What is Mobile Deposit and how does it work?
Community First Mobile Deposit, allows you to electronically deposit checks from an iPhone® or Android™ device that has a camera. Making a mobile deposit is as simple as taking a photo, just download our mobile banking app for your mobile phone and snap a photo of the front and back of your endorsed check.
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 should a check being deposited through Mobile Deposit be endorsed?
The endorsement line must be signed by the payee and "For Mobile Deposit Only" must be written below the payee signature on the back of the check. If a check is improperly endorsed it will be subject to return and your deposit may not be 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.
When will my deposit be processed? Will checks deposited through Mobile Deposit be placed on hold?
Deposit are made to your account in real time. 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.
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.
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.
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 checks can be deposited through Mobile Deposit?
All personal and business U.S. checks can be processed through Mobile Deposit. 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?
Deposit limits vary per account.