Safe credit union mobile deposit funds availability

Mobile Check Deposit allows you to take a picture of a check to make deposits to your First Service account using your iPhone, iPad or Android device. Save a trip to the credit union by depositing your checks with your smartphone or tablet by using our free First Service FCU Mobile App with Mobile Check Deposit.  Mobile Check Deposit is offered by First Service with no service charge!*

Eligibility Requirements

• Your account must be in good standing and open for at least 90 days
  
• You must be enrolled in FirstCU Online Account Access
  

Check Deposit Guidelines

You can only deposit checks into accounts held by the person that the check is made payable.  Mobile Check Deposit is not available for foreign items, savings bonds, or money orders.

• Up to 2 deposits per day for a total of $2,500 may be deposited.
  
• Monthly maximum deposit limit of 10 deposits for a total of $10,000.
  
• Checks must be endorsed by all payees on the back and must include “For Mobile Deposit at FirstCU.”
  
• Enter the check amount that matches the written amount on the check.
  
• Take photo in a well-lit area; a solid, dark background works best.
  
• Ensure all check corners are in the view finder and hold phone flat.
  
• Ensure the MICR line is readable (string of numbers on the bottom of the check).
  
• You will receive a confirmation message via e-mail on the same day deposit is made.
  
• Once the check is approved, hold the original check for 7 days and then securely destroy.
  

Funds Availability

• All mobile check deposits are subject to review and approval.
  
• Standard check holds may apply.
  
• Check the status of deposits in your online deposit history.
  
• Funds deposited before 3:00 pm on a normal business day will generally be available on the fifth business day after the deposit.
  
• Funds deposited after 3:00 pm on a normal business day, or on a weekend or holiday, will generally be processed the following business day  with availability on the fifth day following processing.
  
• All deposits are subject to review and funds from your deposit may not be available for immediate withdrawal.
  

If you are interested in signing up for Mobile Check Deposit, call 614-836-0100 during normal business hours to activate this service.

*If an item you transmit for deposit is dishonored, rejected or otherwise returned unpaid, you agree that we may charge back the amount of the return to the account the check was originally deposited to; and you may be assessed a returned deposit item fee.

Mobile Banking App

Access your accounts anytime, anywhere from any mobile device.  We make it easy through our Mobile Banking App. Manage your money on the go!

With Mobile Banking, you can:

• Check account balances instantly
• View your recent transactions
• Pay bills in minutes
• Deposit checks quickly and easily with Mobile Deposit
• Transfer funds to eligible accounts

With Mobile Banking, your information is fully secure.–Mobile account access is as secure as a vault. With multiple layers of authentication, you’ll never have to worry about the wrong people getting your information. A personal LogOn ID, Security Code, and industry leading security measures keeps your information safe.

Download the Campbell Federal Credit Union Mobile Banking App from the Apple App Store or Google Play.

Once you download the Mobile Banking app, you will use the same LogOn ID and Security Code as you set up for Online Banking. 

New to Online Banking? Register for Online Banking first, then download the app.

Mobile Deposit

Mobile Deposit is a tool 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. To get started, download Campbell Federal Credit Union’s Mobile Banking App today from the iTunes store or the Google Play store.

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

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, account # and the words “For mobile deposit only”.
• Open the Campbell Federal Credit Union Mobile Banking App.
• Select “Deposit”.
• Select “Deposit Check”.
• Select the account the check is to be deposited into.
• 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 Eastern 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”. You may contact the credit union by calling 800-257-5354 or 856-486-3250.
• If your check is processing, its status is changed temporarily to “Under Review”.
• Our daily cutoff time for accepting Mobile Deposits is 2pm Monday through Friday, excluding federal holidays. Deposit items that we receive after 2:00pm, 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 2:00pm, it will usually be deposited into your account between 4:00pm and 6:00pm that day (the status of your deposit will change to “Accepted”).
• When your check is deposited into your account, the first $200 of your deposit will be made available to you by 5pm that day. The remainder will be placed on hold for up to 2 business days. Longer holds may apply in certain situations. (See Funds Availability Disclosure)
• Once the status of your deposit changes to “Accepted” please safely destroy the paper check! You will be able to view a legal image of your check in Mobile Banking (under “Deposits”, then “View Deposit History”) and we will use the legal image for any further processing.
  

Most checks are eligible to be Mobile Deposited.  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.
• Checks in excess of $3,000.

**Your account must be in good standing to use Mobile Deposit.  The Mobile Deposit service may be revoked at any time without notice.

Read our Tips for Using Mobile Deposit

Read our Mobile Banking & Deposit Q&A for more information!

CFCU Cards App

Enjoy easy and on-the-go management of your Debit Card and/or Credit Card with the CFCU Cards app from Campbell Federal Credit Union! This app offers a convenient way to:

• View recent and pending transactions.
• View account details.
• Make a payment to your credit cards.
• Report your card lost or stolen.
• Raise a dispute on a transaction.
• Set alerts and controls on your Campbell Federal Credit Union Debit and Credit Cards.
• Set travel notifications.

Card registration is easy from any mobile device, and access is secure and protected by multi-factor authentication.

Download the CFCU Cards App from the Apple App Store or Google Play

Read our CFCU Cards App Q&A  for more information!

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