Mobile Deposit FAQs

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1. What is MyNCU Mobile Deposit?

MyNCU Mobile Deposit gives you the freedom to securely deposit checks anytime and anywhere using the MyNCU Mobile Banking App, saving you time and giving you faster access to your money.

2. How do I sign up for Mobile Deposit?

If you have a Neighborhood checking account and are registered for online banking, Mobile Deposit is already available in your App to qualified members. You will be prompted to accept the terms and conditions. You can download the app from the App Store or Google Play.

3. When can I start using Mobile Deposit?

After 30 days of opening an account.

4. What if I can’t see Mobile Deposit in my App?

Download the latest, updated version of the app from the App Store or Google Play. If you still do not see it, please call Member Services at 214.748.9393. Some exclusions apply.

5. Is there a fee to use Mobile Deposit?

No, Mobile Deposit is free.

6. What if I don’t have a camera on my device?

Unfortunately, you will not be able to use Mobile Deposit.

7. How should I endorse the check?

Your endorsement must include your signature and you must write “For Mobile Deposit Only in Neighborhood CU”. Any loss we incur from a delay or processing error resulting from an irregular endorsement or other markings by you will be your responsibility.

8. What accounts can I deposit my check into?

As long as you have a checking account, you can deposit checks into your checking or savings accounts. 

9. What types of checks do you not allow?

Third-party checks, checks issued outside the US, incomplete and post-dated checks. Savings Bonds, Traveler’s checks and Money Order are also not accepted and other restrictions may apply.

10. How soon will funds be available?

Deposits into Checking accounts will have a 2-business day hold on the deposit amount over $200. Deposits into Savings accounts and Shared Branching accounts will have a 7-business day hold. All other conditions for Shared Branching apply.

11. What are my deposit limits?

Deposit limits vary from $500-$2,000.

12. How do I know if my deposit went through and was accepted?

Use the option to send yourself an email confirmation at the end of the deposit. Then, log out and back on to your Mobile App to confirm the transaction. If your check is not accepted, you will receive a notification call or email.

13. What should I do with the check once it has been scanned?

Once you have deposited your check via Mobile Deposit, securely store it for 15 days before destroying it.

If you have additional questions, please contact Member Services at 214.748.9393.