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Mobile Deposit

Need to deposit a check quickly?  With Community 1st Credit Union’s mobile banking app, you can electronically deposit checks from an iPhone or Android device that has a camera.   Simply log in, select Mobile Deposit, choose the account for deposit, take pictures - and you're done.  No more running to a branch with your check or tracking down a stamp to send it in. It’s that easy! And best of all, Mobile Deposit is a FREE feature of our mobile apps.  Watch our video for step-by-step instructions to help get you started:

Mobile Deposit Tips:

- Always endorse your check

- Take photos in an area with appropriate lighting

- Keep your paper check for at least 60 days

- Deposit Limits:

  • $2,500 maximum per transaction
  • $2,500 maximum per business day
  • $10,000 maximum per 30 calendar days

 Frequently Asked Questions:

What is Mobile Deposit?
Mobile Deposit allows you to take pictures of the front and back (endorsed) of a check payable to you and make an instant deposit to your account. You must be a member in good standing with the credit union to use mobile deposit.

Who is eligible to use Mobile Deposit? 
Members  must be in good standing, be enrolled in Online Banking, and have Overdraft Advance.

When will my deposit be processed?
Effective November 3, 2014, Mobile Deposit funds are available on the next business day.  The cutoff time for Mobile Deposits (to considered deposited today) is 5pm.  For determining the availability of Mobile Deposits, every day  is a business day, except Saturdays, Sundays, and federal holidays. Additionally, if there are issues with the quality of image, the amount, payees, endorsements, etc. we may notify you that your deposit is reversed pending submission of a new deposit.

Is depositing my check with a mobile device safe?
Yes. The link between your mobile device and our mobile deposit site are encrypted to industry standards. Your scanned check is secure and protected through this link.

What are some tips for using mobile deposit?
Endorse your check just as if you are bringing it to a teller. Image quality is key to successfully making a mobile deposit. Be in a well lit area, avoid casting shadows and be willing to retake an image if your device’s camera isn’t focusing properly. The quality of the check also plays a part. Ideally everything is clear and where it belongs. Persistence and patience may be required to get a good image.

What if my check doesn't have very legible handwriting?
If the system is unable to read the check information, an error message will display. In that case, you may deposit the check at a branch or by mail.

My check was written more than six months ago. Can I still deposit it?
No. The check is considered "stale-dated." You should request to have the person who issued the check reissue it with a current date.

I have a check made payable to someone else. Can I deposit it into my account?
No. This is considered a third-party check. Only checks made payable to the account holder(s) are accepted.

What do I do with the check after it's been deposited?
We recommend that you store your original check in a safe place for up to 60 days. Do not write VOID across the front of it or destroy it until after this period. Be sure the check is not rescanned or deposited elsewhere unless Community 1st Credit Union specifically instructs you otherwise.