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eXpressShot User Guide

eXpressShot is a service that CCU offers to qualifying Members that allows you to deposit a check into your CCU share accounts using your smartphone via CCU’s Mobile Application.

The qualifications to use eXpressShot are:

  • The Member must be over 18 years old.
  • The Member must have accepted the eDocument Disclosure.
  • The Member must have a minimum credit score of 500.

To use eXpressShot, download the Consumers Credit Union app on your iPhone or Android device and log into your account using your online banking User ID and Password. If your account has already been qualified for this service, you will see the eXpressShot option listed on the Main Menu of the app. If you do not see this option on the Main Menu and your account meets the qualifications listed above, please contact CCU at 877-275-2228.

When wanting to make an eXpressShot deposit, select eXpressShot from the Main Menu.

Screen capture showing the mobile application menu and showing where express shot is in that menu

The next screen details an important restrictive endorsement reminder.

When making a deposit via eXpressShot, the following must be included on the back of the check in the endorsement section:

  • "For Mobile Deposit Only CCU"
  • Signatures of all Payees
  • The CCU Account number the check is being deposited into

When these items have been included on the back of the check, select Click here to access eXpressShot to proceed.

Screen capture showing the reminder for using express shot and the button to access express shot

Select the share account you would like the check to be deposited to.

Enter the amount of the check. The daily limit for eXpressShot deposits is 5 checks or $5000.00, whichever limit is met first.

Once the amount is entered, select Click Here to Take Picture under “Front of Check Image”. Take a picture with your device of the front of the check. Ensure the image is clear and there are no shadows covering the check. Hold your hand steady when taking the picture and align the check to fit in the green outline. Placing the check on a darker background can help for image quality.

When you are satisfied with the quality of the picture of the front of the check, select Click Here to Take Picture under "Back of Check Image".

Once you are satisfied with both images, select Make Deposit.

Screen Capture showing the information about the check and the front and back pictures of the check

Once your image has been accepted, you will see the following message.

A transaction ID will be displayed as well as what to do with the check that has been deposited. Once processed, write in pencil, “deposited via mobile” and the date of deposit.

Screen capture showing the confirmation message after a check has been deposited

Store the check in a secure location for at least 30 days. Then verify the deposit and destroy the check.

Your deposit will be sent to CCU for review and processing. All items are reviewed and are subject to CCU’s Funds Availability Policy. Deposits made during non-business hours will be posted the following business day. You will receive a series of three emails once your eXpressShot deposit has been processed. The email will be sent to the email address CCU has on file for you.

If your image was not accepted, you will receive a message stating there was an error and to retake the picture of the front and back of the check.

Screen capture showing an error message about the check being deposited

If this error occurs, verify the lighting for the image, make sure the check is endorsed with the proper endorsement criteria listed above and that you have not previously deposited this check via eXpressShot. Then try to process the eXpressShot deposit again.

If these errors continue, contact CCU for assistance.