Mobile Check Deposit

Check Selfie!

Mobile Check Deposit makes it easy and convenient to deposit checks anywhere, anytime from your camera enabled smartphone or iPad into your checking account. 

Watch our Phone Mobile Check Deposit Crash Course or Tablet Mobile Check Deposit Crash Course to see how this great feature of MyMobile works! 

Mobile check deposit

Ascentra mobile app on cell phones

Qualifications and How to Sign Up:

Mobile deposit will be automatically enabled in your mobile app for checking accounts in good standing, with a valid e-Mail address on file, that have been opened:


  • Less than 60 days, a daily limit of $500 is in effect.
  • Over 60 days, a daily limit of $2,000 is in effect.


Making a Mobile Check Deposit

  • Make sure the name that the check is written to is on the account.
  • Endorse the check with your signature and write in "For Mobile Deposit Only". (Note: some checks have a pre-printed checkbox with the words "Mobile Deposit Only" on the back - even if you select this, you are required to write "For Mobile Deposit Only".)
  • Open the Ascentra MyMobile App, select "Deposit" and follow the prompts.
  • Temporarily store the original check in a safe place.


Rules and Deposit Timing (all times mentioned are Central Standard Time) 

After you have successfully deposited a check, its status will be “Pending” until it is reviewed.


  • If your check cannot be accepted, its status will change to “Failed” and we will attempt to contact you. You may contact the credit union by calling 563-355-0152 or 800-426-5241, ext. 0.
  • If your check is processing, its status is changed temporarily to “Under Review”.
    Our daily cutoff time for accepting mobile deposits is 3:00 pm Monday through Friday, excluding federal holidays. Deposit items that we receive after 3:00 pm, or on non-business days, will be processed on the next business day (Monday through Friday, excluding federal holidays). If your check is accepted before our daily cutoff time of 3:00 pm (mentioned above) it will usually be deposited into your account between 4:00 pm and 6:00 pm that day (the status of your deposit will change to “Accepted”).
  • When your check is deposited into your account, the first $300 of your deposit will be made available to you immediately. The remainder will be placed on hold for up to 2 business days. Longer holds may apply in certain situations.
  • Once the status of your deposit changes to “Accepted” please destroy the paper check! You will be able to view a legal image of your check in MyMobile (under “Deposits”, then “View Deposit History”) and we will use the legal image for any further processing. 

Most checks are eligible for mobile deposit except for the following types:


  • Checks payable to any person other than you. 
  • Checks payable to you jointly with one or more other persons, unless deposited into an account in the name of all payees. 
  • Checks that have been previously negotiated (including checks that may have been returned), remotely created, Sight Drafts, or checks more than 6 months old (stale dated).
  • Checks drawn on a financial institution located outside the United States or not in United States currency.
  • Insurance Claim Checks, Money Orders (Postal and Money Gram), Traveler’s Checks, Credit Card Cash Advance Checks.

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