ECSFCU Mobile Deposit FAQ
How do I make a deposit to my account using Mobile Check Deposit?
It's easy! You will need to download the Mobile App to your phone. Open the ECSFCU Mobile App, select mobile deposit and simply follow the prompts as they are presented to you.
- Endorse your check by signing your name and writing "for mobile deposit only" on the back
- Select the account that you want to make the deposit to
- Enter the dollar amount
- Take a photo of the front and back of your endorsed check
- Finally, review your deposit information and submit
Our general policy is to make funds from your check deposits available to you on the first business day after we receive your deposit, however all checks are subject to verification and collection and a longer hold may be placed.
What do I do with the check after depositing it?
After your check is scanned, please store your check in a safe place for two weeks or until the deposit appears on your monthly statement and then securely destroy it or clearly mark it as "VOID" if you keep it for your records. Be sure the check is not rescanned or deposited elsewhere.
How many checks can I deposit using Mobile Deposit?
Only one check at a time is accepted, however you may deposit multiple checks during a single session. There is no limit to the number of checks deposited in one day, however the total dollar amount you may deposit each day will be displayed on your mobile device.
What checks are eligible for Mobile Deposit?
All personal and business checks, money orders and cashier's checks are accepted. Neither Foreign Checks nor Savings Bonds are accepted as they cannot be processed electronically.
Are there any unacceptable deposit items?
Yes. They include:
- Altered checks
- Incomplete items (missing information, numeric and written amounts differ, item not properly endorsed, etc.)
- Non-negotiable items (such as coupons)
- Non-readable or non-visible MICR line items
- Deposits from the same account that the deposit is being made to
- Torn or damaged checks
- Stale dated checks. Most checks are staled dated after 180 days, however many may be staled dated sooner and this should be printed on the face of the negotiable instrument
If I discover I've entered an incorrect amount for a deposited check, should I redeposit the check?
No. The check can only be deposited into Mobile Deposit once. If you entered the check amount incorrectly, please call or text us at 619-588-1515 during regular business hours or send us an e-mail at memberservice@eastcountyschools.org.
How will I know if the deposit was accepted?
A success message will appear on your phone. You can also review past mobile deposits on the Mobile "Deposit History" screen.