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Mobile Deposit

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Deposit a Check in a Snap!

Anytime. Anywhere.

Deposit checks from your phone – save a trip to a branch or ATM. All it takes is FCU’s free mobile app and a few quick snaps. 

To prevent fraudulent activity, we ask that you sign up for the service. Simply call or send a secure message through FCU Anywhere.

Get the app:

Apple Store® Google Play®

Benefits of Mobile Deposit

On-the-go convenience

Deposit checks directly from your mobile device into your qualified FCU checking or savings account – anytime, anywhere!

Security

The photograph of your check isn't stored on your phone. Instead, they’re encrypted and stored within FCU database.

It’s quick and easy

We streamlined the process so that it takes less than a minute to deposit your check.

Get Started with Mobile Deposit¹


Call or visit your local Florida Credit Union branch or send a secure request in FCU Anywhere online and mobile banking to sign up for the service. 

Once your account has been set up for mobile deposits, you will need to:

Step 1

Download the free FCU Anywhere Mobile App. The app is available in the Apple Store® and Google Play® stores.

Step 2

Login and select Mobile Deposit.

Step 3

Check to make sure you have signed the check and “For mobile deposit only at FCU” is written on the back along with your account number.   

Step 4

Take pictures of both sides of the check and follow the instructions provided. Review all information and then submit.

Mobile Deposit FAQs


What devices can I use to deposit my checks?

Here are the system requirements for using the FCU mobile app.
  • All iOS devices with a camera and last two major operating system versions
  • All Android devices with a camera and operating system version 5.0 and above
Types of checks accepted with mobile deposit:
  • Personal checks
  • Business checks
  • Government/treasury checks
  • Cashier’s checks
  • Checks must be from a U.S. institution and in U.S. dollars.

Types of checks not accepted with mobile deposit.
  • Foreign checks
  • Travelers checks
  • Money orders
  • Savings bonds
  • Convenience checks
  • Checks made payable to names not on your account.
There is no additional fee for using the Mobile Check Deposit service, but we do recommend that you check with your service provider to see if there are any wireless carrier fees.
We will generally make the first $225 of a day’s total deposits available the following business day with the remaining amount subject to holds, based on the account type.
Yes, you will receive your daily and monthly limit information when you are set up for Mobile Deposits. The app will also tell you how much is available at the time of deposit.
Once you receive deposit confirmation and print the confirmation for your records, keep the check for 14 days and then destroy it as a security measure. There is no need to mail the check to FCU.
No. We only accept check images uploaded directly through the mobile app.
Yes, the image of the check will be available in the app for 90 days.
Yes, you are able to transfer funds to other financial institutions using the mobile app.
Once the funds are available in the account the check was deposited in, you can perform a fund transfer between FCU deposit accounts and the funds will be available immediately.
No. The system reads the dollar amount written on the front of the check. If necessary, we’ll correct the amount within 2 to 3 business days.
No, you cannot upload the returned check. Your account will be assessed a return item fee (refer to FCU Fee Schedule) and you will receive a copy of the deposit. If you wish to redeposit the returned check, you may do so by mailing the image of the item to FCU.
Once you’ve made your deposit, you will get an email confirmation that we’ve received your deposit and are processing it. If there is any problem with the transaction, like insufficient funds or potential fraud, you’ll receive an additional email with further instructions.
There may be a problem that requires staff to review the image of the check. This process will happen within one business day. Once reviewed, the deposit is reflected in your account.

If you did not receive confirmation, your Mobile Deposit may not have been successful. Please contact FCU Member Support to determine your next step.

DISCLOSURES



1. Approval required.