Mobile Deposit Capture Frequently Asked Questions

What is Mobile Deposit?

Mobile Deposit allows you to take pictures of the front and back (endorsed) of a check payable to you and make a deposit to your account. You must be a member in good standing with the credit union to use mobile deposit.

Who is eligible to use Mobile Deposit?

Members must be in good standing and be enrolled in Online Banking.

Is there a cutoff time to submit checks?

You must submit your check by 4:30 PM CST on a business day (Monday-Friday) in order to have the check processed the same day. Checks received on a non-business day, holiday, or after 4:00 PM CST will be processed the next business day.

When will my deposit be processed?

Deposits are credited to your account on the same business day, if before 4:30 PM or the following business day. FECU Funds Availability Policy still applies to mobile deposits. Additionally, if there are issues with the quality of image, the amount, payees, endorsements, etc. we may notify you that your deposit is reversed pending submission of a new deposit.

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?

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 mail.

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.

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