Frequently Asked Questions

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.