MyBTRmoney with Mobile Deposit

Access your account information securely anytime, anywhere from the convenience of your mobile phone!  Enjoy the benefits of receiving account details by text message or take advantage of Online Banking and Bill Pay features easily through your phone's web browser or through our mobile app. 

About myBTRmoney 

You may access your account(s) using myBTRmoney by web-enabled cell phone by using the bank issued mobile web link or downloadable app and using your online banking password to:

  • Transfer funds between checking and savings accounts
  • Make payments from checking or savings to loans with us
  • Make payments from checking to third parties
  • Get information about checking, savings, CD and loan accounts
  • Transfer funds from lines of credit to checking or savings accounts
  • Deposit checks to your checking or savings accounts (myBTRmoney app only)
  • Web access is needed to use this service. You may be charged access fees by your cell phone provider based on your individual plan. Check with your cell phone provider for details on specific fees and charges.

When two balances are displayed, the Available Balance may include Bank of Travelers Rest’s Overdraft Privilege, RediLink or RediReserv.

Thank you for using myBTRmoney (“Services”) and any related Software (“Software”) provided by Bank of Travelers Rest (“Bank”) combined with your handheld's text messaging capabilities. By participating in the Services or using the Software, you are agreeing to the following terms and conditions, in addition to any terms and conditions to which you have previously agreed with respect to the underlying electronic banking and Billpay services of which the Service is a part. Bank in its discretion may modify these Terms and Conditions at any time. By continuing to use this service, you agree to any modifications in the Terms and Conditions.

Standard messaging charges apply.

Terms and Conditions:

1.     Program: Bank offers their customers mobile access to their account information (e.g., for checking balances and last transactions) over the Short Message Service (SMS), as well as the option to set up alerts for their accounts (e.g., low balance alerts). Enrollment requires identification of the user's banking relationship with Bank as well as providing a mobile phone number. The mobile phone number's verification is done by the user receiving an SMS message with a verification code which they will have to enter on the website. Additionally, customers may select the type of alerts and other preferences which will determine, together with their account data, the frequency of alerts delivered to the customer. This program will be ongoing. Standard messaging charges apply. Customers will be allowed to opt out of this program at any time.

2.     Mobile Deposit: This service allows you to deposit checks into certain accounts using the myBTRmoney app.

A.    Types of Checks: Most checks can be deposited using Mobile Deposit; however, there are some types you cannot deposit. These include, but are not limited to:

a.     Check drawn on banks outside of the United States.

b.    U.S. Savings Bonds

c.     Checks payable to any person or entity other than you or a joint account holder.

d.    Checks without preprinted information such as “starter checks”.

e.     Checks that are dated after the date of deposit, checks that are dated more than 180 days before the date of deposit or checks that indicate that they are no longer valid.

f.     Checks that are not an original check such as substitute checks or remotely created checks.

B.    Availability of Funds Deposited: Funds are normally made available within two business days. Checks that are deposited through Mobile Deposit are subject to verification by the Bank. Items may be rejected for any reason and we will not be liable to you. If an item is rejected, you will need to deposit in person by going into a branch or using an ATM which accepts deposits.

C.    Deposit Cut-off time: Deposits made through Mobile Deposit must be made by 6:00 p.m. Eastern Standard Time on a business day to be considered deposited the same day. Deposits made on or after 6:00 p.m. Eastern Standard Time on a business day, on a holiday or weekend will be considered deposited the next business day. Business days are Monday through Friday, excluding Federal Holidays unless otherwise posted in our website.

D.    Deposit Limits: The total amount you will be able to deposit each business day is $1,000.

E.    Destruction of Original Checks: After depositing your check, write “Mobile Deposit” in the subject line. Retain your check for 14 days after it posts to your account and then destroy it.  Destroying the original check will prevent it from being deposited a second time. You may be liable for checks deposited more than once.

F.    Types of Accounts: The Bank may limit the type of checking or savings account that is available for Mobile Deposit.

G.    Service Limitations: The Bank may at any time for any reason limit or discontinue this service without notice. The Bank is not liable for any damages you incur as the result of any issues or the unavailability of this service.

H.    Errors: The Bank will provide periodic statements that will identify deposits made through Mobile Deposit. Additionally, you have access to Online and myBTRmoney which provides information about transactions on your account. You agree that it is your responsibility to review all information the Bank makes available to you in a timely manner and to verify that deposits made through Mobile Deposit have been received and accepted and are accurate. You agree to notify us promptly of any errors, omissions or discrepancies within the period provided by the Terms and Conditions that govern your account. You may notify us of errors by calling 864-834-9031, toll-free 888-557-2265, emailing or visiting any branch.

3.     You may also contact us for questions or to cancel myBTRmoney or Mobile Deposit by calling 864-834-9031, 888-557-2265 or emailing

4.     The Services and/or Software may not be available at any time for any reason outside of the reasonable control of Bank or any service provider.

5.     To print a copy of these Terms and Conditions, go to Login Online Banking and click on User Agreement, then click on Mobile Banking Terms and Conditions.

Privacy and User Information. 

You acknowledge that in connection with your use of the Services, Financial Institution and its affiliates and service providers, including Fiserv, Inc. and its affiliates, may receive and may share with one another names, domain names, addresses, passwords, telephone and device numbers, the content of messages, data files and other data and information provided by you or from other sources in connection with the Services or Software (collectively “User Information”).  The Financial Institution and its affiliates and service providers will maintain reasonable safeguards to protect the information from unauthorized disclosure or use, but reserve the right to use and disclose this information as reasonably necessary to deliver the Services and as otherwise permitted by law, including compliance with court orders or lawful instructions from a government agency, to protect the personal safety of subscribers or the public, to defend claims, and as otherwise authorized by you. The Financial Institution and its affiliates and service providers also reserve the right to monitor use of the Services and Software for purposes of verifying compliance with the law, these terms and conditions and any applicable license, but disclaim any obligation to monitor, filter, or edit any content. 

Restrictions on Use. 

You agree not to use the Services and Software in or for any illegal, fraudulent, unauthorized or improper manner or purpose and will only be used in compliance with all applicable laws, rules and regulations, including all applicable state, federal, and international Internet, data, telecommunications, telemarketing, “spam,” and import/export laws and regulations, including the U.S. Export Administration Regulations. Without limiting the foregoing, you agree that you will not use the Services and Software to transmit or disseminate:  (i) junk mail, spam, or unsolicited material to persons or entities that have not agreed to receive such material or to whom you do not otherwise have a legal right to send such material;  (ii) material that infringes or violates any third party’s intellectual property rights, rights of publicity, privacy, or confidentiality, or the rights or legal obligations of any wireless service provider or any of its clients or subscribers; (iii) material or data, that is illegal, or material or data, as determined by Financial Institution (in its sole discretion), that is harassing, coercive, defamatory, libelous, abusive, threatening, obscene, or otherwise objectionable, materials that are harmful to minors or excessive in quantity, or materials the transmission of which could diminish or harm the reputation of  Financial Institution or any third-party service provider involved in the provision of the Services; or (iv) material or data that is alcoholic beverage-related (e.g., beer, wine, or liquor), tobacco-related (e.g., cigarettes, cigars, pipes, chewing tobacco), guns or weapons-related (e.g., firearms, bullets), illegal drugs-related (e.g., marijuana, cocaine), pornographic-related (e.g., adult themes, sexual content), crime-related (e.g., organized crime, notorious characters), violence-related (e.g., violent games), death-related (e.g., funeral homes, mortuaries), hate-related (e.g. racist organizations), gambling-related (e.g., casinos, lotteries), specifically mentions any wireless carrier or copies or parodies the products or Services of any wireless carrier; (v) viruses, Trojan horses, worms, time bombs, cancelbots, or other computer programming routines that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data, or personal information; (vi) any material or information that is false, misleading, or inaccurate; (vii) any material that would expose  Financial Institution, any third-party service provider involved in providing the Services, or any other third party to liability; or (viii) any signal or impulse that could cause electrical, magnetic, optical, or other technical harm to the equipment or facilities of  Fiserv or any third party.  You agree that you will not attempt to: (i) access any Software or Services for which your use has not been authorized; or (ii) use or attempt to use a third party’s account; or (iii) interfere in any manner the provision of the Services or Software, the security of the Services or Software, or other customers of the Services or Software, or otherwise abuse the Services or Software.

Use of Google Maps. 

You agree to abide by (1) the Google terms and conditions of use found at (2) the Google Legal Notices found at, or other URLs as may be updated by Google.