Pawtucket Credit Union About Us Community Contact Us Privacy & Security Careers Branch & ATM Locations
 
PCU Mobile
Overview Mobile Deposit FAQs Device Requirements

PCU Mobile Deposit Frequently Asked Questions

What is Mobile Deposit?

What are the advantages of using Mobile Deposit?

When can I use Mobile Deposit?

What does it cost to use?

How long will it take for my funds to become available using Mobile Deposit?

How much can I deposit using Mobile Deposit?

When using Mobile Deposit, what type of accounts can I deposit funds into?

Are there any types of checks that are not eligible for Mobile Deposit?

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

What mobile devices support Mobile Deposit?

How do I endorse a check when using Mobile Deposit?

After I deposit my check with Mobile Deposit, what do I do with the check?

What do I do if the writing on the check is too light or difficult to read?

Why doesn’t my current or available account balance reflect my recent Mobile Deposit?

Can I make a loan payment through Mobile Deposit?

What if I need assistance?

Q. What is Mobile Deposit?

A. 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.

[ Back To Top ]

Q. What are the advantages of using Mobile Deposit?

A. You no longer need to visit a branch or ATM to deposit a check.

[ Back To Top ]

Q. When can I use Mobile Deposit?

A. You can use Mobile Deposit 24 hours a day, 7 days a week.

[ Back To Top ]

Q. What does it cost to use?

A. There is no charge for using Mobile Deposit.

[ Back To Top ]

Q. How long will it take for my funds to become available using Mobile Deposit?

A. 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.

[ Back To Top ]

Q. How much can I deposit using Mobile Deposit?

A. You may deposit up to $1,500 per day (and per item) per person, and up to $3,000 per week.

[ Back To Top ]

Q. When using Mobile Deposit, what type of accounts can I deposit funds into?

A. You can deposit funds into either a checking account or a savings account.

[ Back To Top ]

Q. 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.

[ Back To Top ]

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

A. Yes. You must be enrolled in Online Banking and download our Mobile app.

[ Back To Top ]

Q. What mobile devices support Mobile Deposit?

A. iPhones, iPads and Android phones and tablets; some exclusions may apply. See pcu.org for more details.

[ Back To Top ]

Q. How do I endorse a check when using Mobile Deposit?

A. 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.

[ Back To Top ]

Q. After I deposit my check with Mobile Deposit, what do I do with the check?

A. 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.

[ Back To Top ]

Q. What do I do if the writing on the check is too light or difficult to read?

A. 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.

[ Back To Top ]

Q. Why doesn’t my current or available account balance reflect my recent Mobile Deposit?

A. 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.

[ Back To Top ]

Q. Can I make a loan payment through Mobile Deposit?

A. 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.

[ Back To Top ]

Q. What if I need assistance?

A. 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.

[ Back To Top ]

 


Product Specials
 
ncua Your savings federally insured to at least $250,000 and backed by
the full faith and credit of the United States Government. National
Credit Union Administration, a U.S. Government Agency.
© 2012 Pawtucket Credit Union, 1200 Central Avenue, Pawtucket, Rhode Island 02861
Pawtucket Credit Union is an Affirmative Action / Equal Opportunity Employer.
401-722-2212 or 800-298-2212 equal housing logoEqual Housing Lender. Equal Opportunity Lender.