Can a Member deposit any type of check?

No. Not all checks/items are eligible to be deposited through mobile check deposit. Per the user agreement, the following items are not eligible for deposit:
  • Checks payable to any person or entity other than the person or entity that owns the account that the check is being deposited into.
  • Checks containing an alteration on the front of the check or item, or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn.
  • Checks payable jointly, unless deposited into an account in the name of all payees.
  • Checks previously converted to a substitute check, as defined in Federal Reserve Board Regulation CC.
  • Checks drawn on a financial institution located outside the United States.
  • Checks that are remotely created checks, as defined in Federal Reserve Board Regulation CC.
  • Checks not payable in United States currency.
  • Checks dated more than 6 months prior to the date of deposit.
  • Checks or items prohibited by WCTFCU’s current procedures relating to the Services or which are otherwise not acceptable under the terms of your WCTFCU account.
  • Checks payable on sight or payable through Drafts, as defined in Federal Reserve Board Regulation CC.
  • Checks with any endorsement on the back other than that specified in this agreement.
  • Checks that have previously been submitted through the Service or through an electronic deposit delivery system offered at any other financial institution and/ or WCTFCU. (E.g. Mobile, Branch, ATM, Consumer, Merchant and automated clearing house (ACH) check conversions.
  • Checks or items that are drawn or otherwise issued by the U.S. Treasury Department
  • Money Orders and Travelers Checks.
  • Checks that are drawn on or produced from any of your WCTFCU account(s), written to yourself, and authorized by yourself for deposit to your own account.
  • If an item is dishonored, you will receive an image of the original check or a substitute check as the chargeback item.

Must the check be made payable to the account holder?

Yes. The check must be made payable to the account holder or joint account holder.

Must the check be endorsed?

Yes. The check must be endorsed to include both of the following on the back of the check:
  • "For mobile deposit only”
  • Signature of the payee listed on the check.

Is the Member required to capture an image of the front and back of the check, or just the front?

A clear image of both the front and back of the check must be taken and submitted.

Will the system reject an unclear image?

Yes. The Member will then have the option to take the picture again.

What account types can the deposit be made into?

Checking, Savings, or Money Market.

How will the Member know that their deposit has been successfully submitted?

The Member will receive a confirmation message upon successful transmission. The Member can also view the history of all of their deposits by selecting the “Activity” option on the “Deposit Check” page of the mobile App.

Are funds immediately available after the item has been accepted?


How long after a mobile deposit is completed are the funds available?

Funds should be available within two (2) business days (Monday-Friday, excluding holidays); however, extended holds may be placed on items at the sole discretion of WCTFCU.

How will the Member know when the funds have been deposited into their account and available for use?

The Member can see all of their transaction history 24/7 through online/mobile banking. They will not receive a specific notification when the deposit has been made and the funds are available.

Can a Member deposit a check to an account that is in a name other than their own?

Yes. If a Member is linked to another account for deposit purposes, they will be able to deposit a check into that linked account, but the check must be made payable to the owner or join owner of the account to which the check is being deposited.

What is Mobile Check Deposit?

Mobile Check Deposit enables a Member to deposit a paper check into their WCTFCU account, via the WCTFCU App for smartphone and tablet. The WCTFCU App directs the user to capture the image of the front and back of the check (uses camera on device), thereby making a digital photograph of the check. The App deposits this digital check into the Member’s WCTFCU account.

How can I get the Mobile Deposit service?

Once a Member signs up for online banking, you can download the WCTFCU App to a camera-enabled Apple iOS/Android smartphone and tablet device. Mobile check deposit is not available via a computer or non-Apple iOS/Android device.

Is mobile check deposit included in the WCTFCU mobile App or is there a separate App that must be used?

Yes, mobile check deposit is integrated into the WCTFCU App.

Do all Members qualify for the service?

Most Members will. There are eligibility requirements that must be met at the time that the Member submits their enrollment request and that must be maintained in order to qualify for the service. These requirements can change at the sole discretion of WCTFCU. Currently, the eligibility requirements are as follows:
  • Must be a Member for 90+ days.
  • Must have an eligible account type (Checking, Savings, MM).
  • All deposit accounts must have a positive balance.
  • All loans must be current.
  • The following Members will be excluded from eligibility of the criteria above:
    • 3 or more NSFs within the last 3 months.
    • 6 or more NSFs within the last 6 months.
    • Second Chance Checking/Savings Members.

Are there deposit limits and/or check holds for mobile check deposits?

In order to maintain prudent risk standards, limits and hold rules apply and are at the sole discretion of WCTFCU.
The current weekly dollar limit is $10,000.00 for qualified users.
The current monthly dollar limit is $20,000.00 per any 30 consecutive calendar day period for qualified users.
There is no daily or monthly statement cycle limit on the number of items, as long as the respective dollar limits are not exceeded. Daily and monthly deposit limits may vary for qualified users. Such limits will be reviewed and adjusted periodically at WCTFCU’s discretion or upon their request. Member can contact Member Services with any mobile deposit questions regarding deposit limits and/or to request a review of their deposit limits.

Is there a fee for the service?

No. Mobile Deposit is one of the many fee-free services available to our Members.