Mobile Deposit FAQs:

Q: What is Mobile Deposit?
A: Mobile Deposit is a secure and convenient way of making deposits with your mobile device anytime, anywhere! Take photos of the front and back of your check and submit. Review the deposit and done!

Q: How do I get started?
A: Download the current version of the Credit Union 1 Mobile App (CU1 App). The application works with iPhone, iPad, iTouch and Android (2.1 operating system and higher) platforms. You must be enrolled in Credit Union 1's OnLine Access. Signing up is easy! Visit any CU1 branch or call our Member Service Center at (907) 339-9485 or 800 478-2222.

Download the Credit Union 1 App on your smartphone today!

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Q: How do I qualify for Mobile Deposit?
A: To qualify for Mobile Deposit, you need to meet a few simple requirements. If you already have a checking account with CU1, your account must be at least 30 days old and have $200 in deposit history. If you’re a savings account only member, your account must be at least 90 days old. As with any check deposit, funds may be placed on hold for three business days, pursuant to Credit Union 1’s Funds Availability Disclosure.

By downloading the Credit Union 1 app, you agree to our Mobile Deposit Service Agreement.

Q: Can I make a payment using the mobile deposit app, or is it for depositing into savings and checking only?
A: Yes, you can deposit to both accounts and loans. A scrolling menu allows you to choose which account or loan you want to deposit to – even a mortgage.

Q: Is there is any kind of limit on the mobile check deposits?
A: The maximum amount per deposit per day is $1500. Maximum deposit amount within 30 days is $5000. Maximum items per day is 5 checks.

Q: Do the checks have to be signed?
A: Yes, checks need to be negotiated either with a signature or “for deposit only.”

Q: When will my deposit post?
A: On weekdays (excluding holidays), the morning cutoff time for “same business day” posting is 9:45am AST. These checks will be processed around 11:00am. In the afternoon, the cutoff time for “same business day” posting is 3:45pm AST, and checks will be processed around 5:00pm.

On weekends (excluding holidays), the cutoff time is Saturday at 3:45pm. These checks will be processed around 5:00 pm.

Up to $250 of your deposit will be available immediately after posting. The remainder may be placed on hold up to 3 business days, pursuant to our Funds Availability Disclosure.


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