Support Topics
Mobile Deposit
Popular Questions
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Mobile Deposit was made to help you make your mobile checks quickly and easily. Here are some quick tips and tricks to make sure your deposits are done in a snap!
- Endorsement
Make sure you endorse the back of your Mobile Deposit checks. Digital deposits must be signed before acceptance. - “For mobile deposit only”
Make sure you write “For mobile deposit only” in the endorsement area of your check. Due to an amendment to “Regulation CC” passed by the Federal Reserve, all checks deposited through Mobile Deposit must contain this phrase or they may be rejected. The measure is intended to protect users from mobile check fraud. - Deposit “Accepted” vs. “Held for Review”
Watch for the message at the end of your Mobile Deposit session to see if your check was immediately accepted or held for review. Mobile Deposit uses sensitive image recognition software, and anytime it detects the slightest irregularity, it sends the image to be reviewed by a Unitus employee. - Deposit Verification
If your deposit is immediately accepted, your balance will update within minutes. If it is held for review, Unitus will verify the image and notify you by email within one business day whether the deposit has been accepted or whether the deposit should be resubmitted. If you wish to check your new balance via the Unitus mobile app, log out and log back into your account. - Contact Email
Notifications are sent to the prime email address for your account. Please make sure we have up-to-date contact info so we can communicate. - File Your Checks
When you’ve made a deposit via Mobile Deposit, file the check for 30 days for record-keeping purposes, and then you may shred it. To keep your records in order, we suggest writing the reference number on the item once you complete your Mobile Deposit session.
Remember, Mobile Deposit is a free service for members. Keep snapping those checks, and save yourself the time and hassle of making a special trip to the branch!
- Endorsement
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- Log in to the Unitus app on your mobile device
- Tap “Mobile Deposit” in the main menu
- Tap “Deposit” on the popup
- Tap “Deposit To:” and select the account into which funds should be deposited
- Enter the total value of your check
- Make sure your check is endorsed and you have written the phrase “For mobile deposit only” in the endorsement area
- Tap Front “Capture Check Image”
- Place the check on a well-lit, dark-colored surface
- Center the check in the viewfinder’s green rectangle
- Tap the screen to capture the image
- Do not use your device’s camera button. Use the camera icon on the Mobile Deposit screen
- Tap Back “Capture Check Image” and repeat the steps you used to capture the front of the check
- Once a mobile deposit has been captured, the app will indicate whether your deposit has been accepted or held for review.*
- If the app indicates that your deposit has been accepted, you’re all done! After you complete a mobile deposit, keep the check for reference for at least 30 days. Note the date of the deposit and that it was deposited via Mobile Deposit.
- If the app indicates that your deposit has been held for review, you will receive an email by the end of the business day** indicating that the deposit was successful or that further action is required. After you complete a mobile deposit, keep the check for reference for at least 30 days. Note the date of the deposit and that it was deposited via Mobile Deposit.
- If you receive further instructions, follow them as appropriate to complete your deposit.
Mobile Deposit is only available on mobile devices.
*The first few deposits made using the Mobile Deposit service are automatically held for review.
**Monday-Friday 9:00 a.m. – 6:00 p.m. (Pacific), except federal holidays
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Getting started with Unitus Mobile Deposit is easy. Mobile Deposit is available via the Unitus mobile apps for iOS and Android. If you already have the mobile banking app, just sign in and tap the Mobile Deposit button to get started. If you haven’t downloaded it yet, navigate to the App Store on iOS or Google Play on Android, and download the app.
Mobile Deposit is only available on mobile devices.
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Mobile Deposit is free for members who are enrolled in eStatements. See our fee schedule for details. Access to this service is subject to credit union approval. Mobile Deposit End User License (.PDF)
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After clicking on the Mobile Deposit icon you will receive the Mobile Deposit Disclosure and can either ‘Accept’ or ‘Decline’ the agreement.
If you choose to decline the agreement, you will not be able to utilize the Mobile Deposit feature.
If you accept the agreement, the next screen that displays will allow you to enter the amount of the check you’d like to deposit as well as the account you want to deposit the funds into. Please follow the steps below to submit your Mobile Deposit deposit:
iPhones users with App version 3011.1 and above
- Enter the amount of the check you’re depositing.
- The account the funds will be deposited into is directly below the check amount. Tap on the ‘Depositing to Unitus ***’ field if you’d like to change the account.
- Tap on the account you want to deposit the funds into.
- Tap ‘Scan Check >’ at bottom of screen.
- The ‘Prepare the front of the check’ screen will appear with instructions to ensure a successful Mobile Deposit submission.
- Tap ‘Continue’ in bottom right hand side of screen to take a photo of the front of your check.
- When the front of your check is in focus/alignment tap the screen to capture image.
- If the image is clear and the entire check has been captured, tap ‘Done’ in the bottom right corner.
- Next, the ‘Prepare the back of the check’ screen will appear with steps required to ensure your check is ready for submission. Note: Make sure you sign your name and print words ‘for mobile deposit only’ first.
- Tap ‘Continue’ in bottom right hand side of screen to take a photo of the back of your check.
- When the back of your check is in focus/alignment tap the screen to capture image.
- If the image is clear and the entire check has been captured, tap ‘Done’ in bottom right corner.
- Confirmation message will appear indicating your submission was successful. Note: This does not necessarily mean that the funds have been released please wait for email confirmation outlining the results of your deposit. Please see FAQ below for additional details regarding the potential outcome of your deposit.
Android users or iPhone users with App version 3011.0 or prior
- Select the account you want to deposit funds into from the Deposit Account drop down menu.
- Enter the amount of the check you’re depositing.
- Tap ‘Check Front’ to take a photo of the front of the check your depositing.
- The ‘Prepare the front of the check’ screen will appear with instructions to ensure a successful Mobile Deposit submission.
- Tap ‘Continue’ in bottom right hand side of screen to take a photo of the front of your check.
- When the front of your check is in focus and alignment with the view finder a message will appear stating “hold steady” and the photo will be automatically taken.
- You’ll be taken back to original Mobile Deposit screen where the image of the front of the check will display.
- Next, tap on the ‘Check Back’ box to take a photo of the back of the check.
- The ‘Prepare the back of the check’ screen will appear with steps required to ensure your check is ready for submission. Note: Make sure you sign your name and print words ‘for mobile deposit only’ first.
- When the back of your check is in focus and alignment with the view finder a message will appear stating “hold steady” and the photo will be automatically taken.
- You’ll be taken back to original Mobile Deposit screen where both the front and back check images will display.
- Tap on ‘Deposit Check’ button once you’ve confirmed all details are accurate.
- Confirmation message will appear indicating your submission was successful. Note: This does not necessarily mean that the funds have been released please wait for email confirmation outlining the results of your deposit.
Mobile Deposit is only available on mobile devices.
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Our policy is to make funds from your check deposits available to you on the business day that we receive your deposit. Check holds are placed on a case-by-case basis. The first few deposits made using Mobile Deposit are automatically held for review.
If a hold is necessary, funds will generally be available no later than the seventh business day after the day of your deposit. The first $200 of your deposit, however, may be available on the first business day.
Funds from any deposit (cash or checks) made at automated teller machines (ATMs) we do not own or operate may not be available until the fifth business day after the day of your deposit.
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This depends on whether your logged into a desktop computer or the type of device and the Unitus App version you are using. Please follow the instructions below to find out how you can access your mobile deposit history in uOnline:
Desktop Users:
- Log in to Digital Banking
- Click on account you deposited the check(s) into via Mobile Deposit
- Click in search field and type “Mobile Deposit”
- List of all mobile deposits will display. Note: additional details such as status and check images are not available via desktop.
iPhone Users with App version 3011.1 and above:
- Log into Unitus mobile app
- Select the account you deposited the check(s) into via Mobile Deposit
- Pull down transaction list with your finger
- Tap the icon of three lines to the right of the ‘Search’ field
- Select ‘Checks Deposited Remotely’
- List of all mobile deposits will display
- Select specific deposit to view additional details such as status and for check images
Android Users or iPhone users with App version 3011.0 or prior:
- Log into Unitus mobile app
- Navigate to Mobile Deposit feature
- Select ‘History’ tab
- All Mobile Deposit submissions will display
- Select specific deposit to view additional details such as status and for check images
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After you complete a mobile deposit, keep the check for reference for at least 30 days. Note the date of the deposit and that it was deposited via mobile deposit.
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System requirements for MobileDeposit are:
The App Store (iOS):
- iOS version 8 or greater
- iPhone 4s or newer
- iPod Touch 4th generation or newer
- iPad 2 or newer and iPad mini
Google Play (Android):
- Android 4 OS
- Android tablets
- No “Small Screen” support (all but ‘QVGA’ 240w x 320h are supported)
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There are two possible reasons why your balance may not reflect the amount deposited via mobile deposit after submitting your deposit.
- If your mobile deposit was accepted and processed, it can take up to 10 minutes for Digital Banking to update the new balance in your account.
- Still not seeing your check in your transaction history? That likely means we are reviewing the check. Not to worry – sometimes the image is a little blurry, or some of the text didn’t come through clearly. Our team members monitor deposits throughout the day to help you resolve your check and clear the funds as quickly as possible. You’ll get a notification from us soon letting you know whether it has been approved upon review. If it was still not approved, you’ll get a notification telling you exactly why and what to do next.
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iPhone Users with App version 3011.1 and above:
- Log into Unitus mobile app
- Mobile Deposit can be found at the bottom of your screen in the navigation bar
- After accepting the Mobile Deposit disclosure you will be brought to the main Mobile Deposit screen
Android Users or iPhone users with App version 3011.0 or prior:
- Log into Unitus mobile app
- Click on the hamburger menu in the top left corner
- Select Mobile Deposit from menu list
- After accepting the Mobile Deposit disclosure you will be brought to the main Mobile Deposit screen
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All Members are automatically enrolled in Mobile Deposit alerts which are sent to the email address we have on file for you in Digital Banking. If you prefer to receive these alerts by text or via push, you can update the delivery method. Alerts can be modified while logged in via desktop or through the mobile App. Follow the steps below to update your delivery method for Mobile Deposit alerts in Digital Banking:
- Log in to Digital Banking or Unitus mobile app
- Click on the Settings icon
- Click on Notifications tab
- Click on the Settings icon next the ‘Remote Deposit Completed’ alert in the Mobile Deposit section.
- You will need to select ‘Change’ next to the Delivery Methods field first if you’re using your mobile device. If you’re using a desktop device, skip to step 6.
- Select mobile and/or push delivery option. You can elect to have alerts sent to you by more than one method if you prefer.
- Click ‘Save Changes’ once finished.
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