In a world where you can order almost anything using your mobile phone, it makes sense that US Community Credit Union offers mobile banking services for our members. You can now check your account balance and transfer funds between accounts, all from the comfort of your home.

One of the most convenient features we offer through our mobile banking service is USCCU’s Mobile Deposit Capture. All it takes to deposit a check is a few minutes of your time and a phone with internet access.

Let’s take a closer look.

What is Mobile Deposit Capture?

It is a way for you to deposit a check into your USCCU Checking Account from a distant location using a mobile device with internet access. You can be practically anywhere in the world and make your deposit at any time.

Forgot to deposit your birthday check from Aunt Gail? No problem. Unable to get out of the office early to run through the drive-thru? Mobile deposit capture has you covered.

The process is simple: Sign into your USCCU mobile account and prepare your check for deposit by endorsing the back and including the words “For Mobile Deposit Only” underneath. Tap on the Deposit icon and the app will guide you through snapping a picture of both the front and the back of the check. You’ll also be asked to verify the check amount. Once you’ve made the confirmation, your check will be submitted for deposit into your account.

It really is that easy.

The Benefits of Remote Deposit Capture

  1. Convenience. Deposit your check anywhere, and at any time. On the west coast? Easy! In your own home? Done! As long as you have access to an internet connection and can take a photo of your check, you’re set to use mobile deposit capture.
  2. Speed. Your check will generally clear more quickly through a mobile deposit than it will through an ATM deposit.
  3. Accuracy. You’ll be asked to confirm the check amount for accuracy. If USCCU finds an error with the check or the picture quality isn’t allowing US to process the check, you’ll still have the physical check. You’ll be able to resubmit for mobile deposit capture, or visit any one of USCCU’s 5 branch locations for deposit.

Some facts you may not know about remote check capture

  1. Deposit limits. For your safety, there is a $2,500 per day deposit limit for consumer and commercial deposits. There are, however, no limits on the number of check deposits per day or month.
  2. Bounced checks. Just like a confirmed check deposit can end up bouncing several days later, if we cannot collect the funds, a mobile deposit can also be returned for the same reasons.
  3. Holds on checks. Checks submitted through Mobile Deposit will be subject to USCCU’s funds availability policy. Any checks deposited after our evening cutoff of 4pm will be processed the next business day.
  4. Retain the check. In the 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.

Is Mobile Deposit Capture safe?

We take many precautions for ensuring your personal information is protected throughout the mobile deposit capture process.

First, no one can sign into your USCCU mobile account without two-factor authentication.

Always use strong, unique passwords.

Second, our mobile app does not store your check images in your phone. Once your check has been submitted, the image is erased from your phone and stored only in our own software.

Finally, if an error occurs, you’ll always have the physical check to deposit if necessary.

US Community Credit Union’s mobile deposit capture is quick, easy and safe. Try it today!