Mobile Deposit FAQ

We’ve compiled answers to some of members’ most common questions regarding mobile deposits. Do you have a question? Browse here. Please feel free to connect with us with any additional questions or if you need clarification on anything – we’re happy to help!

What is Mobile Deposit?

Mobile Deposit is a feature within Mobile Banking that allows members to make deposits electronically into their account from wherever they are. Simply take a picture of the front and back of the check from your iPhone, iPad, iPod Touch 4G or any Android mobile device and the funds are electronically deposited into your account.


How do I sign up for Mobile Deposit?

This feature is available to Mobile Banking users with iPhone and Android mobile devices. Once you log into Mobile Banking for the first time, choose Mobile Deposit from the menu or quick button, select one of your accounts, and accept the User Agreement. This completes the registration process. Please Note: Eligibility is subject to Credit Union approval. The service is provided free to members; however, usage rates from your mobile provider may apply.

First-time Mobile Banking users must first be enrolled in Scient FCU Online Banking.


What type of device can I use for Mobile Deposit?

The following devices support Mobile Deposit:

  • All iOS devices with a camera and operating system version 5.1 or newer (including iPods and iPhones)

  • iPads from generation 3 and above (and iPad2 by request)

  • All Android devices with a camera and operating system version 2.3.4 and newer


Is there a fee for using Mobile Deposit?

No, this is a free service provided as benefit of membership. You may, however, be charged data or other internet access fees. Check with your mobile services carrier for details on data usage plans and service charges.


Which accounts can I make deposits to?

You can make deposits to your Scient FCU Checking and Membership Share Accounts. Deposits cannot be split between multiple accounts. If a deposit needs split, post to your savings account and then transfer via Mobile Banking.


How do I make a deposit using Mobile Deposit?

Making a deposit is simple! Follow these steps.

  • Endorse the check as follows: All payees endorse as usual followed by “For Scient Mobile Deposit Only.” Login to Mobile Banking and choose Mobile Deposit from the menu
  • Choose the account to deposit funds.
  • Tap the amount field and enter the amount of the check.
  • Tap the Check Front camera icon to take a photo of the front of the check and tap Next.
  • Flip the check over and tap the Check Back icon to take a photo of the back of the check and tap Next.
  • Tap Submit.
  • Confirm the deposit amount is correct and both images are readable. Tap Confirm
  • The deposit will process and confirm if it has been accepted or is being held for review.
  • Note the deposit reference number on the check and keep the check in a safe place for 30 days. After 30 days the check can be shredded and disposed of.


Are there any deposit limits?

Yes, when your registration is approved your limits are set. The standard limits are $5,000 per deposit, $5,000 daily and $10,000 in a rolling 30 day period. You can make more than one deposit per day as long as the total deposits do not exceed the daily limit.


When is my deposit credited to my account?

All deposits made via the SFCU Mobile Deposit service must be received by us by 2:00pm EST, in order for such deposits to be created on the business day the deposits were transmitted.

All deposits made via the SFCU Mobile Deposit service received after such deadline (or received on a day other than a business day, i.e. Saturday, Sunday or a banking holiday) shall be credited on the business day following such receipt.

Funds from approved deposits are immediately available based on our Funds Availability Policy Disclosure


When will my funds be available after making a deposit with SFCU Mobile Deposit?

Funds from approved deposits are immediately available based on our Funds Availability Policy Disclosure


Will I receive an email after making a deposit with Scient FCU Mobile Deposit?

You will receive a confirmation email within 4 hours after submitting your deposit informing you whether or not the deposit has been “approved” or “declined.” If your deposit is made after 3:00 pm EST you may not receive the approval or decline email until the next business day.


Can I deposit any check through Mobile Deposit?

Most checks can be deposited through Mobile Deposit if payable to you and drawn from another financial institution in the United States. All checks must contain the proper endorsement for this service, all payees endorse followed by “For Mobile Deposit Only.”

The following checks/negotiable items are NOT acceptable:

  • Foreign Checks
  • Third Party Checks
  • Photocopies of Checks
  • Savings Bonds
  • Checks written to you that are drawn on any other account you may have at the Credit Union
  • Items stamped “non-negotiable”
  • Stale or posted dated checks
  • Incomplete checks
  • Checks that contain evidence of alteration
  • Checks implied to be from lottery or prize winnings
  • Checks previously submitted for deposit
  • Credit Card Convenience Checks


I keep receiving an image error?

Here are some tips and tricks for taking quality images using your Android and iPhone:

Lighting Conditions: Bright but indirect light is best. Placing the check too close to lighting sources may cause shadows.

Background surface: Any surface of a solid color that contrasts with the check is best. Use a dark-color surface for light checks; a light-color surface for dark checks.

Document Zooming: Make sure that the bottom of the check is aligned with the base guideline on the camera when taking the picture.

Image Size: Use the green guidelines to properly zoom and scale. Make sure the entire check appears in the guidelines and fills the space as much as possible.

If you receive an image error try again using the above tips.


What should I do with the check after I deposit it?

Keep the check in a safe place for 30 days after confirmation of deposit and then shred.


I don’t have an iPhone or Android mobile device. Can I use Mobile Deposit?

No. Mobile Deposit is only available with iPhone and Android devices.