Mobile Deposit FAQ
Q: May I enroll more than one account for Mobile Deposit?
A: Yes. You can manage which accounts are available for Mobile Deposit by accessing the "Mobile" section while logged into Online Banking.
Q: How should I endorse my check before taking a picture?
A: Sign your checks as you normally would and include the words “For Mobile Deposit Only” underneath. By adding "For Mobile Deposit Only" you avoid additional processing delays.
Q: Will there be a hold placed on my checks?
A: Checks submitted through Mobile Deposit will be subject to USCCU’s funds availability policy.
Q: What type of checks can I deposit with Mobile Deposit?
A: Checks made payable to you and drawn on a bank within the United States can be deposited through Mobile Deposit. Some business size checks (the long ones) do not work with Mobile Deposit.
The following examples are types of checks or items which cannot be deposited through Mobile Deposit:
- Money orders
- Travelers checks
- Savings bonds
- Foreign checks (not drawn on a U.S. bank) or checks not payable in U.S. currency
- Checks payable to you and another party, unless deposited into a Mobile Deposit account in the name of all payees
- Checks payable to any person other than you (the account owner/joint owner)
- Checks that have been altered
- Official/Cashier’s Checks
- Checks prohibited in violation of any law, rule or regulation
- Checks you know or suspect, or should know or suspect, is fraudulent or otherwise not authorized by the owner of the account on which the Check is drawn
- Checks that have been previously endorsed by a bank and are either "substitute checks" (as defined in Reg CC or other applicable federal law or regulation) or "image replacement documents" that purport to be substitute check
- Checks drawn on financial institutions that are located outside of the United States or Territories of the United States
- Checks which are not acceptable to us for deposit into a deposit account as provided in the Membership and Account Agreement, which is incorporated by reference and made a part here of
- Checks that are remotely created checks, as defined in Reg CC
- Checks dated more than 6 months prior to the date of deposit
- Checks or items prohibited by Credit Union's current procedures relating to the services or which are otherwise not acceptable under the terms of your Credit Union account
- Checks payable on sight or payable through Drafts, as defined in Reg CC.
- Checks with any endorsement on the back other than that specified in this agreement
- Checks that are prohibited by the Credit Union's current Membership Agreement with you
- Checks that are credit card advanceor other loan advance instruments
- Any check requiring signature and/or additional identification
- Tax refund checks
- Checks that require an additional verification code to be written on the check
- Checks that cannot be converted to ACH
For more information please review US Community Credit Union’s Mobile Deposit Terms and Conditions found at www.usccu.org.
Q: When will funds be made available to me from deposits made by Mobile Deposit?
A: Mobile Deposits will generally be made available to you by the end of the next business day following the deposit date. Business day is every Monday through Friday, excluding federal holidays.
Q: Are there limits for deposits made through Mobile Deposit?
A: Mobile Deposit limits are:
Consumer and Commercial Deposits
- $2,500 per day deposit limit
- No limit on check deposits per day
- No per month deposit limit
These limits are based upon several criteria, including how long you’ve had an account with USCCU and your relationship with the credit union. All limits are subject to change. If you would like to request an increase in your daily deposit limit; please call 615-256-8712.
Q: What do I do with the check after I deposit it through Mobile Deposit?
A: In case the actual check is needed to resolve any claims and aid in the clearing and collection process, you should retain the check for at least 90 calendar days after the date of the image transmission. After that 90-day period, you should destroy or properly dispose of the check.
Q: Are there any fees associated with using Mobile Deposit?
A: Currently, there is no fee or charge assessed to enroll in or use the Mobile Deposit service. We may assess fees or charges in the future, and you will receive notice of such fees or charges. Any fees associated with your account(s) will continue to apply. You may, however, incur charges to receive Internet service on your mobile device. You may also incur charges from your wireless carrier when sending and receiving text messages. You will be solely responsible to your wireless carrier for any such Internet or text messaging charges.
Q: Are there any helpful hints to make using Mobile Deposit more efficient?
A: Try these hints:
* Make sure that the check amount entered matches the amount written.
* Verify that the back of your check is endorsed.
* Flatten folded or crumpled checks before taking your photos.
* Keep the check within the on-screen corners when capturing your photo.
* Capture the photos in a well-lit area.
* Place the check on a solid dark background before taking photo.
* Keep the phone flat and steady above the check when taking your photo.
* Make sure the entire check image is visible and in focus before submitting your mobile deposit.