IMPORTANT REGULATORY CHANGES TO EXPRESS DEPOSIT (MOBILE CHECK DEPOSIT)
All checks submitted for deposit through Express Deposit (Mobile Check Deposit) must include:
- Member Signature
- "For Mobile Deposit Only at JSC FCU" written below the endorsement
Express Deposit 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
- Save time and money
- FREE access via JSC FCU mobile app
- Quick and Convenient
Express Deposit - Mobile Check Deposit allows members to deposit checks using the integrated camera on their mobile device. With Express Deposit - Mobile Check Deposit you can deposit a check to your savings, checking or loan account.
Express Deposit - Mobile Check Deposit is accessible within the JSC FCU Mobile App.
A 3G connection will work for Express Deposit, however a Wifi or 4G connection will provide better performance.
- 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 Mobile Deposit Only at JSC FCU" with your member number and account number.
(ex: For Mobile Deposit Only at JSC FCU 123456 S75).
All Express Deposits 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 Deposit, 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 Deposit.
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.
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.
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.
You may deposit checks in amounts up to $5,000. 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. Maximum single check deposit amount is $5,000. 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.