Express Deposit

Express DepositTM mobile check deposit is available through the JSC FCU mobile app. Instantly deposit your checks right from your mobile device (iPhone, iPad or Android).*

  • Safe and secure
    • Receive immediate confirmation that your check images have successfully uploaded.
  • Save time and money
  • FREE access via JSC FCU mobile app
  • Quick and Convenient

 

To use Express DepositTM you must:

  • Be 18 years of age or older
  • Access through the JSC FCU Mobile App
  • Be enrolled in Mobile Banking
  • Have a JSC FCU Checking Account

FAQs

What is Express DepositTM?

Express DepositTM allows members to deposit checks using the integrated camera on their mobile device. With Express DepositTM you can deposit a check to your savings, checking or loan account.

How do I access Express DepositTM?

Express DepositTM is accessible within the mobile app via the Transfer/Deposit menu in Mobile Banking. You must have an Android device or iPhone/iPad capable of running the JSC FCU mobile app.

What connection is necessary to use Express DepositTM?

A 3G connection will work for Express DepositTM, however a Wifi or 4G connection will provide better performance.

How do I capture the best check image?
  • Ensure the check is as flat as possible
  • Place the check against a dark, non-reflective surface.
  • Hold your device as steady as possible when taking the picture.
  • Ensure that the picture taken is clear and captures the entire check, retry the photo if the image is not sufficient quality.
  • Ensure the check is endorsed and write "For Deposit Only" with your member number and account number.
    (ex: For Deposit Only 123456 S75).
Why are deposits held for review?

All Express DepositsTM are reviewed prior to posting to your account. This is equivalent to a teller reviewing your check deposit when you come into a branch. If you require immediate credit from your check deposit, please visit a branch and deposit your check with a teller.

After your deposit is reviewed, it will either be credited to the account you indicate when making the Express DepositTM, or it will be rejected.

If your deposit is accepted your account will be credited by the second day, after the date you submitted the Express DepositTM.

If your deposit is rejected we will notify you by email or by phone. Please ensure that both your email address and phone number on file are current.

Can I deposit more than one check at a time?

Yes, you may deposit as many checks as you like. You will need to perform the same steps for each check. If you would like to deposit another check to a different account (for the same member) you can click the "back" button at the top of the app to return to the deposit account selection screen, where you can pick a different account from the drop down.

What do I do with the physical check after I have made my Express DepositTM?

We will use the digital image of the check to credit your account. You must retain the physical check for 30 days in case there are any issues with the image presentment. After 30 days, please void or destroy the physical check.

Are there any limits to the amount of the check I can deposit?

You may deposit checks in amounts up to $3,000. Any check deposited over this amount will be rejected and you will be notified.

 

*JSC FCU reserves the right to restrict access at our sole discretion. You may access Express Deposit from the Transfer/Deposit menu after logging into mobile banking on the JSC FCU mobile app. Maximum single check deposit amount is $3,000. All checks will be reviewed prior to posting to your account. Approved checks will post to your account by the end of the following business day (holds may apply). If your deposit is rejected for any reason, JSC FCU will contact you at the daytime phone number on file or email address. Please ensure your contact information is current. Message and data rates may apply. Such charges include those from your communications service provider. **Restrictions Apply. Member must qualify. Requires iOS version 4.3 and above or Android version 2.1 or above operable rear facing camera

For more information on JSC Federal Credit Union, or to find out how you can join, please call 281.488.7070 or 800.940.0708, or visit any branch office  or e-mail.

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