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Mobile Deposit

Mobile Deposit

With your busy schedule as a first responder, you don’t always have time to visit your nearest SFPCU branch to deposit checks. So SFPCU delivers the convenience of Mobile Deposit which enables you to deposit checks from anywhere in the world using your camera-equipped mobile device.

Save time and money with this secure feature. All you need is an active SFPCU Checking or Savings Account and the SFPCU Mobile app and DeposZip app on your mobile device. SFPCU’s Mobile Deposit is supported on Android (2.1+ OS), iPhone 3GS or newer, and iPad2 or newer.

Getting Started

  • Open Mobile Banking and select the Mobile Deposit tab. In the menu, select the DeposZip link and follow the directions.
  • After your device downloads both apps, open Mobile Banking, select your account, click OK, and agree to our Mobile Deposit Terms and Conditions.
  • If you don’t have the SFPCU Mobile Banking app, download it for free in the Android Market (Google Play) or iTunes App Store. Then follow the directions above.
  • Make sure you’re using the most updated version of the SFPCU Mobile Banking app.

Launching Mobile Deposit

  1. Open the SFPCU Mobile Banking app
  2. Select the Mobile Deposit tab
  3. Confirm the account by clicking OK
  4. Now you can deposit your check!

Making a Deposit

  1. Write out your check and endorse it
  2. Place your check in a well-lit area
  3. Enter the amount of your check in the Mobile Deposit app
  4. Select the Take Photo button
  5. Align your check within the green box, allow your phone to focus, and touch the screen to take a photo
  6. Repeat these steps to capture the back of the check

Click the Submit Deposit button and you’re done!

Next Steps

After your check processes, write the reference number on your check and store your check securely for 7 days after your deposit. Then you may destroy it. This allows sufficient processing time in case the original check is required for any reason.

Frequently Asked Questions

What devices work with Mobile Deposit?

Mobile Deposit is only available for the following devices:

  • iPhone 3GS or higher
  • iPod touch 4S or higher
  • iPad 2, iPad 3 and iPad mini
  • Smartphones with the Android 2.1 Operating System or greater
  • Android Tablets

What types of accounts accept Mobile Deposit?

You may deposit funds to any of your SFPCU checking, savings or money market accounts.

Is there a fee to use this service?

SFPCU offers Mobile Deposit free to our members. Fees from your mobile or data carrier may apply.

How do I begin?

First, make sure you’re enrolled in Online Banking.

  • Visit the iTunes App Store or Android Market (Google Play) and download the SFPCU Mobile Banking app
  • Open up the SFPCU Mobile Banking app and activate your Mobile Banking access
  • Select the Mobile Deposit tab and follow the instructions

Are there any limits on my deposits using Mobile Deposit?

You are not limited to the number of deposits you can make. However, there are daily and monthly limits on the deposit amounts that can be processed per account.

  • $10,000 daily
  • $50,000 per any 30 consecutive calendar days

Are deposits made using Mobile Deposit secure?

Yes. The link between your mobile device and our Mobile Deposit site are encrypted to the highest industry standards.

When will my deposit be credited to my account?

When your account is credited using Mobile Deposit will depend on the amount of the check. It may take up to 1-2 business days for the total deposit to post. If there are any errors on the deposit, it may take longer to post to your account.

How will I know when my check has been deposited?

You will receive an email confirmation that your deposit has been processed. We recommend you write down the reference number to the check and keep for your records.

What should I do if I have a check for an amount that exceeds the limit?

Please visit a SFPCU branch for any checks written over an amount of $10,000.

Are there any types of checks that cannot be deposited using Mobile Deposit?

Only single-party domestic checks made payable to the member may be captured for deposit with Mobile Deposit. The following items cannot be deposited with Mobile Deposit:

  • Checks payable to a name other than the listed on account (i.e., business name, nickname etc.)
  • Items stamped “non-negotiable”
  • Post-dated or stale-dated checks
  • Incomplete checks – checks missing any required information
  • Third party checks – checks payable to someone else, endorsed and signed over to you
  • Foreign checks – checks payable to you and drawn on a financial institution in another country
  • Altered checks – checks that contain evidence of alteration to information on the check
  • Checks purported to be a lottery or prize winnings
  • SFPCU checks drawn on your account
  • Checks previously submitted for deposit

What should I do after I have submitted a check with Mobile Deposit?

After your check is scanned, please write your deposit reference number on your check and store in a safe place for 7 days or until the deposit appears on your monthly statement and then you may securely destroy it. Please destroy the check or clearly mark it as "VOID" if you prefer to keep it for your records. Be sure the check is not rescanned or deposited elsewhere.

I have an image error with Mobile Deposit. What should I do?

Please double-check the following:

  • Your check photos are clear and legible. Be sure that there are no shadows on the check; the check is not excessively wrinkled or corners are bent; the image is not blurry from “shaky camera”; and the writing is contained within the relevant spaces on the check
  • You have positioned the check against a dark or contrasting background
  • The MICR line (the bottom part of the check that includes your account number and the bank routing number) is visible
  • The check number, payee, endorsement, numeric amount, written amount and MICR line are all readable
  • You have a strong signal. Using a secure WiFi connection may improve your transmission success
  • If the check continues to be rejected, please bring into a SFPCU branch or you can access our Online Check Deposit service in Online Banking

I took photos of my checks, but when I login to the app, I don't see them. Where did they go?

Only photos taken within the Mobile Deposit app can be used for deposits. After you login to the app, choose the deposit account, select amount, and then push the “Take Photo” button. Then use the camera on your device to take a photo of the front and back of the check. Photos taken outside of the app cannot be used for deposits.

What does it mean to be in "Offline Mode"?

You need to login to the SFPCU Mobile app first to access Mobile Deposit. Once logged in, you will be directed to the Mobile Deposit supporting app.

Apple Store        Google Play

If you have additional questions or encounter any problems, please contact us today.

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