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Mobile Deposit

Deposit checks from home

We know how busy life can get, and depositing checks might be the last thing on your to-do list. With Mobile Deposit, you can deposit checks from camera-equipped smartphones and tablets to any account you're a joint signer on, saving time and providing quicker access to funds. Not yet an Online Banking user? Sign up today!

It can't get any easier than this!

Within seconds you'll see confirmation that the deposit was received. In most cases, the funds will be available by the following business day. Imagine the time you'll save.

Get Started

Sign up for Online Banking.

If you aren’t already an Online Banking user, you can sign up today!

Download the Mobile App

Download our Mobile App, if you haven’t already.

How It Works

one

Access Mobile Deposit

  • Open the app and select the hamburger menu.
  • Select Deposit Check.
  • On your first time, you will be asked to read and agree with our Mobile Deposit Service Agreement.
two

Endorse Your Check

  • Endorse your checks.
  • Be sure to include “For Mobile Deposit Only at Fibre Federal Credit Union” in the endorsement area on the back of each deposited check. 
three

Take Pictures

  • Take pictures with your phone as directed.
  • Submit!

Real Words, Real People from the PNW

The loan department at Fibre CU was extremely helpful with our needs and were quick to communicate and help solve any concerns we had. Would recommend Fibre CU and their helpful staff!
Rolly B.

Mobile Deposit FAQs

What is the best way to ensure the image passes the image quality check?

  • Make sure there is good lighting where you take the photo of your check and make sure your camera lens is clean.
  • Place the check on a dark surface.
  • Make sure the check is clearly visible – no other objects interfere and all 4 corners of the check are evident.
  • Be sure your camera has a chance to focus on the image – being too close may make the check image blurry.

Can any check be deposited through Mobile Deposit?

No, the following checks may not be processed:

  • Third party checks – all checks must be payable to you or a signer on the account.
  • Post or stale dated checks
  • Money orders
  • Pre-authorized drafts
  • Substitute checks
  • Savings bonds
  • Checks that have been altered
  • Checks not payable through a financial institution located in the United States

Do I need to endorse the deposited checks?

Yes, checks still require a proper endorsement on the back of the check. Checks not properly endorsed may be rejected.

Are there any limits on the dollar amount and number of deposits I can scan?

For a minimum of the first 30 days of a member’s mobile deposit use, a member’s deposit will have a hold until at least the next business day when it can be reviewed. After the first 30 days, the first two deposits of a day totaling less than $500 will be made available. A hold will be set on items (single or in the aggregate) deposited in a day for more than $500 and/or deposits exceeding 2 until at least the next business day when the deposit item is reviewed.

Your deposits cannot exceed $25,000.00 in a 30 day period.

There is no minimum limit on the amount you can deposit. However, if your check is for less than $1.00, you will need to enter the amount with a zero in the dollar field (Example: 0.50 instead of .50).

What accounts can I deposit to?

You can deposit to your regular savings, sub account savings, checking, Money Market savings, and Money Market checking accounts. You cannot deposit to loan accounts.

What do I do with the checks once I've deposited them?

You should mark them as being electronically deposited (to prevent mistakenly re-depositing the checks) and store them securely for 7 days. After that, the checks should be shredded and disposed of properly to prevent misuse.

Will I receive immediate credit for my deposit?

Deposits will usually have a hold until at least the next business day and will be reviewed and verified by the credit union. Refer to the Mobile Deposit Service Agreement for details.

Are there any fees for using this service?

No. However, accounts are still subject to fees as disclosed on the Rates and Fee Schedule.

Where are the check images stored?

All check images are stored on a secure server, never on the phone! As soon as the app is closed on the phone, images are deleted.

Is Mobile Deposit safe and secure?

Yes. All Mobile Deposit transactions are completed using the highest encryption tools available.

Who is eligible for Mobile Deposit?

    If you meet these qualifications, you are probably already pre-enrolled. If not, please contact the credit union as additional qualifications may apply.

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