Mobile Deposit Frequently Asked Questions Mobile Deposit Frequently Asked Questions
Manage your money on the go! Check your balance, review transactions, pay a bill, transfer money and deposit a check1 right from your mobile device.
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How do I use mobile deposit?
- Endorse the back of your check with your signature and write “For Mobile Deposit at FFCU” or check the “For Mobile Deposit Only” box and write “at FFCU.”
- Log into the Founders App and select Deposit Check from the bottom thumb bar.
- Select the Deposit Account and enter the check amount for your deposit.
- Using the camera on your mobile device, take a picture of the front and back of the check and submit your deposit.
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Why was my check image rejected?
- Physical checks must be flat and free of folds, tears and missing edges.
- When taking photos, the edges of the check must line up with the edges of the view finder on the camera screen. Do not use the zoom feature on your mobile device. Instead, move your mobile device closer to or farther away to capture check images.
- Check images must be clear. Take photos in a well-lit area with a solid dark background and keep your mobile device flat and steady above the check.
- The entire check image must be visible and in focus, and check information must be legible.
- Review your check images and retake, if needed, prior to submitting your check again.
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When will my check be deposited in my account?
- Mobile deposits received and accepted each business day prior to 3:30 pm EST are processed on the same business day.
- Mobile deposits received and accepted each business day after 3:30 pm EST or on weekends and Founders’ holidays will be processed on the next business day.
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Why was my mobile deposit rejected?
- Checks must be properly endorsed on the back with your signature, and “For Mobile Deposit at FFCU” or the “For Mobile Deposit Only” box must be checked with “at FFCU” written above.
- Check images must be clear with legible check information, including the Routing/ABA and MICR numbers at the bottom of the check.
- Money orders and loan proceeds cannot be deposited via mobile deposit.
- All payees on the check must be an account owner of the deposit account.
- All check payable information must be complete, including the date, dollar and written amounts and the authorized signature.
- The check date must not be in the future or older than six months.
- The check amount must be within your deposit limits.
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What items are NOT eligible for mobile deposit?
- Money orders.
- Loan proceeds or loan acceptance checks.
- Traveler’s checks.
- Returned checks.
- Checks drawn on financial institutions located outside the U.S.
- Checks made payable to a payee who is not an owner on the deposit account.
- Remotely created checks with a printed or typed name as the authorized signature. These are commonly created by credit card companies, utility companies or telemarketers.
- Checks suspected to be fraudulent or otherwise not authorized by an account owner.
- Checks dated in the future or older than six months.
1 Not all account types are eligible for this service. Only members in good standing that have the option to deposit a check within the Founders Mobile App are eligible.
Important Notice
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