It is a convenient and secure method for depositing your checks to your COPOCO Community Credit Union Checking account using your smartphone or tablet through our Mobile Banking App.
A: You must include the following: - Payee’s signature(s) - “For Mobile Deposit Only at COPOCO CCU”
Q: How does MDC work?
A: With Mobile Deposit Capture, you can safely deposit checks using your mobile device from home, work, or anywhere else you have access to the Internet.
Q: Are there deposit limits?
A: Yes, $1,500 maximum amount of single check and $2,500 maximum aggregate deposit per 24 hour period.
Q: Do check holds apply?
A: Deposits may be subject to a hold. Funds deposited will be available in accordance with COPOCO Community Credit Union’s Funds Availability Policy Disclosure found on the Disclosure page of our website: www.copoco.org under Funds Availability, Reg. CC Disclosure. Generally, checks received by COPOCO CCU before 4:00 p.m. Eastern Standard Time on a business day using Mobile Deposit Capture will ordinarily be credited with funds available within 24 – 48 hours. Checks deposited after 4:00 p.m. on a business day or on a Saturday, Sunday, or Credit Union observed holiday will ordinarily be processed on the next business day with funds available within 24 – 48 hours.
Q: How do I know if my deposit was accepted?
A: You should review the deposit history to confirm the status of the deposit. No additional notice will be sent if for any reason the deposit was rejected.
Q: What should I do with my original check once my deposit is posted?
A: Clearly mark the front of your check with “MOBILE DEPOSIT” INCLUDING THE DATE. This will prevent you from attempting to re-present the check in error. Securely store your original for 30 days, then you may shred it.
How do I enroll?
You will automatically be enrolled when you have successfully downloaded the COPOCO Mobile App.