Mobile Check Deposit
Depositing a check is a breeze with your mobile phone and the Community Focus FCU mobile app. Download the Community Focus FCU mobile app and deposit checks into your account without ever visiting a branch. Simply log into the secure app, select your check, snap a photo and send your deposit - that's it!
- Allows you to deposit checks anytime, anywhere
- Secure log-in process
- A green deposit solution
- Helps save you time
Mobile Check Deposit FAQs
Yes. Each mobile check deposit is limited to $5,000 per check and the total daily limit is $10,000 per business day per eligible account. Each mobile check deposit will count toward the limit for the business day on which the mobile deposit is received.
Mobile Check Deposit saves you a trip to the branch or ATM by allowing you to deposit checks with your phone, even after hours, simply by taking a picture! It's easy, safe and the most convenient way to deposit checks. With Mobile Check Deposit, you can make a deposit anytime, anywhere!
To make a mobile check deposit please follow these steps:
• Log into Community Focus FCU Mobile Banking app and select Mobile Deposit from the menu
• Select the Checking account
• Enter the amount of the check
• Tap “Capture Front” to take a picture of the front of the check
• Then, tap “Capture Back” to take a picture of the back of the check
• Verify your deposit information and scroll down to submit the deposit
You must first download our Mobile App on your Compatible Mobile Device in order to access the Service. You must have at least one account with us that is eligible for the Service.
To qualify for the Service, you must meet eligibility criteria as dictated by us including, but not limited to, the following:
- You must be 18 years of age or older
- Your account must be in good standing
Yes. You access Mobile Check Deposit through Community Focus FCU’s Mobile Banking app, which uses encryption similar to Online Banking to keep your information secure and confidential. Community Focus FCU’s Mobile Banking applications do not store any confidential information on your phone.
If your deposits will generally be available to you within the two business days. All deposits are subject to review and funds from your deposit may not be available for immediate withdrawal. Please refer to our Funds Availability Policy.
You can use Mobile Check Deposit 24 a day, including weekends and holidays.
You can deposit as many checks as you’d like up to the daily deposit limit, which is an aggregate of $10,000. However, you can only deposit one check at a time. The maximum amount of one check deposited may not exceed $5,000.
Any check deposited through Mobile Check Deposit will follow the same procedure for fraud as those that were deposited via a teller or ATM.
Yes. Please see our Mobile Check Deposit Terms and Conditions for details on check holds which is found on our Disclosures and Fees page.
The 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.
No. The photo of your Mobile Check Deposit will not be stored on your mobile device.
Yes. Please endorse all checks with your signature and print “For Mobile Check Deposit Only” on all checks.
No. You can only make deposits of eligible items to those accounts that you have access to through your normal online/mobile banking site.
The Mobile Check Deposit has a built-in duplicate detection system and will notify you if the same check is entered twice.
We ask that you retain the check in a secure location for 60 days. In the event that the image of your check cannot be processed, we may ask for the original item. After 60 days, the original check should be shredded. Do not attempt to re-deposit successful items.
No. Please contact our Member Service Center immediately at 800.526.7328 to report any errors or discrepancies.
Mobile Check Deposit works on most iPhone® and Android™ phones, but not every mobile device supports the feature. A device’s operating system and capabilities affect the overall user experience. Mobile devices must meet the following requirements:
- iOS devices with a camera and operating system version 5.1 or newer (including iPods and iPhones)
- iPads from generation 3 and above
- Android devices with a camera and operating system version 2, 3, 4 and newer
*To be eligible for Mobile Deposit, you must be at least 18 years of age and have a checking account with a positive balance. Please call us at 800.526.7328 for details.Go to main navigation