Mobile Check Deposit

What is Mobile Check Deposit (MCD)?

With our WCCU App you can simply take a picture of the check and deposit it into your account. Simply log into the mobile app on your iPhone or Android device and make deposits into your account.(You must be enrolled in WCCU online banking service.  Need to enroll?  Visit our website or simply download  the WCCU Mobile App. (FREE Download available at the App Store and Google Play).

Due to a change in regulation, all checks deposited through WCCU Mobile Deposit must be endorsed with the following words:

For Mobile Deposit at WCCU Only

If you do not use this form of endorsement, the check may be rejected. The endorsement would need to be corrected and the check re-deposited.

You will receive an email to confirm your check was submitted. If your check is rejected, an additional email will be sent to notify you.

We recommend holding on to the check, or a sufficient copy of the front and back of it, for 60 days in the event of a deposit dispute. After that, we encourage you to shred the check.

Only single-party domestic checks made payable to the owner(s) of the account may be deposited.
The following is a list of unacceptable items that may not be deposited using Remote Deposit:

  • Checks written off a WCCU account or another financial made payable to the same member (a member cannot use MCD to deposit a check written to themselves).
  • Third Party Checks (checks payable to someone else, endorsed and signed over to you).
  • Returned Checks – Any check that you deposited that is returned to us not payable as a result of insufficient funds, stop payment, or other related reasons.
  • Altered Checks – Any check that contains evidence of a change (correction fluid, crossed out amounts, etc.) to information on the face of the check.
  • Foreign Checks – Any check that is issued to you and drawn on a financial institution in another country (Canada, France, etc.)
  • Stale Dated Checks – certain checks contain instructions such as: “Void 90 days after issue date”. If no instructions are contained, then the check is stale 6 months after the issue date.

There is no limit on the number of checks deposited, however, the maximum allowable amount per day is $10,000

The total amount of deposits made (less any holds that apply according to the Funds Availability Policy, up to your available deposit limit), will be credited to your account.

  • On normal business days, checks deposited by 9:30 am will be available by 10:30 am and deposits made by 3:00 pm will be available by 5:00 pm.
  • Any deposits made on a weekend or after 3:00 pm will be credited on the next normal business day at 10:30 am.
  • Members should hold on to their checks for 10 days after they make a remote deposit.
  • All funds may not be immediately available after the deposit is made.

When taking the check image:

  • Use in a well-lit area, free of any clutter, to prevent shadows or poor image quality.
  • Keep hands clear of the check while taking the images to avoid pictures of fingers/hands.
  • Bright but indirect light is best. Placing the check too close to lighting sources may cause shadows.
  • Any surface of a solid color that contrasts with the check is best. Use a dark-color surface for light checks; a light-color surface for dark checks

After taking the check image, ensure the following:

  • The front and back images show the entire check. There should be nothing else in the images.
  • The payee name, dollar amount, date, MICR data (the characters at the bottom of the check) and other details are clearly legible on the front check image.
  • The back check image must have an endorsement (signature) that is clearly visible.

If you have additional questions, please contact any of our offices and we will be happy to assist you.