Mobile Deposit


Deposit your checks wherever, whenever!

No more waiting in line! With our Remote Check Deposit feature, you can deposit your checks from the comfort of home or wherever you may be. All you need is a smartphone or tablet and an internet connection. 

To get started:

  1. Download the Mid Carolina CU Banking App from the App Store or the Google Play Store

  2. Sign in using your Online Banking login

  3. Tap the menu icon and select Remote Deposit

  4. Ensure that your check is properly and legibly endorsed with your signature and label it “For Mobile Deposit Only MCCU”. Endorsements on mobile deposits that DO NOT include the above statement on the back of the check will be rejected.

  5. Follow the instructions on the screen to access mobile check deposit and to complete the transaction.

remote deposit endorsement instructions.jpg

When will the funds deposited through Mobile Deposit be available?

  • Credit is not immediate – We batch process every 2 hours from 9-5.

  • All deposits are put on an initial hold of 3 days once approved.  Holds may be released upon review of the deposited item. 

To insure a successful deposit, please keep the following in mind:

  • Before logging into the Mobile Deposit app, close all other apps running in the background on your mobile phone.

  • Sign/Endorse the back of your check, and label it “For Mobile Deposit Only MCCU.”

  • When prompted for the amount, carefully enter the check amount to ensure it matches the amount written on your check.

  • Flatten folded or crumpled checks before taking your photos.

  • Keep the check within the viewfinder on the camera screen when capturing your photos.

  • Try not to get too much of the areas surrounding the check.

  • Take the photos of your check in a well-lit area.

  • Place the check on solid dark background before taking the photo of it.

  • Keep your phone flat and steady above the check when taking your photos.

  • Hold the camera as square to the check as possible to reduce corner to corner skew.

  • Make sure that the entire check image is visible and in focus before submitting your deposit.

  • No shadows across the check

  • All four corners are visible

  • Check is not blurry

  • The MICR line (numbers on the bottom of your check) is readable.

  • Securely retain each original check until you receive your monthly statement reflecting the deposit.

For our terms and user agreement for remote mobile deposit, click here.