Our Mobile Deposit feature provides the ease of depositing your checks at anywhere, anytime without coming into our physical location.
Information to note:
- There are no per item limits, with a daily deposit limit of $3,000
- You will receive 3 notifications after each deposit. The third is the most important.
- Mobile message “deposit successful” shows the process worked
- Email says the deposit was received. Don’t spend the money yet!
- Second email tells you if the deposit was approved, adjusted, or cannot be accepted.
Find more details and checks that are not accepted below.
Follow instructions and prompts on the screen:
- Endorse your check with your account number and 'For Deposit Only'
- Place the check on a flat surface with a solid background.
- Choose account for the deposit
- Enter the dollar amount of the check
- Take a photo of the front, then the back
- Click “Submit”
- You will receive a message saying “Deposit successful.” This means the process worked.
- Look for the email notification confirming the deposit was received. Don’t spend the money yet - deposits are not immediate and are subject to verification.
- Mark your check so you know it has been deposited. Keep your check in a safe place for a couple of weeks, then shred.
- Within one business day you will receive a second email notification that will confirm the deposit was approved, adjusted, or cannot be accepted.
- Must be a member in good standing.
- Have a valid email address on file.
- The membership account is not a Trust, Living Trust, Beneficiary or Association, Estate, Rep Payee, POA, or IOLA account.
- No per-item limits, with a daily limit of $3,000.
Examples of checks not accepted for mobile deposit:
- Checks or items not payable in United States currency
- Checks drawn on your account at Alternatives
- Checks that contains evidence of alteration
- A stale dated, expired, or post-dated check
- Check to be deposited to an IRA or Share Certificate
- Checks payable jointly, unless deposited into an account in the name of all payees
- Third party check – a check made to an individual, but signed over to a different third party.
- Checks that have previously been submitted through this Service or through a remote deposit capture service offered at any other financial institution
- Incomplete check – an item that does not contain signature(s) of the maker, proper endorsement signature(s), and/or missing any of the required keyed information
- Any check that has been returned such as “non-sufficient funds” or “refer to maker”, or any other reason