deposited on the next Business Day.

When will funds be made available?

Funds from Mobile Deposit will generally be available on the first business day following the date of deposit.

How long should I keep my original check once I have made a Mobile Check Deposit?

You should keep the original check for 30 days after depositing it. To avoid re-depositing it by mistake, consider writing “Mobile Deposit” on the front of the check as a reminder to yourself.

Is there a limit on the number of checks I can deposit?

There is no limit to the number of checks that can be deposited, but only one check can be deposited per transaction, however you cannot exceed your daily and monthly deposit limits.

What types of checks can I deposit with Mobile Check Deposit?

Checks payable in U.S. dollars and drawn at any U.S. bank, including personal, business and government checks, are eligible as long as they are payable to and endorsed by the account holder.

What types of checks are not allowed for Mobile Check Deposit?

International checks, U.S. savings bonds, U.S. postal money orders, remotely created checks, convenience checks (checks drawn against a line of credit) and checks made payable to “cash” are not available for Mobile Deposit.

I just made a mobile check deposit. Why don’t I see the deposit in my online history?

Mobile check deposits are posted after business hours and can be viewed online the business day following the deposit.

Why might I have been declined for using Mobile Check Deposit?

You must have one or more eligible checking or savings account(s) that have been open and in good standing If you have had any nonsufficient funds occurrences during a rolling 90 day period you will not be eligible to use this service. If, after a ninety day period you have not had any non sufficient funds occurrences you may re-apply.

Why would my check be returned?

Poor image quality is the most common reason a check cannot be read. If you have deposited a check through Mobile Check Deposit that has been returned, please call us at 1-866-422-6574.

Why does my email deposit confirmation reference Central Time.

Our mobile banking processor is located in the central time zone, therefore your confirmation references Central Time. Please add an hour for Eastern Time.

Bill Pay

Is it possible to schedule recurring payments?

Yes. You can schedule weekly, semi-monthly and monthly recurring payments.

When I add a new payee to bill pay account, or change my account number, how quickly will the change take place?

When you update the information for the bill payment account, the changes are implemented immediately.

Can I use electronic bill payment with all my accounts?

No, only checking accounts can be used for bill payment purposes.

When can I start using electronic bill payment?

You can begin using bill pay as soon as you have logged in to Online Banking for the first time.

When is bill payment available?

You can schedule payments 24 hours a day, seven days a week.

How do I add new payees?

You can add payees by accessing the Payee section of Bill Pay. New payees will be added to the payee list immediately.

Can bill payment be used when I am out of the country?

Bill payment provides you with peace of mind when you are traveling for an extended period of time. All you need is access to the Internet with a secure browser and you can pay your bills while out of the country. Payees must be located within the 50 United States and Territories.

Who can be paid using the bill payment system?

Anyone in the 50 United States and territories who can accept a check can be paid using the bill payment system. You can pay practically anyone- charge accounts, utilities, auto loans, professionals, even a lawn service or a relative. However, tax payments (such as federal, state and local) and court directed payments (such as alimony and child support) cannot be processed through our online bill payment system.

Can I pay my bills on the weekend?

You can set up your payments during the weekend. However, the system will prohibit you from scheduling a single payment and the first of a recurring payment on the same weekend. When scheduling payments on a weekend, the first day for which you can schedule payments (single or recurring) is the first business day following the weekend.

If I schedule multiple bill payments for a single day, how will my account be debited- as a lump sum or separately?

Each bill payment is debited separately.

How is my account debited?

Your account is debited via ACH.

What is ACH?

Automated Clearing House is a funds transfer system which provides for the interbank clearing of electronic entries for participating financial institutions.

Are all my payments made by ACH?

No. In some cases – often when paying an individual – a payee may not be able to accept ACH payments. In such cases the Bill Pay system creates a paper check that is mailed to your payee. When a paper check is mailed, your account is debited for the amount of the check when the check is deposited by your payee.

If I make an error in selecting an electronic payee and it results in a late fee, am I responsible for the charges?

If you select an electronic payee with an address that is different from that indicated on the payment coupon, then you are responsible for the late fee. You always have the option to manually enter a different address for a payee.

How do I place a ‘stop payment’ on a bill payment?

A payment may changed or deleted anytime before 3:00 PM the business day on which it is paid. Payments that have been processed cannot be stopped.

eStatements & Tax Forms

What are eStatements?

eStatements and online tax forms are a service that allows you to view your monthly statements and year-end tax forms from Online Banking. The online versions replace the mailed, paper versions and are:

  • Environmentally Friendly
  • Secure
  • Easily Accessible
  • Fast
  • Free

How do I begin receiving eStatements?

In order to receive eStatements you need to be enrolled and active in our Online & Mobile Banking service. Log into Online or Mobile Banking and select the “Documents” menu. Then, accept the Documents agreement and select which account(s) to enroll. You will receive a confirmation email that your enrollment has been completed. You will receive a courtesy email letting you know that your eStatement is available for viewing for each subsequent statement. To access your statement, log into Online or Mobile Banking and select “Documents”.

How long will it take to set up my eStatement service?

You will begin receiving your eStatements the next time you are scheduled to receive your paper statement.

Will I continue to receive paper statements once my eStatement service is set up?

No, once you have completed the enrollment process for eStatements, paper statements are no longer produced for your account(s).

What accounts are eligible for eStatements?

All your Online & Mobile Banking deposit accounts (with the exception of Certificates of Deposits) and loan statements are available as soon as you enroll for eStatements. If you wish to receive a paper statement for some accounts, select the account you wish to un-enroll and select “Settings” from the menu. Then, select “Documents/Enrolled”, uncheck the box next to the account, and click Save. Or, you may write to us at Bank Rhode Island, eStatements, P.O. Box 9488, Providence, RI 02940-9488, call our Customer Service Center at 1-866- 422-6574 or send us a message through Online & Mobile Banking.

How do I access my eStatements?

You will receive a courtesy email letting you know that your eStatement is ready and available for viewing. To access your statement, go to our website (bankri.com), log on to Online Banking, and click on “Documents”.

How do I view my eStatements?

After you click on the account statement you want to view, a list of your current and past statements displayed.  Simply click on “View” to display your statement.  If you need a PDF viewer, you will see a window asking whether you would like to download a file or save it to a file on your computer. Cancel the window and install Adobe Acrobat Reader to view your statement. To install a free PDF viewer, go to the Adobe website and follow the instructions to download and install Adobe Acrobat Reader.

How long will my eStatements be available?

Your eStatements are available for up to seven (7) years.

How do I print my eStatements?

If you have a printer, you can print your eStatements documents directly from your browser.

Can I save my statement and PDF attachment on my computer or other storage device?

Yes, in fact, we recommend that you save your monthly statements on either your computer or a disk so you can easily retrieve them in the future. To save a copy of your electronic statement, open the pdf statement, choose “File” then “Save As” and specify where you want the document saved on your storage device..

What if I cannot access my eStatements?

If you have any problems accessing your eStatements, contact our Customer Support Center at 1-866-422-6574

What if I don’t receive an eStatement notification when expected?

We monitor the eStatement delivery system for any possible delivery issues so that your eStatement service is not interrupted. If you do not receive your eStatement when it is normally sent, please check to be sure your email mailbox is not full and that your email address has not changed. You should also make sure that the email address we use to send your eStatement notifications does not block certain emails as SPAM or “Junk Mail.”

How do I change my email address, and email delivery options?

It is very important that we have a current email address for you so that we can continue to notify you when your statements are ready and keep you updated about important product information. To change your email information, log in to Online or Mobile Banking, select one of your accounts -> select Settings -> Documents -> Enrolled.

What if I change my mind and want to go back to paper statements?

You can cancel your eStatements delivery at any time. To do so, log in to Online & Mobile Banking, select the account you wish to un-enroll, and select “Settings” from the menu. Then, select “Documents/Enrolled”, uncheck the box next to the account, and click Save. Or, you may write to us at Bank Rhode Island, eStatements, P.O. Box 9488, Providence, RI 02940-9488, call our Customer Service Center at 1-866- 422-6574 or send us a message through Online & Mobile Banking.

How do I begin receiving 1098 and 1099 tax forms?

You must opt-in through Online & Mobile Banking by selecting an account, click “Settings”, and then Documents/Advanced Settings”. Next, select “Sign Up/Changes”, select the drop down for each account, select the tax form, and click Save.

Is there a deadline to opt-in for online tax forms?

There is no deadline for enrolling in tax forms. Up to seven (7) years of tax forms will become available upon enrollment.

All BankRI branches and offices will be closed on Thursday, July 4th in observance of Independence Day.