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Mobile Deposit FAQ

Questions

Answers

What is Mobile Deposit?

Providence FCU members can deposit checks using their iPhone, iPad, or Android through Mobile Deposit. Mobile Deposit is a free feature available through Providence FCU’s iOS Application and Google's Android operating system.

Is Mobile Deposit available to all Providence FCU Members?

Mobile Deposit is available to members in good standing.

Is Mobile Deposit secure?

Yes. We use SSL encryption to communicate securely with our servicers, as well as state-of-the-art security measures to protect your personal information and account(s).

What are the system requirements for Mobile Deposit?

You must have the Providence FCU iOS App version 2.3 or higher or an Android phone operating on Google's Android operating system version 2.4.1 or higher.

Is Mobile Deposit available on Android?

Yes. Mobile Deposit is available on Android phones operating on version 2.4.1 or higher.

Which Android devices have been tested for Mobile Deposit?

Click here for a list of Android devices and their test results.

Is Mobile Deposit available through Online Banking using my desktop computer and scanner?

Not at this time.

Do I have to be a member of Providence FCU to use Mobile Deposit?

Yes, Mobile Deposit is available to Providence FCU members whose accounts are in good standing.

Do I have to enroll in the Mobile Deposit to use it?

Yes. You will be asked to accept the terms of agreement the first time you use Mobile Deposit.

Can my Mobile Deposit eligibility be revoked?

Yes. Providence FCU reserves the right to revoke access to Mobile Deposit without notification.

Can I deposit to any of my shares with Mobile Deposit?

You can use Mobile Deposit to deposit funds to your Savings, Checking, and Money Market accounts.

Can I deposit any check with Mobile Deposit?

Checks must be made payable to an owner of the share and must have an endorsement on the back. Checks will not be accepted if they are incomplete, post-dated or stale-dated, made payable to a third party, or stamped with a “non-negotiable” watermark. Be sure your checks have no evidence of alteration or contain a restrictive endorsement. Savings Bonds and foreign items are not eligible for Mobile Deposit.

Should I endorse the back of the check?

Yes. If you don't endorse the back of the check, your Mobile Deposit will not go through. Your endorsement should include your signature and the account number to which you are making the deposit, including the share ID.

I inadvertently selected the wrong account for the deposit. What should I do?

You may transfer funds via Online Banking or Mobile Banking.

Can I view Mobile Deposit check images online?

Not at this time.

What should I do with the check once it's been accepted with Mobile Deposit?

Write "Mobile Deposit" below your endorsement on the back of the check. This will help you easily identify checks that you have already deposited. Retain the check in a safe place for seven days and then it should be destroyed. This is a completely electronic process and you don't need to mail the physical check to Providence FCU.

Who can I contact for more information or assistance with the application?

If you need further information or assistance, you may contact us at MobileDeposit@providencecu.org or call 503-215-6090 (503-215-6090) to speak to a Member Service Representative.

What do I do if I can't get Mobile Deposit to work?

Review the Troubleshooting Tips to assist with using the application. If you need further assistance, contact us at MobileDeposit@providencecu.org or call 503-215-6090 (503-215-6090) to speak to a Member Service Representative.

Funds Availability Questions

How will I know that my deposit was accepted and credited to my account?

A notification will be sent to your email address on file when the deposit is made to your account.

When is my money available for use?

Generally, the first $200 is available for use immediately. However, in some cases a hold may apply. Refer to the "Membership and Account Agreement" for funds availability information.

Are there deposit limits associated with Mobile Deposit?

Your deposit limit is based on a 30-day rolling limit. Your current remaining limit will be displayed when you access Mobile Deposit from your Providence FCU Mobile App. Assigned limits may change without prior notification.

Is my Mobile Deposit subject to a hold?

Generally, the first $200 is available for use immediately. However, in some cases a hold may apply. Refer to the "Membership and Account Agreement" for funds availability information. You will receive an email notification of a hold placed on funds deposited through Mobile Deposit.

Why is my balance not reflecting my recent Mobile Deposit?

In some cases your Mobile Deposit will be held for review and not immediately posted to your share. During the Mobile Deposit session, you will be notified if your deposit was immediately posted or held for review. The review process should take no longer than one business day. Once the Mobile Deposit has been reviewed, you will receive an email notification that the funds are in your account, or that the deposit was rejected, adjusted, or placed on hold.

Troubleshooting Tips

Steps to capture the check images:

  • After entering the dollar amount of the check, tap “Capture Check Front” to enable the camera.
  • After successfully capturing the front image, wait for “Capture Check Back” to appear, and then tap it to enable the camera.
  • If the camera does not focus properly on the image, close the camera window and click “Capture Check Front” or “Capture Check Back” to enable the camera again.

The check image is not accepted:

  • Ensure the numbers printed on the bottom of the check (Magnetic Ink Character Recognition MICR) line are clear and readable.
  • Check for any stray writing or other markings in the MICR line that could prevent Mobile Deposit from clearly reading the numbers.
  • Ensure that the MICR line was not cropped out, which would prevent Mobile Deposit from clearly reading the numbers.
  • Use a dark background, clear of shadows, to take the picture of the check.

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