Mobile Check Deposit FAQ

A:

  1. Log into Online Banking or Mobile Banking;
  2. Under the “Services” menu, click on Mobile Deposit Enrollment;
  3. Accept the terms and conditions.  Enrollment is complete!
  4. You can begin using Mobile Check Deposit immediately. If you just enrolled within the app, please log out of mobile banking and log back in. Select Check Deposit within the "Transactions" menu.  Click here to learn how to deposit a check.
A: Enroll in Online Banking and have a Checking account.
A: There is a $5,000 daily limit for Mobile Deposits. Any check greater than $5,000 may be rejected and if so must be submitted at a branch, ATM or mailed. There is no limit on the number of checks you can deposit each day, however any check that exceeds the $5,000 daily aggregate limit may be rejected.
A: Deposited items are subject to the Credit Union’s Funds Availability Policy. In some cases, we will not make all of the funds that you deposit by check available to you on the same day we process your check. There may be additional holds on deposited items as set forth in the Credit Union's Funds Availability Policy disclosure, as amended from time to time.  However, the first $200.00 of the aggregate amount of your deposit(s) will be available on the same day your deposit(s) is processed. If we are not going to make all of the funds from your deposit available on the same day we process your deposit, you will be notified by mail. We will also tell you when the funds will be available.
A: The cut-off time is 3:00pm Pacific. If a check is submitted before 3:00pm Monday through Friday, the deposit will be processed on the same business day. Deposits will be posted to your account by 6:00pm.  Any deposits made after the 3:00pm cut-off time Monday through Friday will be processed the next business day (Monday through Friday).  Any deposit made on a Saturday, Sunday or on a Holiday will be processed the next business day (Monday through Friday).
A: (See the answer above – “daily cut-off time”.)
A: After a check is submitted, it is “pending” until it passes or fails our review process.  If your deposit passes review, it will be processed and posted to your checking account following our daily processing timeline (see “daily cut-off time” above).  If your deposit is rejected, we will provide you with a reason; for example, check rejected due to over-limit.  You can view the status of your deposits by selecting the “Activity” button within the Check Deposit screen within the app; tap on a deposit to see the status details. You can also view this information within our Online Banking website, by clicking the “Mobile Deposit History” link on the Online Activity page.
A: Yes, within the Check Deposit “Activity” screen within the app or “Mobile Deposit History” link on the Account History page within our Online Banking website.
A: Login, tap Menu, then tap “Deposit Check” under Transactions.
A:

  • Make sure the check (or checks) does not exceed the $5000.00 daily limit;
  • Endorse the back of the check with your signature and write “Mobile Deposit” within the endorsement area;
  • Flatten the check onto a solid, level surface within a well-lit area;
  • Log in and select Deposit Check within the Transactions menu;
  • Select the deposit-to checking account from the list;
  • Enter the amount of the check in dollars and cents;
  • Take a picture of the front and back of the check with steady hands;
  • Review the pictures, if they appear blurry retake the photo;
  • Tap Submit; and
  • Store the original paper check(s) in a secure location for at least seven days, but not longer than 35 days. Please see our Mobile Device Services Agreement, 2.4 Check Retention & Destruction section for detailed instructions.
A: Yes, and in addition to placing your signature on the back of the check in the endorsement area you MUST write "FOR MOBILE DEPOSIT TO CWCU".. This may later serve as a reminder that the check has already been deposited. (Please see the next question regarding storage of your original paper check.)
A: Yes! Make sure you store the original paper check(s) in a secure location for at least seven days, but not longer than 35 days. Please see our Mobile Device Services Agreement, 2.4 Check Retention & Destruction section for detailed instructions.
A: You can only deposit directly into your checking account(s). Once the deposit is posted to your checking account (and any held funds are released) you can use Funds Transfer to transfer the deposit to another account or make a loan payment.
A: Any mobile device that is compatible with our Mobile App and fitted with an auto focus camera.  This includes most Android smartphones and tablets and most iPhones, iPads and iPods.  See our website for Android and iOS required version numbers.
A: No updates are needed for Mobile Deposit, however it is a good idea to make sure our app is up-to-date. Access the app store on your device to verify there are no pending updates for our app. If needed, update our app to the current version.
A:

  • Any check prohibited by, or received in violation of any law, rule of regulation;
  • Any check known or suspected (or should have known or suspected) as fraudulent or otherwise authorized by the owner of the account on which the check is drawn;
  • Any check that has been previously cashed or deposited;
  • Any check post-dated or more than six (6) months old;
  • Any check payable to cash;
  • Any check irregular in any way;
  • Any check missing the signature of the person on whose account the check is drawn;
  • Any check drawn on financial institutions outside the United States;
  • Any check written in non-U.S. dollars; or
  • Money orders or government checks.
A: Most Deposit Error messages will provide specific instructions for you to correct the error, but in general follow these guidelines:

  • Make sure you endorse the back of the check with your signature and write “Mobile Deposit” within the endorsement area;
  • Flatten the check onto a solid, level surface within a well-lit area;
  • Currently our app does not activate the camera flash; however if you are not in a well-lit area, activate the “Flashlight” feature on your mobile device (if supported) before you take the picture;
  • Make sure you take a picture of the front and the back of the check;
  • Make sure you enter the amount of the check in dollars AND cents;
  • Hold your hands steady when you take the photo;
  • Review the pictures before you hit “Submit”, if they appear blurry or part of the check is cut off, simply retake the photo using the Retake Photo buttons; and
  • If you cannot get a clear picture, it is possible your mobile device may not be compatible with Mobile Deposit or there may be another problem. Please contact us and we will help you resolve the issue and if possible we will work to update our app to support your mobile device.
A: Currently our app does not activate the camera flash. If your mobile device has a “Flashlight” feature, active it before you take the picture. For best results, make sure you are in a well-lit area. You can also try taking the picture at a slight angle to reduce any shadow cast by your mobile device, make sure you are facing your light source.
A:

  • Flatten the check onto a solid, level surface within a well-lit area;
  • Currently our app does not activate the camera flash; however if you are not in a well-lit area, activate the “Flashlight” feature on your mobile device (if supported) before you take the picture;
  • Hold your hands steady when you take the photo;
  • If you cannot get a clear picture, it is possible your mobile device may not be compatible with Mobile Deposit or there may be another problem. Please contact us and we will help you resolve the issue and if possible we will work to update our app to support your mobile device.

For full details on your rights and responsibilities using this service, be sure to review the Mobile Deposit Services Agreement