• Overview

    Bank on your phone or tablet. With online banking and PCU Mobile you can access your accounts whenever and wherever you want. View account balances and history, transfer funds, pay bills, and more.

    App

    Download our free mobile app at the Apple App Store or Google Play Store.

    Mobile Deposit

    Deposit Checks Using Your Phone or Tablet. For Apple™ and Android™.

    Mobile Deposit

    To Enroll In Mobile Banking

    Using your Apple or Android phone or tablet, simply download the app. For all other devices, and for web or text access, visit www.pcu.org and click on Mobile within online banking. Note: You must have PCU’s online banking to access the apps.

    Support Information

    • Call 401-722-2212 or 800-298-2212, Mon – Fri: 9:00am – 5:00pm
    • For account specific questions access secure email via Messages located within Online Banking; for all other inquiries email us at [email protected] or use the “Call Us” link in your mobile app.

    Download PCU’s Online Access Agreement & Disclosure Statement PDF.

  • Mobile Deposit FAQs

    PCU Mobile Deposit Frequently Asked Questions

    1. What is Mobile Deposit?
    2. What are the advantages of using Mobile Deposit?
    3. When can I use Mobile Deposit?
    4. What does it cost to use?
    5. How long will it take for my funds to become available using Mobile Deposit?
    6. How much can I deposit using Mobile Deposit?
    7. When using Mobile Deposit, what type of accounts can I deposit funds into?
    8. Are there any types of checks that are not eligible for Mobile Deposit?
    9. Do I need to be registered for Online Banking to use Mobile Deposit?
    10. What mobile devices support Mobile Deposit?
    11. How do I endorse a check when using Mobile Deposit?
    12. After I deposit my check with Mobile Deposit, what do I do with the check?
    13. What do I do if the writing on the check is too light or difficult to read?
    14. Why doesn’t my current or available account balance reflect my recent Mobile Deposit?
    15. Can I make a loan payment through Mobile Deposit?
    16. What if I need assistance?

    What is Mobile Deposit?

    Mobile Deposit is a service that enables you to deposit a check by taking a photo of it using your smart phone or tablet and transmitting it electronically to Pawtucket Credit Union.
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    What are the advantages of using Mobile Deposit?

    You no longer need to visit a branch or ATM to deposit a check.
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    When can I use Mobile Deposit?

    You can use Mobile Deposit 24 hours a day, 7 days a week.
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    What does it cost to use?

    There is no charge for using Mobile Deposit.
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    How long will it take for my funds to become available using Mobile Deposit?

    In most cases, checks will be posted immediately and the funds will be available the next business day. In some circumstances an extended hold may be placed on the funds – in this case PCU will notify you via secure message in Online Banking.
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    How much can I deposit using Mobile Deposit?

    You may deposit up to $1,500 per day (and per item) per person, and up to $3,000 per week.
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    When using Mobile Deposit, what type of accounts can I deposit funds into?

    You can deposit funds into either a checking account or a savings account.
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    Are there any types of checks that are not eligible for Mobile Deposit?

    A.While you can deposit most checks through Mobile Deposit, there are some exceptions. The following checks are not eligible for Mobile Deposit:

    • Third Party Checks (a check written to someone and signed by them, and then signed by you for you to receive the money)
    • Foreign Checks
    • Post Dated Checks (dated in the future)
    • Stale Dated Checks (dated 6 months or more in the past)
    • Traveler’s Checks
    • Savings Bonds
    • Checks with multiple payees
    • Money Orders.

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    Do I need to be registered for Online Banking to use Mobile Deposit?

    Yes. You must be enrolled in Online Banking and download our Mobile app.
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    What mobile devices support Mobile Deposit?

    iPhones, iPads and Android phones and tablets; some exclusions may apply. See www.pcu.org for more details.
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    How do I endorse a check when using Mobile Deposit?

    On the back of the check, sign your name and print “For Mobile Deposit only.” On the front of the check you must prominently write the words “Electronically Presented”. If for some reason Mobile Deposit will not accept your check you may then bring it to a branch office to deposit.
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    After I deposit my check with Mobile Deposit, what do I do with the check?

    Keep the check in a secure place for 30 days. After 30 days and confirmation of deposit (via your online banking history or monthly account statement) you may destroy the check if you wish.
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    What do I do if the writing on the check is too light or difficult to read?

    The system reviews each check for image quality to see if it can be read. If the system is unable to read the check, you will receive an error message. Please then deposit the check at any Pawtucket Credit Union Branch or ATM.
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    Why doesn’t my current or available account balance reflect my recent Mobile Deposit?

    This can occur for the following reasons:

    • If you did not receive a “Success” message after scanning your deposit, it was not successful and you need to scan your check again.
    • It is possible that the funds are being held. At times, we may place exception holds based on a review of the check. The Credit Union will contact you if this occurs.

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    Can I make a loan payment through Mobile Deposit?

    While you can’t apply an item directly to a loan, you can use the transfer feature within our Mobile Banking App to make a loan payment after the check has been posted to your checking or savings account and funds become available.
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    What if I need assistance?

    If the question can’t be answered at a branch, our Online Banking Specialists in Data Services are available via phone, email, and secure email in Online Banking.
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  • Device Requirements

    Mobile Device Requirements

    To access PCU’s Mobile Banking from your handheld or tablet device you’ll need to have a currently supported device that meets the minimum requirements.

    Devices Supported
    • Android OS — Version 4.0 or higher
    • Apple iOS — Version 7 or higher
    Connectivity Requirement
    • Minimum: 3G/Wi-Fi
    • Recommended: 4G/Wi-FI
    • Cable, DSL, or ISDN Internet connection
    Display Resolution Requirement
    • Minimum: 1024 x 768 or higher
    Rear-facing, auto-focus camera (for Mobile Deposit)
    • Minimum: 1.9 Megapixels
    • Recommended: 5 Megapixels
    Computer requirements
    • Standard PC or Macintosh (at least 1-Ghz processor and 1 GB of RAM)
    • Microsoft Windows 7/8/Vista SP2 or Mac OS X

    Note: Microsoft stopped providing support, including security updates, for Windows XP and XPcompatible Internet Explorer (IE) in April 2014. XP users who do not upgrade their operating systems should replace IE with Google Chrome or Mozilla Firefox for an up-to-date, secure internet browser.