Q. What is Mobile Check Deposit?
A. Mobile Check Deposit is a service available to eligible members to conveniently deposit checks directly into your Empower account without going into a branch by using a smartphone or tablet to take a picture of both the front and back sides of the check and submit for deposit.
Q. How do I sign up for Mobile Check Deposit?
A. Once you have registered for Online Banking, simply download our Mobile App to access this service.
Q. What type of mobile device must I have to use Mobile Check Deposit?
A. You may use a photo-capable iPhone, iPad, or Android mobile device.
Q. Is there a fee for using Mobile Check Deposit?
A. No, there is no fee for using this service.
Q. Is there a waiting period?
A. You must have a membership open for a minimum of 30 days and must not be in delinquency or default on any loans or accounts at Empower Federal Credit Union.
Q. Who is eligible for Mobile Check Deposit?
A. Members and business memberships that are in good standing and enrolled in Online Banking are eligible for this service. Members must be 18 years of age or older to use this service. Some restrictions may apply (see waiting period above).
Q. Can I ever be restricted from using Mobile Check Deposit?
A. Yes. You can lose the privilege of using Mobile Check Deposit. Empower reserves the right to terminate Mobile Check Deposit privileges at any time.
Q. When can I use Mobile Check Deposit?
A. You can make mobile deposits of your checks when it’s most convenient for you: 24 hours a day, seven days a week and on holidays. The deposit may not appear deposited into your savings or checking account right away, and/or funds may not be immediately available for withdrawal.
Q. Is there a daily or monthly maximum dollar amount?
A. You can deposit up to $5,000 per day, not to exceed $20,000 per week or $100,000 per month. Business account limits may vary, contact the credit union for details.
Q. Is there a limit on the number of checks I can deposit?
A. There is no limit to the number of checks that can be deposited, but only one check can be deposited per transaction, however you cannot exceed your daily and monthly deposit limits.
Q. When will I see the deposit into my account?
A. After you complete your deposit, the transaction is still pending. Go to mobile banking to see the Remote Deposit Activity tab for status. You will also receive an email when the deposit is processed. Deposits will generally be available by the third business day after the day of deposit. Please note: unlike an ATM or in-branch deposit, the initial $225 is not immediately available.
Q. What is a business day?
A. Business days do not include Saturdays, Sundays or federal holidays.
Q. How are deposits made on the weekend handled?
A. Deposits made on Saturday, Sunday or Federal holidays are processed as if made on the next business day (i.e., Monday) following the weekend or holiday. Saturdays, Sundays and Federal holidays are not considered business days.
Q. Should I endorse my check if I use Mobile Check Deposit?
A. Yes. In order for your deposit to be accepted, you will need to properly endorse the back of your check as you would normally do when making a deposit. To properly endorse your check, you must sign your name on the back of the check and write “Mobile Deposit Only” under signature.
Q. How will I know when my deposit is complete?
A. Go to online banking or the mobile app to confirm the deposit is showing as a credit to your account and is no longer pending. Emails will also be sent to communicate the status of the deposit.
Q. How will I be notified if there is a problem with my deposit?
A. You will receive an email stating if your check has been approved or rejected for processing.
Q. Why did I receive a message that my deposit(s) was rejected?
A. Mobile deposits may be rejected for a variety of reasons. Some examples include: poor image quality, missing endorsement, information on check is inconsistent, or you reached the maximum daily or monthly deposits limits. Contact us at 800.462.5000 for assistance.
Q. What do I do with the checks once I have deposited them electronically?
A. Store the deposited item in a secure location for up to 30 days. After that, the check should be shredded and disposed of properly to prevent identity theft or misuse.
Q. What types of checks are not allowed for Mobile Check Deposit?
A. Foreign items and third party checks will not be accepted. Other exceptions may apply. Acceptance of any checks for deposit is at the discretion of the credit union. An email notification will be sent with rejection reason, if applicable.
Tips to ensure check image quality:
- Use good lighting
- Put the check on a simple and flat surface
- Make sure you include all 4 corners of the check in the image
- Make sure the picture is in focus
- Make sure there are no pen marks or other obstructions to the encoded numbers on the MICR line
Online safety tips:
- DO NOT use public wireless access and computers at libraries, hotels or other public places.
- Monitor your account and report any unauthorized or suspicious activity immediately.
- Be highly suspicious of any emails or text messages stating you have won a prize or claiming to be from government agencies, tax agencies, financial institutions or other companies asking you to verify account information or online banking credentials.
- Use your phone’s built-in lock function and set a password-protect for start-up or time-out.