Mobile Check Deposit Help

What is Mobile Check Deposit?

With Mobile Check Deposit, you can make a deposit anytime, anywhere! Save yourself a trip to the branch or ATM by depositing checks with your phone, even after hours, simply by taking a picture. It’s easy, safe and the most convenient way to deposit checks. Make deposits anytime, anywhere.

How does Mobile Check Deposit work?

To make a mobile check deposit please follow these steps:

  1. Launch the Mobile Banking App, log in, and tap “Mobile Check Deposit”
  2. Tap "Submit a Deposit"
  3. Select the account where you wish to deposit your check
  4. Enter the amount of the check
  5. Take a picture of the front of the check
  6. Take a picture of the back of the check
  7. Verify your deposit information and submit

Who is eligible for Mobile Check Deposit?

To qualify for the Service, you must meet eligibility criteria as stated by us including, but not limited to, the following:

  • You are 18 years of age or older;
  • You have been a Member with us for at least 90 days;
  • You have no charge-off share accounts or loans with us;
  • You must be current on all of your loans with us;
  • You must bring your share accounts to a positive balance at last once every thirty (30) days or less;
  • You must have had less than six (6) checks returned for non-sufficient funds (“NSF”) in the last twelve (12) months;
  • You must have had less than three (3) returned deposit items in the last twelve (12) months; and
  • Your mailing address on our records must be current and valid.

What accounts am I able to make a deposit to using Mobile Check Deposit?

The following types of accounts are eligible for the Service:

  • Membership Savings
  • Youth Savings
  • Achiever Savings
  • Holiday Club
  • eCash
  • Convenience Checking
  • Interest Plus Checking
  • Platinum Plus Checking
  • Members Advantage Money Market

When can I use Mobile Check Deposit?

You can use Mobile Check Deposit 24 hours a day, including weekends and holidays.

Is there a fee to use Mobile Check Deposit?

Prior to June 1, 2013, there will not be a fee to use Mobile Check Deposit. Beginning on June 1, 2013, there will be a  fee of $0.50 for each mobile deposit made into an eligible account other than an Interest Plus Checking account. No fee is charged for a mobile deposit made into an Interest Plus Checking account.

Is there a cutoff time for making a Mobile Check Deposit?

The Cut-Off Time is 8:00 PM EST.

The Cut-Off Time is determined by the time displayed on our internal system clocks and may not necessarily be synchronized with the internal clock displayed on your Compatible Mobile Device. For this reason, we suggest that you transmit an item for mobile deposit to us sufficiently in advance of any Cut-Off Time to eliminate the possibility of missing the cutoff.

When will my deposit be processed?

Deposits are reviewed and processed within 2 business days.

When will my deposit be available?

If your deposit was accepted prior to 8:00 p.m. your deposit will generally be available to you the next business day. Deposits made after 8 p.m., or on weekends or holidays, will generally be processed the next business day. All deposits are subject to review and funds from your deposit may not be available for immediate withdrawal.

Is Mobile Check Deposit secure?

Yes. You access Mobile Check Deposit through UFCU’s Mobile Banking app, which uses encryption similar to Online Banking to keep your information secure and confidential. UFCU’s Mobile Banking applications do not store any confidential information on your phone.

How many checks can I deposit using Mobile Check Deposit?

You can deposit as many checks as you’d like up to the deposit limit. However, you can only deposit one check at a time.

When will funds from Mobile Check Deposits be available?

Below is our general funds availability policy for the Service:

If an item is transmitted before the Cut-Off Time:

  • Up to $200.00 is available immediately;
  • Anything greater than $200.00 up but less than or equal to $5,000.00 is available on the second (2) Business Day; and
  • Anything greater than $5,000.00 is available on the seventh (7) business day.

What happens if I mistakenly deposit the same check twice?

The Mobile Check Deposit has a built-in duplicate detection system and will notify you if the same check is entered twice.

Are there limits to how much I can deposit?

Yes. Each mobile deposit is limited to $5,000 per check and the total daily limit is $5,000 per Business Day per eligible account. Each mobile deposit will count toward the limit for the Business Day on which the mobile deposit is received.

What should I do with the check after it has been deposited?

We ask that you retain the check in a secure location for 120 days. In the event that the image of your check cannot be processed, we may ask for the original item. After 120 days, the original check should be shredded. Do not attempt to re-deposit successful items as this will cause items to be returned NSF which could be subject to fees.

What devices can use Mobile Check Deposit?

Mobile Check Deposit works on most iPhone® and Android™ phones.

iPhone® requirements:

  • 3GS, 4 or 4S, 5
  • iOS 5 or higher

Android™ requirements:

  • OS 2.0 or higher
  • Camera 2.0 megapixels or higher

If I discover I've entered an incorrect amount for a deposited check, should I redeposit the check?

No. Please contact our Member Service Center immediately at (888) 982-1400 to report any errors or discrepancies.

Can I make a deposit to another member's account?

No. You can only make deposits of eligible items to those accounts that you have access to through your normal online/mobile banking site.

Do I have to endorse the back of the check?

Yes. Please endorse all checks with your signature and print "For eDeposit Only at UFCU" on all checks.

Are the check photos stored on my mobile device?

No. The photo of your Mobile Check Deposit will not be stored on your mobile device.

Do you place a hold on check deposits?

Yes. Please see our Funds Availability for details on check holds.

How do I know if I've taken the picture correctly?

The new Mobile Check Deposit application will check the picture for quality. If the quality is poor, the application will ask you to retake the picture. Simply select the image displayed, this should launch the camera function and allow you to take a new picture of the item.

What is an "eligible item"?

An eligible item is an original paper check that is payable to you, and is within the meaning of a “check” as defined in Federal Reserve Regulation CC and UFCU's deposit guidelines. Please see terms and conditions for a full list of ineligible items.

Am I able to deposit a check to a Quick Linked account?

Yes. You may deposit into a Quick linked account as long as it is an eligible account.

What if a check deposited in Mobile Check Deposit is fraudulent?

Any check deposited through Mobile Check Deposit will follow the same procedure for fraud as those that were deposited via a teller or ATM.

When I receive the message “Your media was sent successfully” does this mean that everything was submitted and I can exit Mobile Check Deposit?

No. When you receive this message it means that the image was received for either the front or back of the check. You will still need to tap “Submit” in order for both the front and back of the check to be submitted for processing.


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