Mobile Check Deposit

Oh Snap! Mobile Check Deposit is designed to make it easy and convenient to deposit checks anywhere, anytime from your camera enabled (Android or iPhone) 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! Download Ascentra Credit Union’s MyMobile App today from the iTunes store or the Google Play store. 

How to Sign Up and/or Qualifications 

Mobile deposit will be automatically enabled in your mobile application based on your account meeting specific criteria. 

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. 

For checking accounts in good standing, with a valid e-Mail address on file, that have been opened over 60 days, a daily limit of $2,000 is in effect.


Steps to Deposit a Check 

  • Make sure the name that the check is made out to is on the account
  • Endorse the check with your signature and "For Mobile Deposit Only" (Note: some check have a preprinted 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”
  • The depositing account is defaulted to your checking account
  • Enter the amount of the check you wish to deposit
  • Take a picture of the front of the check
  • Take a picture of the back of the check
  • Confirm and submit the deposit
  • Temporarily store the original check in a safe place. See the “Rules and Deposit Timing” information below to find out what happens next and what you should do with your check once you have confirmed your deposit has been delivered.

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

After you successfully deposit 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. However, the following types of checks are not eligible for mobile deposit:

  • 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


Tips for Using Mobile Deposit 

  • Before logging into the MyMobile app, close all other apps running in the background on your mobile phone or iPad
  • Flatten, folded, or crumpled checks before taking your photos
  • Keep the check within the view finder on the camera screen when capturing your photos
  • Try not to get too much of the area surrounding the check
  • Take the photos of your check in a well-lit area
  • Place the check on solid dark background before taking the photo of it
  • Keep your mobile phone or iPad flat and steady above the check when taking your photos
  • Hold the camera as square to the check as possible to reduce corner to corner skew
  • Make sure that the entire check image is visible and in focus before submitting your deposit
  • Make sure there are no shadows across the check
  • Make sure that all four corners of the check are visible
  • Make sure the check is not blurry
  • Make sure that the MICR line (the numbers on the bottom of your check) are readable
  • Make sure the name that the check is made out to is on the account


If you don’t have Online Account Access yet, Sign Up Now!

Read our Frequently Asked Questions on our MyMobile Expert Guide!