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. 

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

Mobile check deposit

Cell phone with mobile app

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 at Ascentra CU 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 at Ascentra CU Only".)
  • Open the Ascentra Mobile App, select "Transactions", then "Deposit Check". You can also access this service by clicking on the quick link "More" and then "Deposit Check".
  • 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 “Submitted” until it is reviewed. You will also receive a confirmation email with further information.

  • 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.


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.
  • Checks or items on which you are aware that a stop payment order has been issued or for which there are insufficient funds.

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