Mobile Deposit

• You must be 18 years or older with an open and active account
• You must be enrolled in Consumer Online Banking
• You must have successfully installed the FFCU Mobile Banking App

If you meet these qualifications, you are probably already pre-enrolled. If not, please contact the credit union as additional qualifications may apply.

A 3 megapixel or higher camera is recommended.

Phone Make
Model
Operating System

Apple
iPhone 3GS, 4, 4S, 5, 5c, 5s
5.1+

Android-based
All models with a 2+ Mp auto-focus camera
2.2+

Yes. All Mobile Deposit transactions are completed using the highest encryption tools available.

All check images are stored on a secure server, never on the phone! As soon as the app is closed on the phone, images are deleted.

No. However, accounts are still subject to fees as disclosed on the Rates and Fee Schedule.

No. Your deposit will have a hold until at least the next business day and will be reviewed and verified by the Credit Union. Refer to the Mobile Deposit Service Agreement for details.

You should mark them as being electronically deposited (to prevent mistakenly re-depositing the checks) and store them securely for 7 days. After that, the checks should be shredded and disposed of properly to prevent misuse.

You can deposit to your regular savings, checking, Money Market savings, and Money Market checking accounts. You cannot deposit to sub accounts or loan accounts.

For a minimum of the first 30 days of a member’s mobile deposit use, a member’s deposit will have a hold until at least the next business day when it can be reviewed. After the first 30 days, the first two deposits of a day totaling less than $500 will be made available. A hold will be set on items (single or in the aggregate) deposited in a day for more than $500 and/or deposits exceeding 2 until at least the next business day when the deposit item is reviewed.

Your deposits cannot exceed $25,000.00 in a 30 day period.

There is no minimum limit on the amount you can deposit. However, if your check is for less than $1.00, you will need to enter the amount with a zero in the dollar field (Example: 0.50 instead of .50).

Yes, checks still require a proper endorsement on the back of the check. Checks not properly endorsed may be rejected.

No, the following checks may not be processed:

• Third party checks – all checks must be payable to you or a signer on the account.
• Post or stale dated checks
• Money orders
• Pre-authorized drafts
• Substitute checks
• Savings bonds
• Checks that have been altered
• Checks not payable through a financial institution located in the United States

• Make sure there is good lighting where you take the photo of your check and make sure your camera lens is clean.
• Place the check on a dark surface.
• Make sure the check is clearly visible – no other objects interfere and all 4 corners of the check are evident.
• Be sure your camera has a chance to focus on the image – being too close may make the check image blurry.