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Business Mobile Banking

Mobile Deposit

  • What is Mobile Deposit and how does it work?

    Community First Mobile Deposit, allows you to electronically deposit checks from an iPhone® or AndroidTM device that has a camera. Making a mobile deposit is as simple as taking a photo, just download the app for your mobile phone and snap a photo of the front and back of your endorsed check.


  • How do I enroll in Mobile Deposit?

    To enroll in Community First Mobile Deposit, visit our Mobile Deposit Enrollment page here.


  • Are there fees associated with Mobile Deposit?

    Community First Mobile Deposit is a free service to eligible Community First Credit Union members. Wireless carrier data rates may apply. Contact your wireless carrier for details.


  • How secure is Mobile Deposit?

    Community First Mobile Deposit is very secure. It features multiple layers of security including password protection and the SSL (Secure Sockets Layer) communications protocol, which employs state-of-the-art 256-bit encryption. This is the normal connection type used by any secure communications between computers and browsers, such as online banking. This prevents third parties from intercepting communications between the phone and the server without their knowledge.


  • What types of phones is Mobile Deposit available for?

    • iPhone 3G or 4G with version 4.1 operating system
    • Android phones with version 2.1.1 operating system and 2.0 megapixel cameras

  • What types of checks can be deposited through Mobile Deposit?

    All personal and business U.S. checks can be processed through Mobile Capture. Checks from Canada and other foreign countries, savings bonds and poor image quality checks must be deposited traditionally.


  • What are the deposit and transaction limits?

    3 items or $1,500 per day (single and aggregate) and 15 items or $4,500 per month.


  • When will my deposit be processed? Will checks deposited through Mobile Deposit be placed on hold?

    Deposits made before 2:00 p.m. (Eastern Time) will be processed the same business day. Deposits made after 2:00 p.m. (Eastern Time), or on weekends or holidays, will be processed the next business day. We will generally make the first $200 of a day’s total deposits available by the first (1st) business day after the day of your deposit and the remainder available by the second (2nd) business day after the day of your deposit. We reserve the right to delay availability up to 60 days from the date we receive payment for Items transmitted through Mobile Deposit.


  • How should a check being deposited through Mobile Deposit be endorsed?

    The endorsement line must read “For eDeposit Only”. If a check is improperly endorsed it will be subject to return and your deposit not processed.


  • How long should I retain my original check? What happens if I discard the check and an issue arises?

    For your protection, retain the original check for at least two business days AFTER receiving confirmation that it has posted to your account. When you are ready to discard it, mark it "VOID" and dispose of it in a way that prevents it from being presented for payment again. If an issue should arise and the original check is no longer available, please contact the issuer of the check to obtain a new copy that can be re-submitted for deposit.


  • If my mobile deposit does not post to my account, how will I know if the deposit was rejected?

    To check the status of your deposit, when logged into the App on your mobile device, select the “Review” button and the select the deposit you would like to review. If rejected, the deposit will display a red X next to the deposit. The check will need to be brought into the branch for review.


  • How do I prevent checks from being scanned and deposited twice?

    The software has built-in duplicate detection tools that detect items already captured. If the software detects potential duplicate checks, an alert prompts you to make a decision about the items in question. Still, it is recommended that you write “VOID” on the check after the deposit is posted.


  • Any tips for taking good check photos?

    Taking high quality photos of the check is the best way to make Community First Mobile Deposit quick and easy. Here are some hints to keep in mind:

    • Good lighting
    • Dark background
    • Only check visible in the view screen, no other objects or edges
    • Check needs to be entirely in the frame
    • Focus is important. Shaking hands or being too close can make the image blurry

  • How do I know the image quality is acceptable?

    The software has an Image Quality Assessment (IQA) tool that automatically identifies checks with missing or unreadable fields.


  • When registering for Mobile Deposit on joint accounts, whose information do I use, primary or joint?

    When registering for Mobile Deposit, the personal information requested is that of the primary account holder. When entering your name into the enrollment screens, you should only capitalize the first letter of your first name and last name (example: Jane McSmith should be entered into the enrollment screen as Jane Mcsmith). If your last name is hyphenated, the first letter of each last name is capitalized (i.e. Jane Smith-Davis would be entered as Jane Smith-Davis). Also, if you have two last names, the first letter of each last name is capitalized (i.e. Jane Van Dyke would be entered as Jane Van Dyke).


  • If I am having trouble registering for Mobile Deposit, what should I do?

    If you are having trouble registering for Community First Mobile Deposit, first verify that you meet the eligibility requirements and if further assistance is needed, please visit any branch location or contact Member Services at 904.354.8537 or 800.342.8416.


  • What steps do I follow if I have forgotten my password for the Mobile Deposit App?

    If you have forgotten your Community First Mobile Deposit password, please visit a branch location or contact Member Services at 904.354.8537 or 800.342.8416 to reset your password. You will receive a temporary password to your email address on file and then you can visit our Mobile Deposit website to create a new password. 


  • Who is eligible for Mobile Deposit?

    To be eligible for Community First Mobile Deposit, you will need to be an active Mobile Banking user with a valid email address on file and a savings and checking account with Community First.