Mobile Deposit

Save a trip to the branch or ATM! 

Deposit checks using your Android™ smart phone/tablet or Apple® iPhone/iPad!¹

To learn more about Community Credit Union of Florida's Mobile Deposit services, View the Demo

If you meet the qualifications below, it takes just a few minutes to register for Mobile Deposit:

  • Have a CCU savings and/or checking account in good standing. "Good standing" includes no occurrences of Insufficient Funds (NSF) within a 90-day period.  Your access to Mobile Deposit may be terminated if your account does not remain in good standing.
  • Have a current email address on record with CCU
  • Have the CCU Mobile App installed on your device

Ready to Get Started?  Log into the Mobile App on your phone using your eBranch Online Banking username and password information and select the "Check Deposits" option.  Follow the prompts to register for the service.  You will receive a confirmation email when the service has been activated for your account.  This usually takes 1 to 2 business days.
 

Common Questions About Mobile Deposit:


When will my Mobile Deposit be credited to my account?

Deposits received before 3:00 PM EST on a business day will be credited to your account by the end of business on that same day.  Deposits received after 3:00 PM EST, on holidays, or days that are not business days will be credited by the end of business on the following business day.  

PLEASE NOTE:  We will review all deposited checks and may choose to later reject it even if the check is initially accepted.  This may happen if the image is not easily readable or 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 you must securely store the original check for 30 days and make it accessible to us at our request.


How do I endorse my check?

The screen prompts will guide you, but please note that as of August 28th, 2018, federal regulations require that mobile deposit endorsements include the name of the financial institution receiving the check. For checks deposited to CCU, this is the required endorsement:
For mobile deposit only to CCU Florida


What are the deposit limits?

Our standard limits are as follows:
Per Check: $1,000
Per Day:  $2,000
Rolling 30 Day:  $6,000**
You will be notified of your limits in your registration confirmation email.  **In any 30 day period, not a calendar month.
Members under the age of 18 receive lower deposit limits for this service.


Is Mobile Deposit secure?

Your deposits made using the mobile app are safe and secure.  The check images are not stored on your device.  However, it is very important that you take appropriate steps to protect the security of your phone, such as:

  • Password protect your mobile device
  • Keep your mobile device in a secure spot when not in use
  • Secure your online banking login information

How do I take a picture that will be accepted for deposit?

A clear photo of your check is needed to confirm your mobile deposit.  Please follow these helpful hints to avoid delays in posting funds to your account:

  • Pick a well-lit spot where the light source is in front of you.  This will help avoid shadows in your pictures.

  • Place the check on a smooth, dark background.

  • Smooth out any folds on the check.


¹Device must have a camera to use the mobile deposit service.


For Additional Assistance:
Please contact a Member Service Representative at 321.690.2328 (outside Brevard, 1.800.690.2338) or send an email to memberservices@ccuflorida.org.  For your security, DO NOT send account numbers or other private information using this general email address.  Private, unpublished personal information should ONLY be sent through Secure Email, which is available within the Mobile App and eBranch Online Banking.