Mobile Deposit 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 a checking account open for at least 30 days to qualify.

What are the deposit limits?
$2,500 maximum per transaction
$2,500 maximum per business day
$5,000 maximum per 30 calendar days

When will my check be credited to my account?
Checks deposited Monday – Friday (excluding holidays) before 4:00 pm will be available in your account the next business day.  All other deposits will be available within two business days.  

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.

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