Save time and skip a trip to a Member Center
Believe it or not, paper checks are still a part of everyday banking. Whether you receive the highly regarded birthday check from your grandparents, or a printed paycheck from your work, a paper check may pop up from time to time. Fortunately, with mobile check deposit, you can deposit your paper check without making a trip to your local Member Center.
Part 2 - Deposit your check
- Tap on Deposit Checks.
- Tap on Make a Deposit.
- Select your deposit account and enter the check amount.
- Endorse your check.
- Capture a photo of the front and back of your check.
Important Information about Mobile Check Deposit
We have deposit limits
For your protection, we have limits on the dollar amount and the number of deposits that can be made within a set period. If you attempt to initiate a deposit that exceeds our limits, we may reject your deposit.
We may place a hold on mobile‑deposited funds
Just like a regular check, mobile‑deposited funds may be held, meaning they will not be available immediately. Please review our terms and conditions for more information.
Take quality check photos
Blurry or cut-off images may result in your deposit being rejected. To improve the quality of your photos, place your check on a dark background and position your check so it appears within the photo boundaries.
Properly endorse your check
Before you snap a picture of your check, make sure to complete the following: (1) sign the back of the check, (2) check the mobile deposit box located under the signature line, and (3) write “For TDECU Mobile Deposit Only” below your signature.
Hold on to your paper check
Please keep your paper check for at least 90 days in case any issues arise around your deposit.
We may return a deposit even after sending confirmation
If the person who issued your check does not have enough money in their account, we will return the check – even if you already received an email confirming we received the check.
What is mobile check deposit?
Mobile check deposit allows you to deposit your checks remotely, using the TDECU Digital Banking app. With the app, you can take a picture of the front and the back of an endorsed check and deposit it directly into your TDECU account.
Do I need the TDECU Digital Banking app to use mobile check deposit?
Yes. You must download the TDECU Digital Banking app to your mobile device. Once downloaded, you can use mobile check deposit on your iOS or Android smartphone or tablet.
Why do I have to enroll to use the mobile check deposit service?
While we would love to approve everyone for the service, you must meet several requirements to use mobile check deposit. These requirements include length of Membership, deposit account balances, loan payment history, non-sufficient funds history, and the type of account(s) you have with TDECU.
If you have specific questions about these requirements, please send us a secure message through the digital banking app or call us at (800) 839‑1154.
Will my funds be available immediately after I complete my mobile check deposit?
No. Mobile check deposits are generally made available within 24-48 business hours (this excludes weekends and federal holidays) from the day they are approved. If your mobile check deposit is approved before 6:30 p.m. CST on a business day we are open, we consider that day to be the day of your deposit. If not, the date of your deposit will be considered the next business day we are open.
We may make funds available sooner based on your relationship with TDECU and transaction information. Please review our terms and conditions for more information.
What do I need to include on the back of my check before taking a photo?
Before you take a picture of your check, make sure to complete the following: (1) sign the back of the check, (2) check the mobile deposit box located under the signature line, and (3) write “For TDECU Mobile Deposit Only” below your signature.
Why do I have to include “For TDECU Mobile Deposit Only” on the back of my check?
We require this information as it provides an additional layer of security to protect you from potential acts of fraud. It also ensures that checks deposited through the services are not accidentally deposited again.
Please note that checks that do not include this required endorsement will be subject to rejection.
How will I know if my mobile check deposit was submitted successfully?
The TDECU Digital Banking app should display a confirmation message after submitting your mobile check deposit. In addition, you will receive updates via email informing you whether the deposit was accepted.