Mobile Deposit FAQs

Who is eligible to use Mobile Deposit?
Mobile deposit is now available to both Regular and Youth Savings and Checking account holders.

 

What accounts can I deposit to?
You can deposit to any regular or youth savings and checking accounts on which you are a primary or joint owner.

 

What is the maximum amount I can deposit?
$3000 per day

 
Do I endorse the back of the check?
Yes. Endorse the back of each check to include “For Mobile Deposit Only”.
 
 
Can I scan more than 1 check at a time?
No, only one check, per scan (front and back of check will be scanned).
 
 
What is the minimum amount I can deposit?
There is no minimum amount to use the service.
 
 
Is there a fee to use Mobile Deposit?
There is no fee to download the app from the Apple App Store or Google Play Store. There are no fees to deposit checks.
 
 
When is the money I deposit available for my use?
Deposits submitted before 2:30 pm C.S.T M-F, excluding holidays, will post on the same day. Deposits received after 2:30 pm C.S.T. M-F will be posted the following business day. All checks are subject to review and funds from items deposited will be available in accordance with TXDPSCU’s Funds Availability Policy.
 
 
Will I get an email once the deposit is cleared?
No. If you have a valid email address in our system, you will only receive an email if the deposit was rejected. You can log into your app and review your account to see if the item has cleared.
 
 
What happens if a check I deposited and receive credit for is returned for insufficient funds?
The amount will be reversed from your account and you will be charged a regular return item fee. See Fee Schedule.
 
 
What items can I NOT deposit through Mobile Deposit?
1. Any item that is stamped with a “non-negotiable” watermark 
2. Any item that contains evidence of alteration to the information originally contained on the check
3. Any foreign item, money order, or insurance check
4. Any item that is “stale dated” or “postdated”
5. Any third party check, i.e. any item that is made payable to another party and then endorsed to you by such party
 
 
What do I do with the check after I have scanned it?
After scanning the check and you verified that a credit is posted to your account, you are to secure the check in a safe place for 60 days. After 60 days you should properly destroy the check.
 
 
What do I do if I find an error in my deposit transaction?
Contact the Credit Union, M-F, 8:30am-5:30pm C.S.T at 1-877-252-9199.

 

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