Mobile Deposit prompts you to enter the amount of the check and the account where funds should be deposited. It then prompts you to take a picture of the front and back of the check. If you see a rectangular box on the screen while you are taking a picture, make sure the entire check fits inside that box. You are then prompted to submit the check to EECU for processing.
Once you have submitted the images, the system analyzes the scanned images and is able to identify key parts of the check including the routing number, account number, amount, and payee. Using that information, it is able to electronically clear the check and deposit the funds into your account immediately (though some or all of the funds may be subject to holds). It is also able to detect if a check has been previously deposited, to prevent you from accidentally depositing the check twice.
IMPORTANT NOTE: Even if the check is initially accepted by the app and you are given credit, EECU reviews all deposited checks and could choose to later reject it. Sometimes the system accepts a check, but when we view the image, the check details are not clearly readable, so we reject the image. We may also reject it if the amount on the check does not match the amount you entered. Typically checks are reviewed within one business day of being deposited, but it is recommended that you retain you deposited checks for 60 days.