Skip to main content
Online Banking

Mobile Check Deposit User Guide

 

Mobile Check Deposit is a service that CCU offers to qualifying Members that allows you to deposit a check into your CCU share accounts using your mobile device, via CCU’s Mobile Application.

To use Mobile Check Deposit, download the Consumers Credit Union app on your iOS or Android device and login to your account using your Online Banking User ID and Password. 

When wanting to make a Mobile Check Deposit, select Deposit a Check from the Main Menu.

 

Screen capture showing mobile menu with deposit a check highlighted

The next screen details an important restrictive endorsement reminder.

When making a deposit via Mobile Check Deposit, 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 Mobile Check Deposit to proceed.

Screen capture showing check deposit information

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

Enter the amount of the check. The daily limit for Mobile Check 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.

Mobile Check Deposit

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.

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

Screen capture showing mobile menu with deposit a check highlighted

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 Mobile Check 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 of mobile check deposit error message

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 Mobile Check Deposit. Then try to process the Mobile Check Deposit again.

If these errors continue, contact CCU for assistance.