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hands holding a smartphone, taking a picture of a printed check to deposit via a mobile app

Mobile Check Deposit

Tap. Snap. Submit. Save time with mobile check deposits.

We know that you’re busy and getting to the credit union is not always easy, that's why we offer the ability to scan and deposit checks to your Members Choice accounts directly from your mobile device.
 
 
 
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 from your smartphone. You can save time and money by making deposits more quickly, and getting quicker access to your funds. Mobile Deposit is available for both personal and business members.
 

With Mobile Deposit, you'll enjoy:

  • Convenient, no-hassle banking
  • More time for your life
  • Quicker access to funds
  • Safe handling of checks
  • Peace of mind
 
 
 
 

FAQs about Mobile Deposits

In general, mobile deposit is available for personal and business account holders, who:
  • Are in good standing
  • Consumers must have an active account that has been open at least 30 days.
  • Business accounts must have an active account that has been open at least 60 days.
  • Have an active Online Banking username and password.
Mobile Deposit is a free service and included in your MCCU mobile app. Simply download the mobile app for Members Choice Credit Union. It’s available for all iOS and Android devices.
Yes. The link between your mobile device and our Mobile Deposit site uses SSL and 256-bit encryption technology, the industry standard, to ensure your deposits are transmitted safely and securely. Your scanned check is secure and protected through this link.
Members Choice Credit Union’s funds availability policy applies to mobile deposits. $100 of the deposit is immediately available with the remaining amount on hold for up to three days. If a deposit is made after 2:00 CST, the deposit will be processed the next business day (Saturday, Sunday and holidays are excluded). 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.
Personal Accounts
  • Three items per day
  • $2,000 daily deposit limit
  • $5,000 monthly deposit limit
Business Accounts
  • Five items per day
  • $5,000 daily deposit limit
  • 100 items per month
  • $20,000 monthly deposit limit
 
 
 
 
 

Disclosures

If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships are subject to approval including credit approval.