Member Mobile Deposit
Context
Members in good standing who have transacted meaningfully with the credit union over more than a
month may use our mobile app to enroll for Mobile Check Deposit.
Enrollment Process
Prior to using Mobile Check Deposit, the member must enroll. This can be done on either online banking
or the mobile app by selecting
To enroll, navigate to Services | Mobile Check Deposit Enrollment.
What if it isn’t there?
If you go to Services and do not find Mobile Check Deposit Enrollment as an option, you will need to
contact Pyramid FCU for further assistance.
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Read and accept the terms and conditions.
Once you have accepted the terms & conditions, you will be able to deposit a check.
Already Enrolled? If you attempt to enroll, and get an already enrolled message, you just need to
proceed to depositing a check. This message is likely to occur if you accidentally navigate to Settings |
Mobile Check Deposit when you want to deposit a check. Instead follow the steps below for depositing a
check.
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Depositing a Check
After enrolling, to deposit a check, navigate to Transfers | Deposit Check. I can now deposit a check.
However there are a number of standard rules and limitations. See Rules & Limits later.
The Deposit Check screen has two fields on it that you need to engage. First, touch the TO ACCOUNT
entry field and pick from your account list a target account to receive the deposit. Then enter the
amount of the deposit in the AMOUNT field. When ready, click the Capture Image button.
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You will want to position the check on a solid background that contrasts with the color of the check.
Move the phone so that the camera image includes the entire check front. It doesn’t have to be really
exact because the system will crop out the background. But it is important not to cut off any part of the
check (see example below where the check back is NOT fully in the blue braces) as that may result in
either an immediate automated rejection based on quality (you will get asked to retake the photo), or a
subsequent rejection when our staff reviews the check.
Once you take the front, the screen seems not to change. You are still seeing the front of the check and
you may wonder if it worked. Notice the label at the top of the screen. If that changes to BACK VIEW
then it is time to turn the check over and capture an image of the back.
IMPORTANT NOTES:
1. Before taking the back, you must endorse it. We cannot accept unendorsed, partial
endorsements, or restrictive endorsements via Mobile Deposit.
2. Write your account number on the check either below your endorsement or as part of your
endorsement, as you normally would.
3. Add a note to the check “Mobile Deposit” after your signature (not before) so you will know you
submitted it by mobile. If the check is not accepted for some reason, you can then bring it to a
branch for deposit.
Example of a back view that is not correctly endorsed and is not in the frame, so it would reject.
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Review Your Work
When done, you will see a summary of the entire transaction including the data you entered, the front
image and the back image. At this point you have the option to change any of the data or retake the
front or back of the check. Review it all and make any corrections. If ready, scroll to the bottom and
choose Submit.
At this point your check is NOT DEPOSITED into your account. It has only been successfully submitted
for review.
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Tracking Your Activity
To follow what is happening to your check, choose the Activity button in Transfers | Deposit Check.
This will give you two choices, to look at checks that have been submitted, and to look at checks that
have been Accepted.
When you choose one of these buttons, checks that have been Submitted only or Submitted and
Rejected appear under the Submitted button. Checks that have been Accepted appear under the
Accepted button. Neither SUBMITTED nor ACCEPTED means DEPOSITED and FUNDS AVAILABLE.
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Status: Submitted (see above) means you have sent the check to Pyramid FCU. Our team has not yet
reviewed it. Review typically happens within a few business hours at which time the status will change
to either Rejected or Accepted.
Status: Rejected (see above) means Pyramid FCU has reviewed your check in an attempt to deposit it,
but something is wrong and we can’t accept it using Remote Deposit. Our staff will select from one of
several standard reasons which will appear in the Description (see above). The check can still be
submitted for deposit through another channel (at a branch or by mail).
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When will I have access to the funds?
Using your mobile app or online banking you will see when the funds are deposited as they will appear
as history in the Activity Center of mobile or online banking and in the balances. Funds availability rules
are exactly the same for mobile deposit as they are for all other means of depositing a check.
Consequently funds deposited may not all be immediately available depending on the specifics of the
situation.
Rules & Limits
There are quite a few rules that generally manage risk and most members won’t encounter them. Some
kinds of checks are not accepted via mobile deposit because they are highly associated with check fraud.
Checks written or constructed in an unusual or non-standard fashion may still be acceptable, but not by
mobile deposit. If you get an error, you probably will need to deposit that check in a branch.
The standard check limit is $2000.
The standard monthly limit is $5000.
Any of the limits and rules can be customized for your particular situation if we underwrite the
exception. This means that we have a lot of flexibility to be able to manage your particular situation. So
if you will commonly be getting checks that hit some general rule, talk with us and we can explore the
risk. In many cases we can make an exception for your particular situation. This is especially true when
we’re working with a long-standing member who has used mobile check deposit for some time and also
has processed the check in question manually multiple times.
For example, you get a rent check every month for $3000, exceeding the regular check limit. We can
look at that historical activity and likely make an exception so that this check can be deposited in spite of
the general limit.
Various Error Messages
Mobile Deposit generates a range of error messages. Here are some of them and information on what
they mean and what to do next if you see them.
Already Enrolled
If you attempt to enroll, and get an already enrolled message, you just need to proceed to depositing a
check. This message is likely to occur if you accidentally navigate to Settings | Mobile Check Deposit
when you want to deposit a check. Instead follow the steps for depositing a check.
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Check Already Submitted
The mobile deposit application only accepts one submission of a given check. If you attempt to submit
the check and encounter a problem resulting in the check being rejected, you will have to deposit it
using a different channel, such as by mail or bringing it to a branch.
RDC Unavailable
This is a generic warning, usually followed by specific instructions, such as Retake photo.
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