Mobile Deposit FAQs

Mobile Deposits

  • What is Mobile Deposit?
    Mobile Deposit lets you deposit checks into your eligible checking account using Sacramento Credit Union Mobile App.

  • How do I qualify for Mobile Deposit?
    You must have a Sacramento Credit Union personal checking account in good standing, and be at least 18 years of age.

  • How do I get Mobile Deposit?
    Mobile Deposit is available within Sacramento Credit Union Mobile Banking App. Visit sactocu.org from your phone's browser and click the "App Store" banner, or visit the associated app store and search for "Sacramento Credit Union."(You must be enrolled in Online Banking to access your accounts.)

  • Is Mobile Deposit secure?
    Our Mobile Banking and Mobile Deposits use the Wireless Transport Layer Security (WTLS) protocol, which provides the highest level of security available today. All data that passes between the wireless gateway is encrypted using the Secure Socket Layer (SSL) layer. Additionally, your password and check images are not stored on your mobile device.

  • Is there a fee to use Mobile Deposit?
    Sacramento Credit Union does not charge a fee to use Mobile Deposit. However, your wireless service provider may charge fees for internet access and/or data usage.

  • How does Mobile Deposit work?
    It’s secure and easy to use. Sign into your account using your Sacramento Credit Union App then follow these simple steps:

    • Select ‘Mobile Deposit’ and then ‘Make a Mobile Deposit’
    • Choose the deposit account, and enter the deposit amount
    • Take a picture of the front and back of your endorsed check.
    • Tap "Make Deposit."

  • • How do I take an acceptable picture of my check?

    • Place your check on a dark-colored, plain surface that’s well lit
    • Position your camera directly over the check (not at an angle)
    • Fit all 4 corners in the guides of your mobile device’s camera screen

  • What types of checks can I deposit?
    You may deposit checks, money orders, cashier’s checks, or traveler’s checks, drawn on or payable at or through a U.S. bank.
    The following items may not be deposited: international checks, “remotely created checks” (whether in paper form or electronically created), checks drawn against a line of credit, cash, any third party check (i.e., any item that is made payable to another party and then endorsed to you by such party), any item drawn on your personal Account at the Credit Union, any item that contains evidence of alteration to the information on the check, any check previously converted to a “substitute check”, any item that is “stale dated” more than six (6) months prior to the date of deposit, any item that is “post dated” after the date of deposit, any item stamped “non-negotiable” (whether stamped in print or as a watermark), any item that has been re-deposited or returned such as “non-sufficient funds” or “refer to maker” or returned for any other reason, any item that is incomplete, or savings bonds.

  • When will my mobile deposit be available?

    • If you transmit your Electronic Item(s) to the Credit Union before 3:00 PM Pacific Time (the “Cut-Off Time”) on any Business Day, we shall review and process your Electronic Item(s) on that Business Day.
    • If you transmit your Electronic Item(s) to us after the Cut-Off Time on any Business Day, we shall review and process your Electronic Item(s) on the next Business Day.

  • What should I do with my paper check?
    Retain the original Paper Items for a minimum of thirty (30) calendar days, but no longer than sixty (60) calendar days, from the transmission date (the “Retention Period”). Store the original Paper Items in a secure and locked container that is only accessible by persons needing access to such Paper Items. During the Retention Period and upon our request, you may need to provide us with the original Paper Item(s). Once the Retention Period has expired, securely and irretrievably destroy original Paper Items from which you have previously created and submitted to us an Electronic Item.

  • Are there any limits to the amount I can deposit using Mobile e-Deposit?
    Your first deposit should not exceed $500.00. After your first sucessful deposit, an email will be sent to you within 2 business days with your daily Mobile Deposit limits and other important information. If you have checks that exceed your daily limit, you may bring them to a branch or deposit them in an ATM.

  • How will I know if my deposit was successful?
    Upon submitting a deposit, a message indicating that the deposit was received and is being processed, along with the date, receipt number and deposit amount will appear on your screen . The Mobile Deposit History screen will show that your deposit is ‘complete’ once it has been processed.

  • How will I know if there is an issue with my deposit after I submit it?
    If a problem arises with your deposit, such as a returned check, we’ll send you a notice via email or U.S. mail.