Kirtland FCU Mobile Deposit Frequently Asked Questions (FAQs)
INDEX OF QUESTIONS:
1. What is Mobile Deposit?
2. What are the benefits of using Mobile Deposit?
3. Is my financial information safe with Mobile Deposit?
4. What are the eligibility requirements?
5. What are the fees for the service?
6. How does Mobile Deposit identify and prevent fraud?
7. What mobile platforms are supported by Mobile Deposit?
8. How does Mobile Deposit work?
9. How do I enroll in Mobile Deposit?
10. Do I need to agree to Terms and Conditions before I can start using Mobile Deposit service?
11. What login credentials do I use for Mobile Deposits?
12. What should I do if I need help using Mobile Deposit?
13. Can I use KFCU’s Mobile Deposit to add funds to accounts other than KFCU checking, money
market, or savings accounts?
14. What are the deposit and transaction limits?
15. What type of checks can I deposit using KFCU’s Mobile Deposit?
16. Can I deposit cash through KFCU Mobile Deposit?
17. How do I properly endorse a check I’m depositing via Mobile Deposit?
18. How long does the system retain my Mobile Deposit history?
19. Why doesn’t my balance reflect the deposit I just made via KFCU Mobile Deposit?
20. Will holds be placed on checks submitted through Mobile Deposit?
21. When will my deposited funds be available for use?
22. What should I do with my check after depositing it?
23. If I do not receive a confirmation email for Mobile Deposit service, what should I do?
24. What are reasons a check will be rejected for Mobile Deposit?
25. What steps should I take if my Mobile Deposit is declined?
26. I scanned a check and received an email instructing me to bring the check to a branch office or
mail it in. Why?
27. The check I deposited was returned. What do I do?
28. What happens if I accidently deposit the check into the wrong account?
29. What if I deposit the same check twice?
30. Will KFCU accept post-dated checks deposited via Mobile Deposit?
31. The check has an altered MICR line. Will the check be accepted for deposit via Mobile Deposit?
32. I had to close my account due to fraud. Do I have to wait 90 days to be eligible for KFCU Mobile
Deposit?
33. I’m recently married/ divorced and changed my name. Will KFCU accept my endorsed check via
Mobile Deposit?
1. What is Mobile Deposit?
A. Mobile Deposit is a convenient service that allows you to deposit checks using the camera on your
Apple or Android smartphone or iPad and KFCU’s FREE App.
2. What are the benefits of using Mobile Deposit?
A. The primary benefit of Mobile Deposit is that you can make deposits wherever you are, 24 hours a
day, without having to go to a branch or ATM.
3. Is my financial information safe with Mobile Deposit?
A. YES! As part of KFCU Mobile Banking, you will be required to provide a unique username and
password each time you log in on your smart device. To prevent unauthorized access to your account,
be sure to log out once your online account activities have been completed.
4. What are the eligibility requirements?
A. As long as you’re a member in good standing with KFCU, you will automatically become eligible at
day 91 of your membership.
5. What are the fees for the service?
A. As a component of KFCU’s FREE Mobile Banking, Mobile Deposit is also free of charge.
6. How does Mobile Deposit identify and prevent fraud?
A. We require each item to be endorsed with the signature of the payee and "For Mobile Deposit." This
way, checks deposited through Mobile Deposit cannot be deposited again. The Mobile Deposits
approval process also includes a KFCU review of each deposited item, and automatically detects
duplicate deposits within 24 hours of submission.
7. What mobile platforms are supported by Mobile Deposit?
A. Mobile Deposit is currently available on iOS 6.0 and above (iPod Touch 4th generation, iPhone® 3GS
and above, iPad 2 and above) and Android OS 2.2 and above.
8. How does Mobile Deposit work?
A. You must first have KFCU Online Banking set up, including Bill Pay if you’d like to pay bills through
Mobile Banking. Next, download the FREE KFCU Mobile Banking App and log in, using your Online
Banking User ID and Password. Select “Deposit Checks” for iPhones or “Deposits” for Android or the
iPad, and start the process for depositing your checks. If you need more information, please read our
KFCU Mobile Deposit User’s Guide.
9. How do I enroll in Mobile Deposit?
A. On your iOS or Android device:
1. Obtain and open KFCU’s iOS or Android app.
2. Tap on the "Mobile Deposits" feature.
3. Accept the Mobile Deposit Terms and Conditions
4. Follow the screen prompts
10. Do I need to agree to Terms and Conditions before I can start using Mobile Deposit service?
A. When you first access this service with your smartphone or iPad, you must accept Terms and
Conditions prior to using Mobile Deposit.
11. What login credentials do I use for Mobile Deposits?
A. KFCU Online Banking login is used to access the Mobile Banking/Mobile Deposit feature.
12. What should I do if I need help using Mobile Deposit?
A. KFCU’s Mobile Deposit service is designed to be a user-friendly, self-service product. Our KFCU
Mobile Deposit Guide takes you through the process and even provides troubleshooting tips. If you still
have questions after viewing the demo, speak with one of our Member Service Representatives at 505254-4369 or 1-880-8005328.
13. Can I use KFCU’s Mobile Deposit to add funds to accounts other than KFCU checking, money
market, or savings accounts?
A. No. Mobile deposit is a deposit system not a payment system. Funds can be deposited for further
credit through KFCU Online Banking, TellerPhone, or by calling the Member Service numbers above.
14. What are the deposit and transaction limits?
A. Personal accounts have a $2,500 per business day deposit limit, and $5000 per month limit. There is
no limit on the number of deposits that can be made.
15. What type of checks can I deposit using KFCU’s Mobile Deposit?
A. You can deposit the following endorsed checks from U.S. financial institutions:
• Personal checks
• Cashier/Official checks
• Teller checks
• U.S. Treasury checks
The following check types cannot be deposited:
• Foreign checks
• Savings bonds
• Checks made payable to a business (unless it’s a designated “doing business as” account and
the check is made out to the business name on the account)
• Third-party checks
16. Can I deposit cash through KFCU Mobile Deposit?
A. No, only endorsed checks (see the list above) can be deposited.
17. How do I properly endorse a check I’m depositing via Mobile Deposit?
A. You should sign your name and write “FOR MOBILE DEPOSIT” on the back of the check. The app will
also remind you to do this.
18. How long does the system retain my Mobile Deposit history?
A. You’ll need to contact KFCU at 505-254-4369 or 880-800-5328 to obtain a copy of a deposited check.
There may be research and printing fees associated with this work; please refer question/answer 22 for
check disposition. KFCU keeps a history of your check images for seven years.
19. Why doesn’t my balance reflect the deposit I just made via KFCU Mobile Deposit?
A. Funds are not immediately placed into your account. KFCU’s processing cutoff for same-day deposit
is 3:00pm. You will see same day credit after 4:30pm MST. Deposits made after 3:00pm will post by
4:30pm MST the next business day.
20. Will holds be placed on checks submitted through Mobile Deposit?
A. Yes, there may be holds, just as when you deposit the check at a branch or ATM.
Additional funds availability information is also available on our website. At the bottom right of the
home page, select "Truth-in-Savings Disclosure.”
21. When will my deposited funds be available for use?
A. The same business day, generally after 4:30pm MST. Processing cutoff is at 3:00pm MST and
generally takes about an hour. If you need immediate access to funds, please deposit your check inperson, at a branch. If a check greater than $200 is deposited, $200 will be released immediately after
processing. The remainder will be released generally within 2 business days, according to KFCU’s policy,
and in accordance with the funds availability requirements of Federal Reserve Board Regulation CC.
22. What should I do with my check after depositing it?
A. Keep it! Do not destroy or void the check until you see the funds in your account. When the funds
are in your account, we strongly suggest that you destroy, shred, or void the check and keep it in a safe
place until such time as you’re willing to destroy it.
23. If I do not receive a confirmation email for Mobile Deposit service, what should I do?
A. You can, and we suggest, verifying your deposit by logging in to your KFCU Online Banking account
through your desktop PC. When using Mobile Deposit, you will receive a confirmation email of your
deposit if you choose to send one to any email address you select. There may also be times when we
notify you, by email, that there has been an adjustment or reversal of your deposit. We will email to the
address on file in Online Banking. Please check your “Junk Mail” or “Spam” folders occasionally to
ensure emails we send you are not being filtered. You can confirm or update your current email address
by selecting “Change My Email Address” within the web version of Online Banking to ensure secure
receipt for future Mobile Deposit communications.
24. What are reasons a check will be rejected for Mobile Deposit?
A. Please ensure the following conditions are not an issue on your check:
• Payee —must be on the account you’re trying to deposit to
• Maker — the signature is missing or irregular
• Numeric and written amount variances—KFCU’s Mobile Banking App is smart enough to
detect differences between the two areas of the check
• Endorsement — missing or irregular signature, and “MOBILE DEPOSIT ONLY” written on check
• Check dates—no dates older than 6 months or missing date
• Cannot determine amount — written or numeric
25. What steps should I take if my Mobile Deposit is declined?
A. If your deposit item is declined, an email will be sent to the address on record indicating the reason
for the decline. If you feel you need to discuss the matter in more detail, you can call our Member
Service Representatives 24/7 at 1-800-880-5328, or visit any KFCU branch office. Reasons that deposit
items may be declined include:

Ineligible check

Duplicate check

Non-negotiable

Poor image quality

Missing signature

Daily deposit dollar amount exceeded

Missing endorsement

Unacceptable item

Stale dated

Post-dated
26. I scanned a check and received an email instructing me to bring the check to a branch office or
mail it in. Why?
A. The check was outside the criteria for your account. There can be various reasons for this, but
generally it is due to the quality of the check image.
27. The check I deposited was returned. What do I do?
A. The same process will be followed for return mobile deposit checks as with checks deposited by ATM
or through the teller line. Your check will be debited from your account and $5 fee will be assessed.
28. What happens if I accidently deposit the check into the wrong account?
A. Make an online banking or mobile banking transfer to the right account. You can also call the KFCU
Phone Center to assist you in making the transfer.
29. What if I deposit the same check twice?
A. The Mobile Deposit system will generally not allow the same check to be deposited twice. If it does
happen, one of the checks will be debited from the account
30. Will KFCU accept post-dated checks deposited via Mobile Deposit?
A. Yes, however, we will not accept stale-dated checks. Stale-date is six months or older.
31. The check has an altered MICR line. Will the check be accepted for deposit via Mobile Deposit?
A. As long as the app can “read” the MICR line, the check will be accepted.
32. I had to close my account due to fraud. Do I have to wait 90 days to be eligible for KFCU Mobile
Deposit?
A. Yes. We want to make sure your account and funds are protected. You will be eligible on day 91.
There is no means to make an exception on a single account basis.
33. I’m recently married/ divorced and changed my name. Will KFCU accept my endorsed check via
Mobile Deposit?
A. Endorse your check using both the old and new signatures. KFCU will do our best to verify the old
name/ signature against our records so that we can accept the check deposit. Make sure you visit a
branch as soon as possible to complete the name change on your account records.