Mobile Check Deposit
What is Mobile Deposit?
Mobile Deposit is secure, quick and convenient! It allows you to make a deposit by taking a picture of the front and back of a check using your iPhone or Android mobile device.
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Is Mobile Deposit safe?
Yes, our mobile banking uses the same security infrastructure as our online banking featuring multiple layers of security, including password protection and the SSL (Secure Sockets Layer) communication protocol, which employs 256-bit encryption.
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What are the requirements to enroll in Mobile Deposit?
- Must be enrolled in St. Anne’s Credit Union Online Banking.
- The latest version of our St. Anne’s Credit Union App must be downloaded to your iPhone or Android mobile device.
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Is there a cost for Mobile Deposit?
Currently, there is no cost for using St. Anne’s Credit Union Mobile Deposit and we will notify you if that ever changes. (Standard data rates from your wireless provider still may apply.)
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How do I download the St. Anne’s Credit Union App onto my mobile device?
- Mobile deposit is currently available on iPhone and Android smartphones.
- For iPhone devices, search for “St. Anne’s CU” in the iTunes App Store®.
- For Android devices, search for “St. Anne’s Credit Union” in the Google Play Store®.
- Within the appropriate app store, tap ‘FREE’ and then ‘INSTALL’.
- You should then see the St. Anne’s Credit Union App icon on your device. (Your login information is the same as your current St. Anne’s Credit Union Online Banking User ID and Password.)
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How will I know if Mobile Deposit is enabled for me?
- iPhone Users: tap the ‘Deposit’ option found along the bottom of the screen.
- Android Users: you will see the ‘Deposit’ option found along the bottom of the main screen.
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How do I make a mobile deposit?
- Sign your check and write “For mobile deposit only St. Anne’s Credit Union”
- Choose your personal checking account you’d like to deposit into
- Capture a picture of the front of the check
- Capture a picture of the back of the check
- Enter the amount of the check
- Verify all the information and tap ‘Deposit Check’
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Do I need to endorse the back of the check when I make a mobile deposit?
Yes, before taking a picture of the check, endorse the check with “For mobile deposit only St. Anne’s Credit Union” and your signature.
PLEASE NOTE: If the back of the check is not properly endorsed, St. Anne’s Credit Union reserves the right to reject the check for deposit.
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Are there any checks I am not permitted to deposit using Mobile Deposit?
The following checks are not permitted:
- Checks not payable to you
- Checks that have been altered or are fraudulent
- Checks payable jointly, unless deposited into an account in the name of all payees
- Checks drawn on a financial institution located outside the U.S.or not payable in U.S. currency
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How will I know if my mobile deposit is successful?
Check the status of your Mobile Deposit at any time by going to “Deposit” then “Deposit History”. You will then be able to see if it has been accepted, has failed, or is still pending. Final confirmation occurs when you see the deposit added to your account balance.
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What do I do with my check after I have deposited it?
Write "Mobile Deposit" and the date of the deposit on your check. Store the check for 7 days in a secure location to protect it from fraud. After the 7 days and you have confirmed the deposit has been processed and applied to your account, you are to destroy the check.
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What if I accidentally submit the same deposit twice in error through Mobile Deposit?
If the same deposit is submitted twice, you will receive an error message informing you the check has already been deposited and cannot be accepted.
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What if my deposited check is returned, can I resubmit it?
No, if a check is returned for insufficient funds, you may not resubmit the check using Mobile Deposit. You must then deposit the returned item at the Credit Union.
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What is the daily cut-off time for Mobile Deposit?
4:00pm EST business days.
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When can I expect to see the deposit posted to my account?
We process mobile deposits every business day at 4:00pm EST. If your mobile deposit was made after our 4:00pm cut-off time, your deposit will be processed the next available business day at 4:00pm, within 2 business days.
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Can I deposit more than one check?
Yes, however each check is deposited separately to your account. If you have 3 checks to deposit, you will see 3 separate deposits posted to your account.
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Are there limits to how much I can deposit through Mobile Deposit?
Yes, you may deposit up to $2,500 per day/per item using Mobile Deposit.
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What if I need to deposit a check that exceeds my daily limit?
Please call 877-782-6637 Monday through Friday (non-holidays), 8:00am through 5:00pm EST or email einfo@stannes.com.
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Helpful tips when taking a photo of your check:
- Make sure the check has been endorsed.
- Make sure your check is written in black or blue ink.
- Take the photos of the check in a well-lit area and a contrasting background.
- Avoid shadows.
- Keep your phone flat and steady above the check when taking the photo.
- Keep the check within the parameters on the camera screen.
- Make sure the entire check is visible (all 4 corners).
- Flatten folded or crumpled checks prior to taking your photo.
- Make sure the check image is clear and the MICR line is readable (numbers on the bottom of the check).
- Carefully enter the amount of the check to ensure it matches the amount written on the check.
- The endorsement is missing (remember to take picture with the endorsement on left side of picture).
St Anne’s Credit Union reserves the right to not process a deposit at any time and terminate the usage of mobile deposit for a specific user at any time.
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