Mobile Check Deposits (2024)

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Deposit Checks From Anywhere, Anytime

With Mobile Deposits,* you can deposit personal and business checks safely and securely with your mobile device—all without having to visit a branch or ATM.

Deposit Your Checks the Easy Way

  • Mobile Check Deposits (1)

    Convenience

    Deposit up to $50,000 in checks per day.

  • Mobile Check Deposits (2)

    Save Time and Money

    Skip the trip to the branch or ATM.

  • Mobile Check Deposits (3)

    Real-Time Confirmation

    Get email confirmation for every deposit.

  • Mobile Check Deposits (4)

    Easy Access

    View images of your deposited checks in your account.

View the full consumerterms and conditions and business terms and conditions.

How to Make a Deposit

  1. Sign in to the mobile app.*

    If you’re using the new mobile app, you can find step-by-step instructions here.

  2. Select Deposits from the bottom navigation bar.
  3. Select Enroll and Deposit.
  4. Read the Terms and Conditions, then select ACCEPT.
  5. Select Make Deposit, then select the account you’d like to deposit money To.
  6. Enter the check information and follow the instructions for capturing images of the front and back of the check.
  7. Confirm the check has been signed by all payees, and "For Mobile Deposit Only at NFCU" is written on the back.
  8. Review the information and then select Make Deposit and Done.

Download Our App for Your Mobile Device

FAQs

How are checks deposited through the mobile app protected from fraud?

Navy Federal’s mobile deposits service is offered through our Mobile Banking* app, which requires you to provide a unique username and password each time you sign in. Each item to deposit must be endorsed with the signature of the payee and “For Mobile Deposit Only at NFCU.” By doing so, checks deposited through mobile deposits cannot be deposited again at a Navy Federal branch or another financial institution. The mobile deposits approval process also includes a review of each deposited item and automatically detects duplicate deposits within 24 hours of submission.

When will deposited funds be available in my account?

If Navy Federal approves the deposit:

Expected timing for mobile deposits
If you submit your deposit within the below timeframes:Up to $225 is available:Remaining funds of deposits are available:
Monday-Friday, prior to 6 pm ETNext Business DaySecond Business Day after day of approval
Monday-Friday, after 6 pm ET and Saturday-SundaySecond Business Day after approvalThird Business Day after approval
Federal HolidaySecond Business Day after approvalThird Business Day after approval

For example, if you deposit a $2,500 check through mobile deposits before 6 pm ET on Monday, $225 of the deposit will be available on Tuesday. The remaining $2,275 will be available on Wednesday (2 Business Days after the approval).

What are the deposit and transaction limits?

All accounts have a $50,000 aggregate limit per Business Day. Transactions are not limited for business accounts; however, personal accounts have a daily transaction limit of 10 check deposits.

What types of checks can be deposited for mobile deposits?

Acceptable types of checks include:

  • Personal checks
  • Corporate/business checks
  • Cashier’s checks
  • Government checks

What types of checks CANNOT be deposited for mobile deposits?

Ineligible items include, but aren’t limited to:

  • Checks or items containing an obvious alteration to any of the fields on the front of the check or item which you know or suspect, or should know or suspect, to be fraudulent
  • Checks or items drawn or otherwise issued by you or any other party on any of your Navy Federal accounts
  • Checks or items not payable in United States currency
  • Checks or items drawn on financial institutions located outside the United States
  • Checks or items previously converted to a substitute check
  • Money orders and travelers checks
  • American Express® Gift Cheques
  • Savings bonds
  • Checks that require authorization (e.g., COMCHEKS, BranchPay, RapidDrafts)
  • State-issued registered warrants
  • Checks from a closed account at another financial institution
  • Checks or items that are incomplete
  • eChecks - checks printed using a personal home printer
  • Fiduciary checks - any checks where the designated payee is an individual acting on behalf of another person

Navy Federal reserves the right, in its sole discretion, to determine what items may be considered “Ineligible Items.”

How long does the system retain my mobile deposits history?

Mobile deposits keeps a history of your mobile deposits and check images for up to 2 years. To view your deposits in the mobile app, select the “Deposit History” button within the Deposits tab.

How long should I retain my original check? What happens if I discard the check and an issue arises?

For your protection, retain the original check for at least 5 days AFTER receiving confirmation that it has been accepted. When you’re ready to discard it, mark it “VOID” and dispose of it in a way that prevents it from being presented for payment again. If an issue should arise and the original check is no longer available, please contact the issuer of the check to obtain a new copy that can be resubmitted for deposit.

What should I do if I need help using mobile deposits?

If you have questions, speak with one of our member service representatives at 1-888-842-6328.

What steps should I take if my mobile deposit is declined?

If your deposit item is declined, a message will be sent to the email address on record indicating the reason for the decline. If you feel you need to discuss the matter in more detail, you can call our member service representatives 24/7 at 1-888-842-6328. Reasons that deposit items may be declined include:

  • ineligible check
  • non-negotiable
  • missing signature
  • missing endorsement
  • stale dated
  • post-dated
  • duplicate check
  • poor image quality
  • daily deposit dollar amount exceeded
  • unacceptable item

What’s the difference between “Depositor” and “Submitted by”?

The difference between "Depositor" and "Submitted by" only applies to deposit accounts that have a Trusted User listed. For these transactions, the primary account holder's name is displayed as the "Depositor" and the Trusted User is displayed as "Submitted by."

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Mobile Check Deposits (2024)

FAQs

What to write on a check for mobile deposit? ›

You can make deposits in a snap with your iPhone® or Android™ device. Due to a new banking regulation, all checks deposited via a mobile service must include: “For Mobile Deposit Only” handwritten below your signature in the endorsement area on the back of the check or the deposit may be rejected.

Why isn't my mobile check deposit working? ›

This rejection can occur for various reasons, such as insufficient funds in the depositor's account, discrepancies in the provided account details, a hold or freeze on the account, or suspicious activity triggering security measures.

How do mobile check deposits get verified? ›

3. Bank Verification Steps:
  1. Initial Check Inspection. Examining the endorsement: Verifying the signature on the back of the check as a primary security measure. ...
  2. Image review. Capturing front and back images of the check: Clear images are crucial for bank verification. ...
  3. Account Status. ...
  4. Availability of funds.

Why do banks put limits on mobile deposits? ›

Otherwise, the daily limit is $1,000. “Mobile check deposit limits are set to reduce the risk of fraudulent checks being deposited,” says Urjit Patel, chief operating officer of Education First Federal Credit Union.

What information is needed for a mobile check deposit? ›

Take photos of the front and back of the check with your smartphone — just select the Front of Check and Back of Check buttons. Select the account to receive the deposit, enter the amount and tap Next. After confirming the details, tap Submit.

What do you say when depositing a check? ›

For Deposit Only—Restrictive Endorsement

The most secure way to endorse a check is to: Write: For Deposit Only to Account Number XXXXXXXXXX. Sign your name below that, but still within the endorsement area of the check.

Can a mobile check deposit be denied? ›

There are a number of reasons why checks may not be able to be deposited using the mobile app: Folded or torn corners. The front image is not legible. The amount entered doesn't match the amount read by the scanning software.

How long does it take for a mobile check to be approved? ›

It usually takes a business day for a mobile deposit to show up in a bank account, but this can be delayed if the check is for a large amount, is deposited after a bank's cutoff time, or has issues with the way in which it was submitted.

Can a handwritten check be mobile deposited? ›

Most banks allow mobile depositing of personal checks, business checks, cashier's checks, and government-issued checks. This includes tax refunds and stimulus checks. Usually, foreign checks, third-party checks, money orders, and traveler's checks are not allowed, but this varies slightly from bank to bank.

Can a mobile deposit check bounce? ›

Just like any regular bank deposit protocol, mobile deposits bounce when the check issuer doesn't have adequate money in their account to make the deposit. So keep in mind that, while you may receive a confirmation upon deposit, your bank has the right to reverse the funds even after sending confirmation.

Is it better to deposit a check in person or online? ›

Depositing a paper check via mobile deposit can be as safe and secure as taking the money to a branch.

Which bank makes mobile deposit funds available immediately? ›

Banks with immediate check deposit availability
BankMobile check deposit fund availability
Fifth Third BankImmediatelyGo to site
US BankSame business day if deposited before 10 p.m. ETGo to site
KeyBankImmediately if deposited before 11 p.m. ETGo to site
GO2bank / Ingo MoneyWithin minutes, up to one hourRead Review
7 more rows
Jun 4, 2024

How to endorse the back of a check for mobile deposit? ›

Keep reading to learn how to correctly endorse a check for mobile deposit.
  1. Step 1: Double-check Endorsement Details. ...
  2. Step 2: Sign the Back of the Check in the Endorsement Area. ...
  3. Step 3: Add “For Mobile Deposit Only” Under Your Signature. ...
  4. Step 4: Use the Mobile App To Take Photos of the Check's Front and Back.
Aug 9, 2024

What to write on back of check for mobile deposit bofa? ›

You agree to endorse all Items that you deposit via the Service with your signature and to include the words "For deposit only at Bank of America," or "For deposit only at Merrill," as applicable. You will not allow transmission of an Image of an Item that has already been transmitted through the Service.

What to write on back of check for mobile deposit citizens bank? ›

How do I endorse my checks for Mobile Deposit? Simply sign or use an official company stamp on the back of your check. Please write “For Citizens Bank Deposit Only” below your signature. Any items not properly signed will not be accepted via mobile deposit.

What to write on a check for mobile deposit in Wells Fargo? ›

Enter the amount of your check. Sign the back of your check and write “For Mobile Deposit at Wells Fargo Only” below your signature (or if available, check the box that reads: “Check here if mobile deposit”).

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