Mobile Deposit Capture Frequently Asked Questions
What is Mobile Deposit?
Mobile Deposit allows you to deposit to your account by taking pictures of the front and back of an endorsed check payable to you. The current deposit limits are $5000 per check per day and maximum $20,000 per month.
Who can use Mobile Deposit?
You must be a Credit Union member in good standing to be eligible to use the Online Services. Members must agree to the Remote Deposit Capture User Agreement and be enrolled in Online Banking.
When will my deposit be processed?
You must submit your check by 4:30 PM CST on a business day in order to have the check processed into your account on the day you make the deposit. Checks received on a non-business day, holidays or holidays on which the Credit Union chooses to remain closed, or after 4:30 PM CST will be processed on the Credit Union's next business day. However, in some circumstances, delays may occur. The FECU Funds Availability Policy applies to mobile deposits. FECU will notify you by email if a deposit is reversed due to poor image quality, the amount, payees, endorsements, or other issues. To avoid duplicate images please contact FECU about pending submissions before attempting to send the deposit again.
The FECU will send you notifications and receipts for your remote deposit items to the email address on file. Contact Us immediately if you change your email address or use the self-service tools available to update your contact information.
Is depositing my check with a mobile device safe?
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.
What are some tips for using mobile deposit?
Endorse your check with "For deposit only. FECU Account #_____". Image quality is key to successfully making a mobile deposit. Be in a well-lit area, avoid casting shadows and be willing to retake an image if your device’s camera isn’t focusing properly. The quality of the check also plays a part. Ideally everything is clear and where it belongs. Persistence and patience may be required to get a good image.
What if my check doesn't have very legible handwriting?
The image quality of the items must comply with the requirements established by regulatory agencies or associations. If the system is unable to read the check information, an error message will display. In that case, you may deposit the check in person at our FECU Owatonna locations or by mailing it to 1929 South Cedar Avenue Owatonna, MN 55060. A check will be rejected or returned if there are alteration to any of the fields on the front of the check which you suspect or know are fraudulent or not authorized by the owner of the account on which the check or item is drawn.
My check was written more than six months ago. Can I still deposit it?
No. The check is considered "stale-dated." You should request to have the person who issued the check reissue it with a current date.
I have a check made payable to someone else. Can I deposit it into my account?
No. This is considered a third-party check. Only checks made payable to the account holder(s) are accepted.
What do I do with the check after it's been deposited?
We recommend that you store your original check in a safe place for up to 60 days. Do not write VOID across the front of it or destroy it until after this period. Be sure the check is not rescanned or deposited elsewhere unless FECU specifically instructs you otherwise.
Note: Apps are provided by third-party vendors, wholly independent of FECU. The FECU is not responsible for any services provided by these third parties. Features are subject to change. The FECU reserves the right to change, suspend or discontinue the Services, in whole or in part, or your use of the Services, in whole or in part, immediately and at any time without prior notice to you. FECU is not responsible in any way for their services, contractual terms, or data usage.