DOCCU Mobile Check Deposit
Frequently Asked Questions
Q. What is Mobile Check Deposit?
A. Mobile Check Deposit is a deposit service that allows you to deposit checks to your DOCCU
savings or checking account from anywhere using your mobile device.
Q. What are the benefits of using Mobile Check Deposit?
A. This service offers you the convenience of making deposits 24/7 from any location without
having to visit a branch, saving time and money.
Q. Who can use the Mobile Check Deposit service?
A. To be an eligible user of the service, you must be an active DOCCU member for at least 90
days in “good” standing, an enrolled user of Online Banking, and have our mobile application
installed on your iPhone, iPad, and/or Android device.
Q. Do I need to apply for Mobile Check Deposit Service?
A. Yes. You will need to apply and qualify to have access to this service. You can sign up for
this service one of two ways: In person – visit your local branch. By phone – call us at 1-855447-0417. Once approved, you must agree to the Mobile Check Deposit Disclosure and
Agreement.
Q. How do I access the DOCCU Mobile Application?
A. You can download our FREE mobile app from the Apple Store or Google Play.
Q. How much does the service cost?
A. Mobile Check Deposit is FREE!
Q. What types of accounts can I deposit to?
A. Checks can be deposited into your DOCCU savings or checking account.
Q. How many checks can be included in one deposit?
A. You can deposit only one check at a time using Mobile Check Deposit.
Q. Can multiple deposits be submitted during one day?
A. Yes.
Q. Is there a limit on the amount I can deposit?
A. Yes. You can submit deposits up to $2,500.00 per check; $5,000.00 per day.
Q. How should I endorse checks?
A. All checks must be properly endorsed with your signature along with “For Remote Deposit
Only, DOCCU Account #_____”.
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Q. What types of checks can I deposit using Mobile Check Deposit?
A. Single-party U.S. checks made payable to you and/or your joint owner(s) of your DOCCU
account. The following items CANNOT be deposited using Mobile Check Deposit:
 Third-party checks
 Checks needing verification or
authorization number (e.g. COM
checks, tax refund checks)
 Incomplete checks or checks
containing obvious alterations
 Substitute checks
 Foreign checks
 Stale dated checks (more than 6
months old)
 Post-dated checks (dated for a
future day)
 U.S. Treasury checks
 Checks stamped “non-negotiable”,
“void”, etc.
 Money orders, cashier’s checks,
temporary and/or starter checks,
credit card checks, traveler’s checks,
or U.S. savings bonds
Q. When are Mobile Check Deposit items processed?
A. Items received before 3PM CST Monday-Friday (unless a holiday) will be processed the
same day. Items received after 3PM CST Monday-Friday will be processed the following
business day.
Q. Will a hold be placed on checks submitted through Mobile Check Deposit?
A. DOCCU reserves the right to hold any deposit submitted through the service as outlined in
the Mobile Check Deposit Disclosure and Agreement.
Q. What should I do with a check once it has been deposited successfully?
A. Store the deposited check in a secure location for at least then (10) business days. We do
not advise destroying the actual check until the check retention period has ended as outlined in
the Mobile Check Deposit Disclosure and Agreement.
Q. What emails should I expect to receive regarding Mobile Check Deposit?
A. Once the item is deposited, and we have reviewed your deposit, we will send a confirmation
email indicating if the deposit was ‘ACCEPTED’ or ‘REJECTED’. The email will be from:
[email protected]. These emails may be filtered into “Junk Mail” or “Spam” folders so
be sure to check those folders. If applicable, add this email address to your safe sender list.
Q. What if I do not receive an email that the deposit has been accepted or rejected, what
should I do?
A. Confirm we have your current email address by sending us a secure message via Online
Banking, or emailing us at [email protected].
Q. How can I verify if a check has been processed?
A. Log into the mobile app. Select ‘Deposit’. In the Deposit Menu, select ‘Review Past Deposits’.
The deposit history for pending and processed deposits displays.
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