With mobile deposits from Virginia Credit Union, you can snap a pic, make a deposit and save yourself a trip to the branch or the mailbox.
To get started, download our free mobile banking app from the Apple App Store℠ or Google Play™. Using the camera on your device,1 simply take a photo of your check and upload it. Our mobile deposits are free,2 safe, secure and available 24/7—so you can take control of your finances any time, any place.
Your check information will be securely transmitted to VACU for deposit. Mobile Deposits are typically posted to your account on the first business day after the day your mobile deposit is received. Processing occurs twice daily, after 9 AM and after 3 PM on business days.
Please do not discard or void the original check for 30 days or until the deposit appears on your monthly statement.4
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.
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.
In order to use Mobile Deposit you must:
First, make sure you’re enrolled in Online Banking.
Only one check at a time is accepted, however you may deposit multiple checks during a single session.
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.
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.
The quickest way to verify your deposit is to go into Online Banking or Mobile Banking and see the deposit credited to your account.
With Mobile Deposit, you can deposit a check written for any amount up to $2,500 and you can deposit up to $3,000 per 7 days.
Please visit a VACU branch or Envelope-Free ATM to deposit checks written for an amount over $2,500 or to deposit more than $3,000 within 7 days.
Only single-party domestic checks made 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:
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.
You may deposit funds to any of your VACU checking, savings or Money Market accounts.
Please double check the following:
If the check continues to be rejected, bring it to a VACU branch or Envelope-Free ATM or mail it to us for deposit.