Florida Credit Union Mobile Deposit Frequently Asked Questions

How do I get started? 

Call your local Florida Credit Union branch or send a secure request through our Online or Mobile Banking services to get signed up for the service. Once your account has been set up for mobile deposits, you will have access form the mobile app to start depositing checks from anywhere. 
 

How secure is Mobile Deposit? 

Mobile Deposit is just as safe and secure as depositing a check at the branch. For security purposes, check images are not stored on your phone.

 

What types of checks are accepted with Mobile Deposit? 

  • Personal checks
  • Business checks
  • Government / Treasury checks
  • Cashier’s checks
  • Checks must be from a U.S. institution and in U.S. dollars.
 

What types of checks ARE NOT accepted with Mobile Deposit? 

  • Foreign checks
  • Travelers checks
  • Money orders
  • Savings Bonds
  • Convenience checks
  • Checks made payable to anyone other than the names on the account.
 

How should checks be endorsed?

Checks must be endorsed with a signature and the following information: Mobile Deposit, Account #
 

How soon will my funds be available? 

$200 will be available the following business day, and the remaining amount is subject to holds, based on account type

 

Are there any fees for using Mobile Deposit? 

There is no additional fee for using the Mobile Check Deposit service, but we do recommend that you check with your service provider to see if there are any wireless carrier fees. 

 

What if there is a problem with my deposit?

Once you’ve made your deposit, you will get an email confirmation that we’ve received your deposit and are processing it. If there is any problem with the transaction, like insufficient funds or potential fraud, you’ll receive an additional email with further instructions. 
 

Can I see the checks after I submit through the app? 

Yes, the image of the check will be available in the app for 10 days. The image of the check is also available for longer periods of time through online banking.
 

Is there a daily maximum deposit amount? 

Yes, you will receive your daily and monthly limit information when you are set up for Mobile Deposits. 
 

If I discover I’ve entered an incorrect amount for the deposited check, should I redeposit the check? 

No. The system reads the dollar amount written on the front of the check. If necessary, we’ll correct the amount within 2 to 3 business days. 
 

What should I do with my check after depositing it using the Florida Credit Union mobile app? 

Once you receive deposit confirmation and print for your records, just write “VOID” across the front of the check as a security measure. There is no need to mail Florida Credit Union the check.

 

Can I use the mobile app to add funds to accounts other than Florida Credit Union checking or savings accounts? 

Not at this time. You cannot use the mobile app to add to any other accounts.

 

Why doesn’t my current balance reflect my recent deposit? 

There may be a problem that requires staff to review the image of the check. This process will happen within one business day. Once reviewed, the deposit is reflected in your account.
 
If you did not receive confirmation, your Mobile Deposit may not have been successful.  Please contact Florida Credit Union Member Support to determine your next step.
 

I selected the wrong account for deposit, what should I do?

You can perform a fund transfer between Florida Credit Union deposit accounts and the funds will be available immediately. 
 

The check I deposited was returned. Can I upload the check again? 

No, you cannot upload the returned check. Your account will be assessed a return item fee (refer to FCU Fees Schedule) and you will receive a copy of the deposit. If you wish to redeposit the returned check, you may do so my mailing the image of the item to Florida Credit Union. 
 

Can I email or fax the uploaded check to Florida Credit Union to complete by deposit? 

No. We only accept check images uploaded directly through the mobile app.
 

What are the system requirements for using Florida Credit Union mobile app?

  • All iOS devices with a camera and operating system version 5.1 or newer (including iPods and iPhones)
  • iPads from generation 3 and above (and iPad2 by request)
  • All Android devices with a camera and operating system version 2.3.4 and newer
 
For more information, click here for Florida Credit Union Terms & Conditions
 
FCU Mailing Address: P.O. Box 5549, Gainesville, FL 32627   Phone: (800) 284-1144   Email: askfcu@flcu.org  
 
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