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Mobile Deposit FAQs


What is Mobile Deposit?

With VACU’s Mobile Deposit, you can electronically deposit checks with an iPhone or Android device that has a camera by using our Mobile Banking app. Simply snap photos of the front and back of your endorsed check to make deposits into your VACU account. Mobile Deposit is not available with first and second generation iPads.

How much does it cost to use Mobile Deposit?

VACU does not charge any fees for using Mobile Deposit. However, your mobile service provider may charge you for data plan usage, so check your plan before you start using the service.

Are there eligibility requirements to use this service?

In order to use Mobile Deposit you must:

  • Have an active VACU savings or checking account in good standing
  • Be a current Online Banking and Mobile Banking user

How do I get Mobile Deposit?

First, make sure you’re enrolled in Online Banking.

  • Visit the App Store™ or Google Play™ and download the VACU Mobile Banking App
  • Open up the app and activate your Mobile Banking access
  • Select the Mobile Deposit tab and follow the instructions

How many checks can I deposit using Mobile Deposit?

Only one check at a time is accepted, however you may deposit multiple checks during a single session.

Are deposits made using Mobile Deposit secure?

Yes. The link between your mobile device and our Mobile Deposit site are encrypted to industry standards. Your scanned check is secure and protected through this link.

When will my deposit be credited to my account?

If the deposit is accepted, funds are usually posted to your account the next business day. Please note that deposit amounts may be adjusted up to 2 business days after a deposit is made. Processing occurs twice daily, after 9 AM and after 3 PM on BUSINESS DAYS.

How will I know when my check has been deposited?

The quickest way to verify your deposit is to go into Online Banking or Mobile Banking and see the deposit credited to your account.

What is the maximum amount that I can deposit using Mobile Deposit?

With Mobile Deposit you can deposit a check written for any amount up to $2,500.

What should I do if I have a check for an amount that exceeds the limit?

Please visit a VACU branch or Envelope-Free ATM to deposit checks written for an amount over $2,500.

Are there any types of check that cannot be submitted using Mobile Deposit?

Only single-party domestic checks make payable to the owner of the account may be scanned for deposit with Mobile Deposit. The following items cannot be submitted for deposit with Mobile Deposit:

  • Checks payable to a business or estate
  • Items stamped with “non-negotiable”
  • Post-dated or stale-dated checks
  • Incomplete checks – checks missing any required information
  • Third party checks – checks payable to someone else, endorsed and signed over to you
  • Foreign checks – checks payable to you and drawn on a financial institution in another country
  • Altered checks – checks that contain evidence of alteration to information on the face
  • Checks purported to be a lottery or prize winning
  • VACU checks drawn on your account
  • Checks previously submitted for deposit

What should I do with my check after I have submitted it with Mobile Deposit?

After your check is scanned, please store your check in a safe place for 30 days or until the deposit appears on your monthly statement and then securely destroy it. Afterwards, please destroy the check or clearly mark it as "VOID" if you keep it for your records. Be sure the check is not rescanned or deposited elsewhere.

What types of accounts accept Mobile Deposit?

You may deposit funds to any of your VACU checking, savings or Money Market accounts.

What do I do if my check is rejected in Mobile Deposit?

Please double check the following:

  • Your check photos are clear and legible; be sure that there are no shadows on the check, the check is not excessively wrinkled, the image is not blurry from “camera shake” and the writing is contained within the relevant spaces on the check
  • You have positioned the check against a dark or contrasting background
  • The MICR line (the bottom part of the check that includes your account number and the bank routing number) is visible
  • The check number, payee, endorsement, numeric amount, written amount and MICR line are all readable
  • You have a strong signal; using a secure WiFi connection may improve your transmission success

If the check continues to be rejected, bring it to a VACU branch or Envelope-Free ATM or mail it to us for deposit.