Most deposits are available on the same day. If it’s after hours, the weekend or a holiday, we will process your deposit the next business day.
All checks submitted through WCCU Mobile Deposit must be endorsed on the back of the check 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.
Open the WCCU Mobile App and log in. Look for the “Deposit Check” icon in your app.
Tap “Done” in the upper right corner once you’ve reviewed all the reminders for the Mobile Deposit Procedures.
Select your deposit account. Record the amount of the check. Tap “Check Front” when you are ready to take the photo of your check. Your device will automatically take the photo. See the tips below for advice if you are having trouble taking the photos. Tap “Check Back” to take the second photo, and then select “Deposit Check” to complete your Mobile Deposit.
When taking the check image:
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.
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.
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.
There is no limit on the number of checks deposited, however, the maximum allowable amount per day is $10,000
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: