Mobile Deposit FAQ

What is Mobile Deposit?

Mobile Deposit allows you to securely deposit paper checks using your camera-enabled mobile phone or tablet. You no longer need to visit a branch or mail in your check. With APL FCU's mobile app, you can capture an image of your paper check and submit it electronically to the APL FCU deposit or loan account you designate.

How do I sign up for Mobile Deposit?

You must be enrolled in Digital Banking and have the APL FCU Mobile app on your smart phone to use Mobile Deposit. If you do not already have the app on your phone, you can download it from the App Store (Apple devices) or Google Play (Android devices) by searching "APL FCU". iPad users should download the app from the iPhone section of the App Store. In the APL FCU Mobile App under the Accounts section, click the Mobile Deposit link and accept the User Agreement. You will receive an email notification with the status of your registration request.

What are the hardware and software specifications for Mobile Deposit?

Apple’s App Store

• iPhone 3GS or higher
• iPod touch 4S or higher
• iPad 2 and iPad 3
• Cameras must have auto focus feature

Google Play (i.e. Android)

• Smartphones with the Android 2.5 Operating System or greater
• The newest version of the APL FCU app, 1.11 or greater
• Android Tablets
• No “Small Screen” support, i.e. all but “QVGA” 240wx320h are supported
• Cameras must have auto focus feature

What are the qualifications for Mobile Deposit?

• Must be enrolled in Digital Banking
• Must be an APL FCU member in good standing

Is there a fee for Mobile Deposit?

No. Mobile Deposit is a free service for APL FCU members.

Are there limits to the number of deposits I can make, or the dollar amount?

There are no limits to the number of deposits you can make, but there are daily and monthly dollar limits. Your specific deposit limits will be displayed when you go to the deposit screen.

How do I know if I’ve already deposited my check through Mobile Deposit?

You can check your account history by clicking the History tab within Mobile Deposit or you can check within Digital Banking to ensure that it was not deposited through another channel. Checks should appear in your history within 1 or 2 business days.

What type of accounts can I make a deposit to?

Deposits can be made to your APL FCU Savings, Checking, Money Market, or loan accounts.

How should I endorse the check?

Items deposited using Mobile Deposit require your endorsement just like other deposits. When depositing using Mobile Deposit, we ask that you endorse your checks this way:

Member Signature(s)
To Account# XXXXXX-XX
For Mobile Deposit Only APL FCU

How long should I hold onto my physical check(s) after submitting the image? What do I do with them?

You should securely store any original checks you deposit for at least 30 days after your deposit is accepted. This will protect you in the event the payee’s check bounces or there are any other issues with the check. After 30 days you should shred the original check or destroy it by another secure method.

Tips for taking quality photos using your Android or iPhone

Lighting Conditions

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

You may even try to prop the check upright to avoid shadows.

Background Surface

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

Image Size

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

What types of checks can be deposited?

Acceptable checks

• Single-party, domestic checks made payable to the owner(s) of the APL FCU account.

You agree that you will not use Mobile Deposit Services to submit any of the following:

• Checks or items payable to any person or entity other than you (i.e. no third party deposits).
• Checks or items payable to any commercial or business entity.
• Checks or items drawn on foreign financial institutions or payable in other than U.S. Dollars.
• Checks or items containing apparent alteration to any of the information on the front of the check or item.
• Checks or items which you know or suspect (or should know or suspect) are fraudulent or otherwise not authorized by the owner of the account on which the check or item is drawn.
• Original checks or items previously converted to a substitute check.
• Checks or items that are remotely created checks or items as defined within Regulation CC.
• Checks or items dated more than six (6) months prior to the date of deposit.
• Checks or items dated in advance of the date of deposit (postdated).
• Checks or items prohibited by the credit union’s current documentation relating to Mobile Deposit.
• Services, or checks or items that are otherwise not acceptable under the terms of your account(s).

How will I know if my deposit is received?

You will receive a confirmation email.

When will my deposit be available?

Our policy is generally to make funds from the Mobile Deposit Service available to you after 6:00 pm on the first business day after we post your deposit to your account, however longer holds may apply. If you make a deposit via the Mobile Deposit Service after the cut-off time of 3:30 p.m. EST, or on a day that is not a business day, we will consider such a deposit made on the next business day we are open.

How do I view my deposit history? How much history is available?

Click on the Deposit History tab at the bottom of the page. A listing of your imaged deposits will be displayed. History is available for 18 months. If you are not in Mobile Deposit and want to view your history, login and click on Mobile Deposit. Choose an account as if you're making a deposit. Once inside, you will be able to review any pending transactions or history.

How do I get help if I encounter a problem?

Mobile Deposit is designed as an easy-to-use, self-service product with built-in help. You may also contact us at MobileDeposit@aplfcu.org. Please do not provide sensitive data in this email communication. If you need to address a specific transaction or account, please use our Web-based Communications Center to securely contact us over email.

How do I make a remote loan payment?

With APL FCU's Mobile Deposit service you can actually make a payment to your APL FCU loan right from your smartphone or tablet. Save a stamp or a trip to the branch with this simple process.

How Does it Work?

Please endorse the loan payment check with:

For Mobile Deposit Only
Your Signature
Your Account Number or Loan Number (if you are making a loan payment)

Then simply sign into the APL FCU Mobile app on your smart phone and select "Mobile Deposit" from the main menu. Select which account or loan you would like this check to be deposited to and enter the dollar amount. Next, you will capture images of the front and back of the check within the app and submit the transaction. It's that easy. If you do not have our mobile app, search: APL FCU from the App Store (Apple devices) or Google Play (Android devices).