Mobile Check Capture
Make a deposit into your account by taking pictures of the front and back of the checks you receive.
Mobile Deposit Endorsement Change
As of July 1, 2018, a change has been required to your endorsement on the back of your mobile check deposits. Your signature with "For Mobile Deposit Only" written below is required for all checks deposited with our mobile app.
Unfortunately, if you deposit a check through the mobile app without this endorsement, the check will be returned and your deposit will be rejected due to "back endorsement incomplete."
To help ensure that your checks are deposited conveniently and quickly using our mobile app, please use this endorsement. We apologize for any inconvenience this may cause you. This new endorsement requirement is a result of a banking regulation change.
Frequently Asked Questions
Q: How can I enroll in Mobile Deposit?
A: If your account is eligible for mobile deposit you can sign into your mobile banking application and tap the brown circle menu icon at the lower right. Choose "Mobile Deposit" from the menu. See detailed instructions here. If you are unable to choose "Mobile Deposit" please call 248-549-3838 for troubleshooting options.
Q: Is depositing my check with a mobile device safe?
A: Yes. They link between your mobile device and our Mobile Deposit site is completely secure and protected through the mobile link.
Q: Which devices support Mobile Deposit?
A: Mobile Deposit is supported by Apple and Android mobile phones.
Q: How should I endorse a Mobile Deposit check?
A: Your signature with "For Mobile Deposit Only" written below is required for all checks deposited through the mobile app. Checks deposited without this endorsement will be returned and your deposit will be rejected due to "back endorsement incomplete."
Q: What dollar limits apply to Mobile Deposit?
A: You may make as many mobile deposits as needed. However, there is a dollar limit per check of $2,500 and a daily limit of $5,000. Each Mobile Deposit includes one deposited check only.
Q: When are the funds available from a Mobile Deposit?
A: Mobile Deposit funds are generally available within two business days (excluding Saturdays and holidays).
Q: I have a check made payable to someone else. Can I deposit it into my account?
A: No. This is considered a third-party check. Only checks made payable to the account holder(s) are accepted.
Q: Can I make a deposit with a check payable to myself and another party who is not a joint owner on the account?
A: No. Those payable on the check must be joint on the account.
Q: What types of checks can I deposit?
A: You can deposit any check drawn on a U.S. financial institution. The following items cannot be deposited using Mobile Deposit:
- International Checks
- U.S. Savings Bonds
Q: My check was written more than six months ago. Can I still deposit it?
A: No. The check is considered "stale-dated." You should request to have the person who issued the check reissue it with a current date.
Q: Can I deposit a check that is postdated (for the future)?
A: No. Postdated checks are not legal to deposit. Mobile Deposit will reject the check.
Q: What should I do with my paper check after depositing?
A: When you receive confirmation that the credit union received the image, it is recommended to securely store the original check for 30 days after transmission to OUR Credit Union. This provides you with access to the check if needed during that period. Once the funds are available, you may write "VOID" on the check. Securely store the original check for 30 days after transmission to us to ensure the original check is accessible to OUR CU at our request. After this time, you may destroy the original paper check.
Q: What would the credit union request to me to keep the paper check?
A: OUR Credit Union recommends you keep the check in case the mobile deposit is not accepted.
Q: Are there any fees associated with mobile deposit?
A: Fees can be assessed if a check is returned for NSF, closed account, etc. If you have any questions, please contact OUR Credit Union at 248-549-3838.
Q: What are the cut off times for deposits made with Mobile Deposit?
A: Mobile Deposits confirmed as received before 5:00 PM Eastern Time on a business day will be credited to your account the same day. Deposits confirmed as received after 5:00 PM and deposits confirmed received on holidays or days that are not OUR business days will be credited to your account on the following business day. Saturdays and holidays are excluded as business days.
Q: What do I do if Mobile Deposit is unavailable?
A: Mobile Deposit may be unavailable temporarily due to system maintenance or technical difficulties, including those of the Internet service provider, cellular service provider, and Internet software. In the event that Mobile Deposit is unavailable, you may deposit original checks at our branches, through our ATMs, or by mailing the original check to: OUR Credit Union, 3070 Normandy Rd., Royal Oak, MI, 48073.
1. Log into the OUR Credit Union Mobile Application and tap the brown circle menu icon at the lower right of your screen.
2. Click 'Mobile Deposit' from the list.
3. At the top of the screen select either "New" to deposit a new check, or "History" to see past Mobile Deposit transactions.
4. Tap on "Choose an account" to select from a list of accounts to deposit into.
5. Tap on "Amount" to enter the dollar amount the check is written for.
6. Sign/Endorse the back of the check and write "For Mobile Deposit Only."
7. Take a picture of the front of the check by clicking the camera button labeled "Check Front."Make sure the from of the check is within the frame and tap the camera icon.
8. Take a picture of the back of your check by clicking the camera button labeled "Check Back." NOTE: Be sure the back of the check is endorsed with "For Mobile Deposit Only" written below the endorsement. You must agree to the alert that pops up informing you of this requirement.
9. Once the pictures have been taken, you are able to confirm the information of the Mobile Deposit. Click "Submit" at the bottom of the page to deposit the check.
10. Deposit Pending: Funds will normally transfer within two business days (excluding Saturdays, Sundays & Holidays). After you receive confirmation that we have received the images, you must securely store the original check for 30 days after transmission to us to ensure the original check is accessible to OUR CU at our request. You can click on "History" at the top of the page to view pending mobile deposits and to view mobile deposits that have been accepted over the last 30 days.
11. If the mobile deposit fails you will see the reason below the red "failed" icon. You have the ability to fix any error and resubmit your check for deposit. Click "Edit and Retry" and resubmit. If the error continues please contact OUR Credit Union at 248-549-3838.
For additional tips, click here.