Coosa valley credit union mobile deposit funds availability

How do I deposit a check using the Credit Union ONE Mobile Banking App?

Open the CUONE Mobile Banking App.
Locate and tap the "Deposit Check" icon in the bottom navigation bar.
Tap "Select an Account" and choose account
Input amount of check deposit
Properly endorse back of check
Tap "Check Front" and take picture
Tap "Check Back" and take picture
Tap "Deposit Check" to complete deposit

Table of Contents Show

How do I deposit a check online with Coosa Valley Credit Union?
Does Coosa Valley Credit Union have Zelle?
Does Coosa Valley Credit Union have online banking?
What are the benefits of credit unions?

How do I endorse a check for Mobile Check Deposit?

On the back of the check in the endorsement area, sign your name as it is listed on your Credit Union ONE account. Under your signature, print the words “For Mobile Deposit at Credit Union ONE”.

If Mobile Check Deposit will not accept your check, please bring it to the Credit Union ONE branch nearest you to make your deposit.

What are some tips for taking a good photo of my check?

Before taking the picture of the check, review the check to ensure all check information is clearly visible on the check in dark ink: Amount, Payee, Signature of the check drawer, Date, Check number, MICR line, routing and transit numbers.
Sign the back of the check and write “For Mobile Deposit at Credit Union ONE” under the signature in the endorsement area. Checks deposited through Mobile Deposit will be rejected if it is not endorsed.
Smooth out the check so that it is free of wrinkles or curved-up edges
Place check on a dark flat surface
Hold the phone directly over the check – this will avoid blurred areas common with photos taken at an angle
Take photo in a well-lit area, preferably without the use of flash

Who is eligible to use Mobile Check Deposit?

Mobile Check Deposit is available to Credit Union ONE members who have/are:

A Checking Account or a loan and Savings Account,
An account open over 30 days,
Active accounts, with no negative history on the account,
At least 18 years of age,
Enrolled in Online Banking

Is there a fee to use Mobile Check Deposit?

No. There is not a fee for this service, however, mobile carrier fees may apply.

What devices can I use to deposit checks?

Mobile deposits are available with Credit Union ONE’s mobile app using Android smartphones and Apple devices with rear-facing cameras.

What accounts can I deposit funds into using Mobile Check Deposit?

You can deposit funds into your Credit Union ONE personal checking or savings accounts.

Can I make loan payments using Mobile Check Deposit?

While you cannot apply a check deposited through a mobile device directly to a loan, you can use Credit Union ONE’s online or mobile banking to transfer available funds to the loan balance once the check has been posted to your checking or savings account.

Will I have funds available immediately after depositing a check through Mobile Check Deposit?

Yes – up to $200 is available immediately, and remaining funds are usually available in two business days after the deposit. Please refer to Credit Union ONE’s Funds Availability Disclosure Policy for full details.

What checks are ineligible for deposit?

Credit Union ONE reviews each item deposited through Mobile Check Deposit, and may return the check if there are issues with the deposit. Examples of ineligible checks include:

Checks not payable to the account owner
Torn or damaged checks
Altered or suspect checks
Incomplete checks
Checks drawn on banks located outside the United States
Checks drawn in foreign currencies
Checks dated more than six months prior to the date of deposit
Checks dates in the future of the date of deposit
Items previously processed
Checks with unreadable MICR information

Please refer to Credit Union ONE’s Mobile Deposit Terms of Service for further information.

What do I do with the check after I make the mobile deposit?

Credit Union ONE recommends that once you confirm your deposit has posted (via your Online Banking account history or monthly statement), keep the check in a secure place for 180 days from check posting date. After 180 days, it is safe to destroy the check.

MCD

Mobile Check Deposit lets you deposit a check into your account by taking a picture of it with your smartphone or tablet using our mobile app. You can also view a 30-day history of the checks you’ve deposited through the mobile app.

HOW TO USE MCD VIDEO:

https://www.mypscu.com/wp-content/uploads/2022/04/Mobile-Check-Deposit-HOW-TO-2.mp4

DOWNLOAD THE MOBILE APP!

DEPOSITING A CHECK

Within the mobile app tap Deposit, login to your account then Register (approval may take 1-2 business days).
Once you’ve registered and been approved, open our mobile app and go back to Deposit before logging into your account.
Tap New Deposit.
Select the account where you want to deposit your check and enter the check amount then tap Continue.
Take a clear picture of the front of your check. Align the check so it is entirely within the frame.
Turn the check over, endorse the back of the check and write the date, then take a clear picture.
After a few seconds a box will pop up saying if your check deposit was successful or if you need to re-submit it.
Hold onto your check for a week after your deposit has shown up in your account.

MOBILE CHECK DEPOSIT LIMITS

Max amount per deposit $2,500
Max daily amount $5,000
Max deposits per day 6
Max total within 30 days $10,000

MOBILE CHECK DEPOSIT TIPS

Write “Mobile Deposit PSCU” SIGN and DATE on the back of your check. Retain the check for a week after deposit.
Deposits usually post into the account around 20 minutes after the check is submitted.
To avoid delays in processing or rejection of your check, please ensure the quality of the image is clear and in focus.

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How do I deposit a check online with Coosa Valley Credit Union?

What is Remote Deposit Anywhere (RDA)? RDA is a deposit service that will allow members who qualify to make deposits to their Coosa Valley Credit Union deposit account by taking a picture of a check using a smartphone or tablet through the Coosa Valley Credit Union app.

Does Coosa Valley Credit Union have Zelle?

You can send, request, or receive money with Zelle®. To get started, log into the Coosa Valley Credit Union mobile app. In the main menu, select “Send Money with Zelle®”.