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MOBILE DEPOSIT

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.  

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How do I enroll?

You will automatically be enrolled when you have successfully downloaded the COPOCO Mobile App.

 

 

 

 

 

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. 

  • Download our free Mobile Banking app by searching COPOCO in your app store.
  • Open the COPOCO app.
  • Select the Mobile Deposit feature from the menu.
  • Enter the amount of the check.
  • Select the account you wish to deposit funds to.
  • Endorse the back of the check (refer to special endorsement instructions below), as it is made payable to and add " For Mobile Deposit Only to COPOCO CCU" below your signature.
  • Take a picture of the front & back of check.
  • Review and approve the images of the check.
  • Submit the image for deposit.

  Q. How do I endorse my checks?

       A: You must include the following: - Payee’s signature(s) - “For Mobile Deposit Only at COPOCO CCU”

  Sample:  Mobile Deposit Endorsement

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 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.

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