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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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Q: How does MDC work?

A: Endorse your check correctly (refer to endorsement instructions below). Take a picture of your check(s) using your smartphone or tablet and submit it to our MDC system.  MDC allows COPOCO CCU to capture the information from a check and clear it electronically through the ACH (Automated Clearing House) system.

Q: Is there a fee?

A: No, MDC is a free service. However, if a check is returned, fees/charges may apply.  Please refer to COPOCO’s Fee Schedule. Data rates may apply from your wireless carrier.

Q: Will I need a different username and password than the one I use for Home Banking?

A: No

Q: How do I enroll?

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

Q: What types of checks can I deposit?

A: Acceptable checks:

Single-party domestic checks payable to the owner(s) of the COPOCO CCU account.

     Unacceptable checks:

  • Savings Bonds
  • Foreign checks
  • Items payable to a third party (i.e. any entity or person not on the account)
  • Photocopies of checks
  • Items stamped "non-negotiable”
  • Incomplete checks
  • Stale-dated or post-dated checks
  • Checks that contain evidence of an alteration to the information on the check
  • Checks previously submitted for deposit
  • Checks deemed unacceptable after submitted

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 I need to include a deposit slip?

A: No, MDC generates an electronic record with each deposit.

Q: How do I deposit a check?

A: Refer to endorsement instructions above, then:

  1. Select “Deposits”.
  2. Select Account to receive deposit.
  3. Enter the amount.
  4. Take a picture of the front and back of the endorsed check(s), ensuring all four corners of the check are displayed. For the best image results, place your check on a solid, dark background using adequate lighting.
  5. Review and click "Submit".
  6. Click on "Held for Review" to check on the status. Images transmitted after 4:00 pm EST will be posted on the following business day we are open.

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: 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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