Mobile Check Deposit

What is Mobile Check Deposit (MCD)?

With Mobile Check Deposit, depositing a check is as simple as taking a photo. Simply log into the mobile app on your iPhone or Android device and make deposits into your account.

For more information about our App or to watch a demonstration on Mobile Check Deposit, click here.

You must have a WCCU online banking service and password to access account information via WCCU mobile app (FREE Download available at the App Store and Google Play).

  1. The payee’s signature
  2. The words “For Deposit Only by MCD, Acct # ___________”
    PLEASE NOTE: If the back of the check is not properly endorsed, the deposit will be rejected.

Upon receipt of a confirmation from WCCU that the image of an item has been received, prominently mark the check as “Mobile Check Deposit (MCD)” or “VOID” and to ensure that it is not represented for payment. You will need to retain the check, or a sufficient copy of the front and back of it, in the event of a deposit dispute.

Only single-party domestic checks made payable to the owner(s) of the account may be deposited.
The following is a list of unacceptable items that may not be deposited using Remote Deposit:

  • Checks written off a WCCU account or another financial made payable to the same member (a member cannot use MCD to deposit a check written to themselves).
  • Third Party Checks (checks payable to someone else, endorsed and signed over to you).
  • Returned Checks – Any check that you deposited that is returned to us not payable as a result of insufficient funds, stop payment, or other related reasons.
  • Altered Checks – Any check that contains evidence of a change (correction fluid, crossed out amounts, etc.) to information on the face of the check.
  • Foreign Checks – Any check that is issued to you and drawn on a financial institution in another country (Canada, France, etc.)
  • Stale Dated Checks – certain checks contain instructions such as: “Void 90 days after issue date”. If no instructions are contained, then the check is stale 6 months after the issue date.

There is no limit on the number of checks deposited, however you can only deposit up to $10,000 per day. The maximum allowable amount per check is $2,500.

The total amount of deposits made (less any holds that apply according to the Funds Availability Policy, up to your available deposit limit), will be credited to your account.

  • If a deposit is made by 3 pm on a normal business day, it will be credited by 5 pm that day.
  • Any deposits made after 3 pm will be credited on the next normal business day at 5 pm. (Monday through Friday). Checks deposited on a weekend — or after 3 pm Friday will be credited the next normal business day (normally Monday)
  • Members should hold on to their checks for 10 days after they make a remote deposit.
  • All funds may not be immediately available after the deposit is made.
  • Below the endorsement on the back of the check, write the words “For Deposit Only by MCD, Acct # __________”

When taking the check image:

  • Use in a well-lit area, free of any clutter, to prevent shadows or poor image quality.
  • Keep hands clear of the check while taking the images to avoid pictures of fingers/hands.
  • Bright but indirect light is best. Placing the check too close to lighting sources may cause shadows.
  • Any surface of a solid color that contrasts with the check is best. Use a dark-color surface for light checks; a light-color surface for dark checks

After taking the check image, ensure the following:

  • The front and back images show the entire check. There should be nothing else in the images.
  • The payee name, dollar amount, date, MICR data (the characters at the bottom of the check) and other details are clearly legible on the front check image.
  • The back check image must have an endorsement (signature) that is clearly visible and the words “For Deposit Only by MCD, Acct. # ____________.”

If you have additional questions, please contact any of our offices and we will be happy to assist you.