Mobile Check Deposit from TDECU

Mobile Check Deposit Frequently Asked Questions
 

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?

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 sign the back of your check, include your account number, and write For TDECU Mobile Deposit Only. See the 'Endorsement and Procedures' section of 'terms and conditions' for info on a proper endorsement.

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.

Are there 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.

How can I ensure my check can be read in a photo?

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.

Do I need to hold on to my paper check after submitting the deposit?

Please keep your paper check for at least 90 days in case any issues arise around your deposit.

Can TDECU return a deposit 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.